My financial situation, how fast I drive, guns I own, etc. are of no concern until there is a direct correlation.
Actually, to them it does matter. They call it risk assessment. Your "lifestyle choices" make a difference as to what risk category they put you in. Its not exactly fair, but its the way insurance companies have always done their business. You get put in a risk category, based on what they know about you, and charged based on the category you wind up in.
Then there is the other side of the coin. Several years back, while working for a govt contractory (which used subcontractor provided health care - work physical, first aid, etc) we had to take a survey (provided by yet another subcontractor), which included a "risk assement" section.
Questions about did we drive within 10mph of the speed limit, seatbelt use, drinking, anyone in family/friends get in a fight in the last 2 yrs, etc...
But strangely enough, not one single question about guns at all. However, when the results came back to us a couple months later, one of the "recommendations" to lower the risk in our lives was "avoid handguns".
At that point, I kind of hit the roof. I complained to my supervisor, who agreed with my argument, and passed it up the chain. After all, since the didn't ask a single question about guns, but their recommendation said avoid hanguns, what other data had they skewed?
The next year, their contract did NOT get renewed.