A company that does "data onboarding": coupling online website visitors to their real life addresses. For example: people who visited webpages about foot diseases were surprised to get real mail with advertisements for treatment.

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You get a better deal on insurance as long as you and your friends don't make any claims. This increases social pressure to not make claims, which could lead to bad situations. Secondly, a core idea behind insurance is solidarity with those less fortunate. Segmenting the market could mean higher premiums for the poor.

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