What choices do you really have...rice cakes? You don't want to be a drag on the others in the insurance pool do you? I'm willing to bet in your insurance pool there is at least one member paying the same as you and making even better life style choices. You are dragging him/her down and should be required to pay more.
I sure do own a fishing boat. But I'm not on my pulpit so it's OK. If I were in agreement with you I'd say you should not participate in fishing activities as people do get injured or even die some times. Don't be a hypocrite. You need to be leading a bit more delicate of a life style than the rest of us.