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Underwriting lethal genetic diseases.

J A Lowden

    Journal of Insurance Medicine (New York, N.Y.)
    |December 8, 1997
    PubMed
    Summary
    This summary is machine-generated.

    Understanding genetic mutations and their penetrance allows for more accurate underwriting of inherited health risks. This approach enables affordable insurance premiums for individuals with conditions like Huntington disease and hereditary cancers.

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    Area of Science:

    • Genetics and Insurance Underwriting
    • Medical Risk Assessment

    Background:

    • Thousands of single-gene mutations increase morbidity and mortality risks.
    • Most mutations have incomplete penetrance, allowing for manageable insurance underwriting.
    • Advances in understanding mutation penetrance enable more aggressive risk assessment.

    Purpose of the Study:

    • To describe approaches for underwriting individuals with inherited disease risks.
    • To address underwriting for Huntington disease and hereditary cancer mutations.

    Main Methods:

    • Review of existing data on single-gene disorders and their penetrance.
    • Development of underwriting strategies for specific genetic conditions.
    • Application of penetrance data to assess and price inherited risks.

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    Main Results:

    • Most single-gene mutations can be underwritten with manageable premium increases, often at standard rates.
    • Specific underwriting approaches for Huntington disease and dominant cancer mutations (breast, ovarian, colon) are presented.
    • Increased knowledge of penetrance facilitates more precise underwriting.

    Conclusions:

    • Underwriting inherited risks can be effectively managed by understanding mutation penetrance.
    • Informed underwriting allows for affordable insurance options for individuals with genetic predispositions.
    • This strategy supports personalized risk assessment in the insurance industry.