A coffee a day keeps the doctor away

What is the industry's responsibility in keeping clients healthy? After all, the policies sold by the value chain are often positioned as a safety net, something should the worst happen. How does a client's everyday health play into that? It's not like we don't care about client health; we are more than happy to charge extra for clients who smoke, or who are overweight. In come everyday benefits, the supporters of which say can help encourage healthy living. Its detractors say it could take away from the core utility of a protection product: support at point of claim. This debate s...