ABSTRACT
Private insurance is everywhere. As the primary device to reduce risk of loss and uncertainty, insurance is one of the most important institutions around us. It provides financial support in business and human life, it encourages safety and saving behaviors, and it provides security from catastrophic losses as well as peace of mind when aging. Insurance even promotes economic growth and international trade. And yet, very little is known about the requirements of justice and specifically of equal and fair non-discrimination norms from private insurance providers. As entities that offer services to the public, are they subject to the same norms as public entities? As entities whose core business is to classify people based on their actuarial risk, are they not allowed to discriminate between various groups?
