The first question is how would the insurance find out that you are doing lots of things requiring age verification? The only body that could tell them is the government, while a distrust in the government can be healthy, I think this is the least thing to worry about, the government typically knows already much more damaging things than how often you ask for age verification.

Moreover, that would only work if there are relatively few things that require age verification and it needs more than just being looked down upon, i.e. while alcohol buying might be interesting information for insurances, watching porn is likely less interesting. Even worse, if the insurance can't distinguish between porn and alcohol (which they can't by design even if the government would give them the information about how often you ask for age verification).