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My worst imagination is labelling you and selling your label to the companies they supply to, and how wrongly those companies can use that data, example: google search "prostate cancer" or searching for symptons associated with prostate cancer - label telling probable prostate cancer developing with this user - insurance companies denying insurance to you or making it too expensive. Now extrapolate this to what your searches probably tell about you or your state, and multiply by the websites you visit, the time you spend reading article/tweet/forum/post about a certain subject, where and how you comment those articles, etc, and being labeled according to their perceived likes/hates/problems about yourself.
This. I remember that one video by LTT where he tried searching for a flight and he got a way higher price on the standard browser compared to the one with no personal accounts/cookies.
If I use search engines, be it to find opinions on a topic or as you said an insurance, I want those sorted by factors like the date it's been created and maybe the reputability of the source. Not what the algorithm thinks I want to see or I should see in "its" opinion.