When you shop for insurance, one of the first things that you’re going to have to go through is applying for a life insurance quote. When you do this, the web system will invariably have to dig into your demographics in order to classify your risk class. It’s possible that the website that you’ll be visiting will ask a seemingly random personal question. The website might ask about your last job, or your farthest educational accomplishment, whether that be a bachelors degree from college, or a post doc accomplishment. The point of this is really to classify risk. And there are certain legalities that govern this sort of questioning process, and it really has to do with discrimination, which is illegal in most developed economies. For example, an insurer can’t ask about your sex or race, and the consequently award you a certain premium, even though this might be a valid indicator.