I just applied for private life insurance. I do think it's possible what this industry does as a matter of standard practice probably is discrimination, but the

I just applied for private life insurance. I do think it's possible what this industry does as a matter of standard practice probably is discrimination, but they legitimize it through technocratic means. They'll say something like there's an average risk profile that rises over time with age. The way they further meat this out is by intrusively inspecting open medical history and repeating pedantic questions to you about that medical history. If you pass the pedantic questions, you get a lower rate based on demonstrated medical history. So, I think my perception would be a little bit of both.