What Genetic Testing for Life Insurance Can’t Tell You About a Client’s Future

With genetic testing more accessible than ever, a growing number of Americans are opting to learn about their hereditary health risks. At the same time, regulators are pushing back on how that data can be used — especially in life insurance underwriting. In fact, according to the American Medical Association (AMA), several states are considering or have already introduced laws to prevent insurers from using genetic testing results in underwriting decisions, citing concerns around privacy and discrimination.

Key takeaways

1. 1. Currently, federal law prohibits genetic discrimination in health insurance, but not life insurance. New legislation could limit insurers from using genetic data in underwriting.
   2. Clients may fear genetic discrimination and avoid testing, affecting disclosure and trust.
   3. Agents should prioritize transparent, empathetic, and educational conversations in health-related conversations.