If you want the lower rate, you let them track you with the app. If you don't, you call up Geico or whatever and let them decide based on your age and zip code.
I disagree. I think this is indeed a known exchange of your privacy for value, but when people not using the app also find their life insurance rates going up it'll be a different story.
I also think all of us are terrible at determining the value of our privacy and it's an asset we don't miss until it's gone. It's for that reason that I think the sale of privacy is something we can't leave up to unregulated industry because not all parties have good information on the goods they are exchanging.
https://www.joinroot.com/
If you want the lower rate, you let them track you with the app. If you don't, you call up Geico or whatever and let them decide based on your age and zip code.
Chrome Sync has nothing to do with this.