carleton

lol.

Here are some of the companies: https://www.fastcompany.com/90310803...al-information

I was telling the above to a young woman who had applied for insurance with the father of their child. Mom was approved, child approved, dad denied. He was late 20s and healthy and she couldn't understand why he'd be denied. She said, "He smokes, but he didn't mark that on his application." I asked, "Does he buy cigarettes and collects rewards points?" Her eyes got big in an "ah-ha!" kind of way. She said, "Yeah. He does...and that's probably how they figures that he's a smoker."

He could have been buying cigs for his nanna...doesn't matter. The data would have flagged him as a smoker.