Genetics

Is Genetic Testing Good for the Insurance Industry?

Genetic testing is nothing new. It started back in 1822 with Gregor Mendel, the founder of the modern science of genetics, and his work on heredity.

RGA ReFlections May 2016 Issue

This edition of ReFlections contains an in-depth review of the role of genetics in the rapidly changing diagnostic criteria, risk stratification, and treatment of individuals with chronic lymphocytic leukemia (CLL). RGA also discusses the relatively new but increasingly popular Cancer Reimbursement product and its design, underwriting and claims issues. ReCite, a medical literature review section, has articles of interest to both underwriters and medical directors.

Genetic Testing

In the next decade, genetic tests may become significant and cheap enough that advisers begin suggesting insurance customers test prior to applying for insurance cover. Will consumer behavior change as genetic testing becomes more accessible?

Genetic Testing - Why Insurers Must Stay Tuned In (Gen Re)

Genomics is at the forefront of a technological revolution in biomedicine and healthcare through which personalised treatment is fast becoming a reality. Genomics will improve care across a range of health problems and allow more targeted therapy. If insurance is indeed a pool into which participants pay sufficient to cover their risk, shouldn’t insurers have access to this genomic knowledge to use in equitable ways to benefit customers?

Genomes, Nanobots and Wearable tech: What’s Next Will Change Insurance Forever

It used to be impossible to price insurance based on your particular lifestyle, health or habits — but technology has given us the solution, at least for car insurance. How long before health and life insurance follow? The day is coming when the guesswork involved in evaluating factors regarding a consumer’s specific health risk is virtually eliminated.

DIY Genetic Testing - Is the Genie Out of the Bottle? (Gen Re)

Technological advances now mean that a human genome can be sequenced for US$4,500 in just a few days. The robust nature of DNA, its ease of collection and portability, has led to the creation of mail-order genetic test services that often have no physician involvement.

Canadian Perspective on Genetic Risk

Genetic Testing Model - If Underwriters Had No Access to Known Results: A report to the Canadian Institute of Actuaries Committee.

Direct-to-Consumer Gene Testing in an Australian Context (Gen Re)

We review the developments in genomic medicine and potential impacts on the life insurance industry’s right to underwrite.

Essential Genetics for Life Insurance Underwriters

The aims of this brochure are to provide the reader with a simple introduction to genes and genetic processes in humans and an insight as to how this rapidly developing field of science could impact on the insurance industry.

What Genetic Testing Means for Life Insurers

Genetic testing: it’s the crystal ball of health predictions. Are you more likely to develop cancer, Alzheimer’s or Huntington’s disease later in life? With a few strokes of a cotton swab, you can have that information. And life insurers argue they should have it, too.

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