Not really. I have Type II diabetes. Through my doctor's ministrations and my own interest in my health, I take care to attend to my diet and exercise so that I now do not require medications that I was at one time required to take to keep it under control.
There are those who don't give a crap and won't exercise, eat all the junk food they want and continue to ingest very expensive medications to keep them from going blind and keep their feet from falling numb.
Now, should I be penalized by higher premiums because I have a history of this disease in my family? Even though I now cost my insurance company no more than a person who has no such family history?
If I were to be labeled thus by my insurer based on a DNA sample, I'd be crying foul. Wouldn't you? It is a form of discrimination. Granted it is now against the law but we must be very careful about who has access to our DNA samples.
I have to disagree. If I had heart disease, for example, that is a risk factor for an early death, and thus an early payoff on my life insurance. It should cost me more in that case. Now, if you take care of your condition, as you say, THAT should also be factored in, but if your Type II diabetes is a risk factor for living a long life, it should result in higher premiums. If we could determine with certainty that I would die in 2 weeks, and you would live 50 more years, who should pay higher premiums?