That's as riduculous as asking for personality tests:
http://www.freerepublic.com/focus/f-news/1745147/posts?q=1&&page=1#1
I was hired as an Air Traffic Controller back in the '80s after the PATCO union members walked off the jobs.(the media spun it so that Reagan FIRED all the Air Traffice Controllers - not true. They knew it was illegal to strike and they did it anyway - they essentially walked away from their jobs).
The FAA gave all applicants an intensive series of IQ and Personality tests. They needed to make sure they didn't end up with employees like me!
The actuarial tables are likely indicators, they are not proven fact.
That actuarial table suggests that I will live to age 74, as my father died at 74 and his father died at 74. Coincidence...maybe, The actuarial tables are about what is likely. NOT ABSOLUTES. Will I die at 74, maybe. Maybe before then, maybe after. This is about making predictions on that which is not knowable and what is within a reasonable margin of error.
Someone with bad cradit, is more LIKELY to file a fraudulent claim. That does not mean that everyone with bad credit WILL file a fraudulent claim. It's a matter if statistics.
I didn't say I agreed with thses policies, it was simply a statement as to where the reasoning comes from, right or wrong.