While i do agree that choices made on an individual level should effect life or health insurance rates, what i have a problem with is the details.
Lets take hypertension. Millions suffer from it, and a good percentage of them don't smoke and have a good diet. They will be lumped into that category too. Paying higher premiums because they have high blood pressure. There is also HBP that cant be controlled by meds. You charge them higher to if this condition starts while they are already insured?