Insurance and their demands

I have an issue with the insurance companies doing this.. It seems to be an infringement of our rights. First of all, there are some who dont meet requirements due to muscle girth. My son who is a body builder, 5'8 doesnt meet his weight requirement. He is very fit. works out 2 hours a day, eats lots of lean protein. builds mass. He has no health problems and I doubt he will unless its a workout injury... then what are they gonna fine people who work out because they might get injured. we "Might" die in a car wreck too... This is just the beginning of the underhanded innerworkings of our system.