Asians had very poor eyesight, then yes, I would support that. I'm sure the disadvantaged group would support it to, as they would know it was factual. But such variations don't exist. I expect to pay more for my life insurance than someone half my age. I'm more likely to die. It's not my fault, it isn't fair, but it's a fact. I can't deny it. I'm also less likely to crash my car than someone half my age. But more likely to that a woman of the same age. These are facts. Your example of racial profiling in insurance is just made up tosh. The Directive does not prohibit gender discrimination based on biological differences between men and women. It prohibits the use of statistics to discriminate. If insurers can prove that a woman is less risk because she is a woman then discrimination can be justified.