Everyone has a risky lifestyle, in one way or another. Therefore, everyone should pay more for insurance.
I suppose that's true.Getting out of bed in the morning isn't without the potential for harm.Nor is the safe driving of a car.Or crossing the street.But smoking...skydiving...being substantially overweight are all *unnecessary* risks.Therefore I have no problem with life insurance companies and health care plans adjusting their rates to reward those who don't take these risks and charge those who do....with the understanding that these folks often cost more to insure...in terms of premiums taken in and "benefits" paid out.