Originally Posted by mixie
So uh...who gets to decide what risky behavior is?
No idea what I'm stepping into here, but to answer the actual question: the actuarial tables. There's more than enough statistical data to identify risky behaviours. In fact insurance companies use it all the time. That's why smokers get a lower rate (among many many other examples).
I told my kids, "Someday, you'll have kids of your own." One of them said, "So will you."
-- Rodney Dangerfield.