Religious discrimination in insurance

[Richards, Edward P.]

This discussion has treated religion as a "life-style" choice, like smoking or hang gliding, rather than like race or sex.  Is this really the presumption behind the civil rights laws that require private business to respect the free exercise of religion, or the constitutional cases on free exercise?  I though that the courts tended to assume that religion was an innate quality that was not fungible, but I may be wrong on this.

Ed