Sharing fundamental characteristics of yourself with random cloud service providers is probably one of the dumbest things I can think of.
Look, I know it's fashionable to disavow discrimination in all its forms and for all its reasons, but businesses built on evaluating risk, like insurance companies, NEED to discriminate.
It's impossible to price and discount risk without access to accurate information.
I'd be FAR FAR more worried about governments misusing my genetic data than insurance companies using it to determine an accurate risk profile.
This can be "less fair" to the lower risk members of the population, but the other side of that is whether the insurance company is actually capable of doing the individual pricing in a fair way, or if it is just being presumptuous.
Is it fair? No clue. If it turns out that there's a genetic predisposition to being struck by lightning that modern genetic testing uncovers, then all those "struck by lightning" policies will die - they were subsidizing the highly conductive to the detriment of the non-conductive. Hope you're not highly conductive!
"Oh, you're of African background and have sickle-cell anemia. Your sore throat isn't covered as your spleen dysfunction is a preexisting condition."
Like, for $500 someone could follow you around for several days waiting for the 1 lapse where you leak a little DNA into the public environment.
Or you know, they will just discriminate against people that refuse to share their DNA. The narrow wedge where they are forbidden from requiring DNA but free to discriminate based upon it is still a pretty fucked up world.
Ancestry.com even has a public tool for doing this at a high level: https://www.ancestry.com/name-origin?surname=trujillo
Seems the cats been out of the bag for a long time.
Maybe you shouldn't throw around 'dumb' quite so liberally.