posted on Mar, 12 2017 @ 06:49 AM
originally posted by: redmage
originally posted by: UKTruth
Mixed feelings about this...reading the article it would appear that the process would be voluntary and may mean cheaper insurance costs. To that
extent it's not much further than being charged less if you don't smoke, or conversely being charged more if you do.
Smoking is a personal choice, your genetics are not. A BIG difference.
Yes, I get that. However, I am not so sure there is anything wrong with paying more for insurance if you are more prone to health issues naturally.
Life isn't fair. Insurance is concerned with risk, otherwise it doesn't work, and if you consider that the effect of paying the same even though your
risk is higher is that other people's prices go up, through no fault of their own... in other words a penalty because of THEIR genetics. Why should
one person pay more just because someone else's risk is higher?
Genetics offers people advantages in many walks of life, advantages that enable them to make more money and be more successful than others. There is
nothing wrong with 'good' genetics offering benefit over others.
As for smoking, yes it's a choice, but young people get drawn into smoking when they are young...it is very addictive. What about fat people? Is
that a choice too? I'd say yes.
edit on 12/3/2017 by UKTruth because: (no reason given)