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Why might life insurance companies want to know your genetic results?
Wiki User
∙ 12y ago
In theory, an insurer may be interested in genetics because it could be a predictor of future health problems resulting in premature death. Because a life insurance policy pays upon the death of the insured, the insurer may be interested in knowing whether an applicant has a genetic predisposition to early death.
That said, insurance generally, including life insurance, works upon a principle called the "law of large numbers". Essentially, this means that because the insurer insures many people/entities and takes on many risks, the occurrence of one or a few ordinary covered losses will not make a great deal of difference.
Because insurance is a regulated industry, for reasons of public policy, many states disallow insurers from considering certain genetic conditions in deciding whether or not to issue a policy. An example is genetic conditions that are particular to certain racial groups.
Wiki User
∙ 12y ago
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