Creepy Insurers?

> Those who know that they are above average will provide their data because we are tired of being pooled with higher risk individuals.

I would never in a million years agree to this even though I know I'm well above average.

> The insurers are NOT dummies —- Those who do not reveal their private information about the genetics and property preparedness are “hiding something”

If they're inferring that the reason people value their privacy is always because they're hiding something "unfavorable", then they are indeed dummies.