>insurers should distinguish between controllable and non-controllable factors, and they should not be permitted to discriminate on the basis of non-controllable factors. For instance, if someone chooses to ride a motorcycle instead of drive a car, then there should be a premium for that policy. However, if someone is born with a genome that predisposes them to dying much sooner from a specific disease, they should be charged no more than anyone else, because you can't control your genetics.
Risk-taking behavior, such as choosing to ride a motorcycle, can also be influenced by genetics[1]. How can insurers distinguish 'free will' from genetic disposition?