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January 13, 2021 4:00 AM Cameron Huddleston - Forbes Advisor
Posted:
Updated:
January 15, 2021 4:14 AM
When you apply for a life insurance policy, the insurance company will gather information about you a lot of information.
It will want to know the basics, such as your age and sex. It will want to know your occupation, your smoking habits and whether you have any risky hobbies. Most importantly, the insurer will need plenty of details about your health, the prescription drugs you take and even your family’s medical history (parents and siblings).
Insurers need this information to determine how much of a risk you are to insure that is, how likely you are to die prematurely. So it would make sense that insurers would want to know the results of any genetic tests you’ve taken, right? After all, those tests could give them insight into whether you might develop a life-threatening disease.