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Updated: Jul 19, 2026
11:35
Screening for Functional Non-coding Genetic Variants Using Electrophoretic Mobility Shift Assay (EMSA) and DNA-affinity Precipitation Assay (DAPA)
Published on: August 21, 2016
Proposal: a position for the insurance industry on genetic testing
1LabOne Canada, Markham, ON.
Journal of Insurance Medicine (New York, N.Y.)
|December 8, 1996
Summary
Legislation aims to restrict genetic test results in insurance underwriting to prevent consumer discrimination. A proactive approach is needed, balancing non-disclosure of prospective testing with information parity for insurers.
Area of Science:
- Medical Ethics
- Insurance Law
- Genetic Testing
Background:
- Proposed legislation seeks to limit genetic test result usage in insurance underwriting.
- Proponents aim to shield consumers from unfair discrimination by insurance companies.
Purpose of the Study:
- To explore a proactive strategy for genetic testing and insurance underwriting.
- To address the balance between consumer protection and information symmetry.
Main Methods:
- Analysis of proposed legislation at state and federal levels.
- Ethical and legal considerations of genetic information in underwriting.
Main Results:
- Increasing legislative proposals indicate a growing concern over genetic discrimination.
- The core issue involves balancing the right to genetic privacy with insurer's need for information.
Conclusions:
- A proactive approach is necessary, not requiring prospective genetic testing.
- Maintaining information equivalency between underwriters and applicants is crucial while protecting consumers.
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