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gwern comments on Transparency in Insurance (Edit: Solution found) - Less Wrong
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One time I tried to get life insurance, and they required a saliva sample, and they would not produce a complete list of what it was for - I could get a partial list, and the salesperson would rule out some things that he thought I was worried about, but I wasn't allowed to know all the things they were going to do with it. I wound up going with a different company that required blood but would at least tell me what they were going to do with it.
What were they going to do with it?
From past experience working in insurance companies, my first guess would be:
Creating clones and spreading them throughout the multiverse to run a battery of tests for risk-susceptibility in a spacetime isolation bubble, and then producing a premium inversely proportional to the expected life-profitability of the clones studied. With typos in the stats and compound rounding errors (always rounding upwards).
That sounds fair enough; as long as the premiums are accurate.
You know, I don't even remember? There was nothing remotely plausible that I was going to object to. I just objected on principle to not being told.