Recently my husband and I bought life insurance. It was a huge saga, which I may post about in the future if I am motivated.
One thing that struck me about the whole process of applying for insurance is how it punishes both honesty and self-improvement.
For example, my husband has sleep apnea. Obviously, this is not something that would be picked up by a clinician during a routine exam like high blood pressure or high cholesterol. However, in order to improve his health, he opted to get diagnosed and treated. And he has faithfully used a CPAP machine every night for the last six years.
Unfortunately, a person who never bothered to get treated for severe sleep apnea and presumably has higher health risks would probably have a much lower insurance rate than my husband. Ditto for people who seek treatment for mental health issues like depression or anxiety, which probably wouldn't be caught during a routine exam.
I understand that insurance companies need to use some sort of model to assess risk. But I do feel like that model shouldn't punish people who try to help themselves.