Any insurance is, by definition, discriminatory since premiums are based on actuarial determinations of risk. For example, life insurance premiums are higher for men than for women because the life expectancy of the former is less than the latter. People who are engaged in high-risk activities such as mountain climbing are also subject to higher premiums or denial of life insurance coverage. Similarly, teenagers pay considerably more for car insurance than do adults because they are a higher risk group when it comes to accident claims. Someone with prior accidents or moving violations usually pays a higher premium for car insurance than someone who is accident free. The question that…