> Medical insurance - oh you have cancer/hear attack/etc gene. You premiums skyrocket. Is it assumed that premiums will rise? If you get a package of, say, pen

> Medical insurance - oh you have cancer/hear attack/etc gene. You premiums skyrocket. Is it assumed that premiums will rise? If you get a package of, say, pension plan your lower life expectancy might lower the premium? I think this is why certain motorbike cover is actually lower..