I have absolutely no problem with differential treatment in insurance based on age.
An insurer is perfectly capable of quantifying risk, and determining at what point it is no longer willing to accept responsibility for underwriting that risk. I turn 45 this year. My term life insurance premiums go up this year, a fact that I was perfectly well aware would happen when I started the policy 11 years ago. I am also perfectly well of the ongoing premium increases as I cross the next threshholds, and my eventual uninsurability. That's not ageist, it's acknowledging a basic fact of life.
I have no problem with dissuading a person from buying a product or service from which they cannot fully benefit. But the decision is ultimately theirs to make.
But there is no excuse for rudeness, or a refusal to serve that is not grounded in fact.
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--James