> Their infra is generating those encryption certificates, so WhatsApp can very well decode the message and store it for further processing.

This is incorrect. The sender's device generates the key with which it encrypts outgoing messages. WhatsApp's infra cannot see the content of any messages sent.

(Source: ex-WhatsApp employee)

Thank you for your response. I think I fully agree with the last line - those who do not care about privacy won't really be affected by this.

I have a question to ask. How would this work? Even if for a second we assume that they're able to read all our texts etc., how can they curate that information with insurance companies? What data might the insurance companies be interested in? I would not (and I'm assuming a lot of people would not) specifically enter my age/health issues/Blood Pressure information on Whatsapp.

> They may very well sell also data to insurance companies making it harder for you to get insurance.

So it won't impact people who don't have an FB account?