You May Not Want to Have a Genetic Test If You Want Life Insurance
Life insurance is very important, especially when you have a family. However, a single genetic test could make it impossible for you to ever get coverage, no matter how healthy you currently are.
Fast Company’s Christine Farr explains that the federal government has banned health insurance companies from denying insurance to individuals with high-risk gene mutations, but the law does not apply to life, long-term care, or disability insurance companies. Many life insurance companies will not require you to take a genetic test, but they will ask if you did it on your own initiative, and this information can be used against you when applying. If they consider you a risk, there is no insurance for you. If you refuse to do so and they find out, there is a chance that they could sue you on charges of “failure to act.”
Also, as we pointed out earlier , seeing the potential risks associated with your DNA probably won’t improve your well-being, and may not help at all. You cannot unlearn this knowledge, and there is a chance that there is nothing you can do about it. Genetic testing can still be beneficial for many people, but it is important that you are aware of the risks before signing up for a postal DNA test. You can find out more about how genetic testing affects life insurance at the link below.
If you want to insure your life, think twice before taking a genetic test | Fast Company