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Actuarial considerations on genetic testing

D J Le Grys1

  • 1Munich Reinsurance Company (Life), London, UK.

Philosophical Transactions of the Royal Society of London. Series B, Biological Sciences
|August 29, 1997
PubMed
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Widespread genetic testing may alter life insurance purchasing habits, potentially slowing mortality improvement among policyholders. However, overall population mortality is expected to continue improving, possibly faster with earlier diagnosis.

Area of Science:

  • Insurance and Actuarial Science
  • Genetics and Public Health
  • Risk Management

Background:

  • UK life insurers typically have liberal underwriting, accepting up to 95% of applicants.
  • Widespread genetic testing could influence public demand for life assurance based on predisposition to diseases.

Purpose of the Study:

  • To model the potential impact of widespread genetic testing on life insurance purchasing behavior.
  • To assess the subsequent effects on mortality trends among insured individuals and the general population.

Main Methods:

  • Utilized a predictive model to simulate changes in life assurance uptake.
  • Analyzed potential shifts in consumer behavior influenced by genetic predisposition information.

Main Results:

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  • A shift in buying habits is predicted, with higher-risk individuals potentially increasing coverage and lower-risk individuals decreasing it.
  • This behavioral change may lead to a deceleration in the rate of mortality improvement among the insured population.

Conclusions:

  • Life insurers in the UK are unlikely to alter underwriting standards or implement genetic rating systems.
  • While insured mortality improvement might slow, overall population mortality is expected to continue improving, potentially accelerating with earlier diagnosis through genetic testing. Implications for medical and health insurance may differ.