Insurance companies are in business to make money. If your eating, smoking habits or exercise habits are going to cost them money, they want to know it so they can charge you the appropriate risk premium. On the other hand, if you lead a healthy life they want to be able to attract your business by offering you higher coverage for lower premiums.
It is nothing personal, it is just good business.
Very interesting you should say that about insurance, because it represents a dramatic paradigm shift from the way insurance has been done for more than 200 years.
Insurance has always been about spreading the risk as thin as possible. In any population there's going to be a certain number of people who have their hearts blow out at fifty and another number who live until 90. The ones who live until 90 pay the premiums that pay off for the guy who drops dead at 50. Insurance companies figured out roughly how many of each group existed and set their policies accordingly.
Now, through technology, they are able to say to the guy with the bad ticker, "Hey sorry pal, you're a bad risk. We'll pass on your business."
But what if they crunch the data even more? Some poor slob is sitting at home eating healthy, not smoking, and going to the gym three days a week. But his father, two uncles and a brother all dropped dead at fifty from bad tickers. Genetic predispostion. "Sorry pal, the males in your family drop like flies."
Basically what this is leading up to is a health rating, much like a credit rating and it will effect if people are hired for jobs, get loans, even who they marry, once people start believing in them.