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Genetics And Life Insurance

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Genetics And Life Insurance

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Author : Mark A. Rothstein
language : en
Publisher: MIT Press
Release Date : 2004

Genetics And Life Insurance written by Mark A. Rothstein and has been published by MIT Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Business & Economics categories.

Experts discuss the economic, legal, and social issues surrounding the use of genetic testing in determining eligibility for life insurance. Insurance companies routinely use an individual's medical history and family medical history in determining eligibility for life insurance; this is part of the process of medical underwriting. Insurers have also long used genetic information, often derived from family history, in underwriting. But rapid advances in gene identification and genetic testing are changing the way we look at genetic information. Should the results of genetic testing (which might identify a predisposition toward disease not related to medical history) be available to life insurance medical underwriters? Few if any life insurers currently require genetic testing, but there are no laws or regulations prohibiting its use. Genetics and Life Insurance examines the complex economic, legal, and social issues surrounding the use of genetic information in life insurance underwriting. The contributors are legal scholars, representatives of the life insurance industry (including an actuary and an insurance physician), a geneticist, a genetic counselor, a philosopher, and a consumer advocate. They explore all aspects of an issue that has only recently drawn the attention of policymakers and the public. The book opens with a report on the results of a public opinion poll on genetics and life insurance. Succeeding chapters present the insurer perspective, a discussion of the economics of risk selection in life insurance, background information on the process of underwriting, a scientific analysis of genetic risks and mortality rates, a philosophical discussion of fairness and genetic underwriting, the viewpoints of consumers and genetics counselors, a comparison of different international policy approaches to the issue, and a legal analysis of antitrust implications when insurers collaborate in setting standards for medical underwriting. In the final chapter the editor addresses various policy options, examining the pros and cons of each one and assessing their political feasibility.

Genetics And Insurance

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Author : FRANCOIS EWALD
language : en
Publisher: Taylor & Francis
Release Date : 2023-05-31

Genetics And Insurance written by FRANCOIS EWALD and has been published by Taylor & Francis this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-05-31 with Science categories.

Compiled by a well known and respected team of editors and contributors from interdisciplinary backgrounds, this book has its origins in the Euroscreen project, a research project funded by the European Commission to examine the legal and ethical issues arising from the use of genetic testing and screening since 1990. Contributors from members of a sub-group look at the likely impact of genetic testing on insurance. It will be published at a point when the significant controversy surrounding this issue will have intensified throughout the European Union. Although taking a European perspective, it addresses US issues where there is a strong interest in comparative legislative strategies, taking a themed approach, this book looks comprehensively at the basis issues with an analytical rather than a descriptive approach.

Genes And Insurance

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Author : Marcus Radetzki
language : en
Publisher: Cambridge University Press
Release Date : 2003-11-06

Genes And Insurance written by Marcus Radetzki and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003-11-06 with Law categories.

The result of two key social developments in recent years are examined here: the partial dismantling of the welfare state and the progress of genetics. Genetic insights are increasingly valuable for risk assessment, and insurers would like to use these insights to help determine premiums. Combined with the fact that social welfare is being curtailed, this could potentially create an uninsured high-risk population. Along with considerations of autonomy and privacy, this is the basis for an ethical critique of insurer's access to information. The result has often been regulation of such information; but the authors argues that due to adverse selection, regulation will not solve these problems, and this may jeopardize the survival of private personal insurance. Instead, we should look towards the resurrection of social insurance, a key component of the welfare state. This will interest academic researchers as well as professionals involved with genetics and insurance.

Risks In The Making

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Author : Ine van Hoyweghen
language : en
Publisher: Amsterdam University Press
Release Date : 2007

Risks In The Making written by Ine van Hoyweghen and has been published by Amsterdam University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Social Science categories.

In recent decades, insurance companies, scientists, and public officials have debated the potential use of genetic testing in insurance decisions. With Risks in the Making, Ine van Hoyweghen alters the terms of the debate, moving it from abstract, theoretical grounds to the question of how insurance companies actually work. Through an empirical ethnographic study of life insurance in Belgium, van Hoyweghen reveals fascinating and important details about insurance practices and risk management, underscoring the diversity of insurance markets, underwriting practices, and strategies.

Genetics And Insurance

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Author : T. McGleenan
language : en
Publisher: Bios Scientific Pub Limited
Release Date : 1999-01-01

Genetics And Insurance written by T. McGleenan and has been published by Bios Scientific Pub Limited this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999-01-01 with Medical categories.

"The use of genetic screening and testing techniques in relation to life and health insurance raises serious legal and ethical issues. Pressure is now mounting for legislative responses to the perceived threats. Genetics and Insurance addresses the issues at the heart of this debate and provides an analytical framework on which to shape policy." "Genetics and Insurance offers practical guidance to geneticists, medical and bio-ethicists, philosophers, insurance company representatives, and policy makers."--BOOK JACKET.Title Summary field provided by Blackwell North America, Inc. All Rights Reserved

Social Trust And Life Insurance

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Author : Louise Morris
language : en
Publisher: Cambridge Scholars Publishing
Release Date : 2011-05-25

Social Trust And Life Insurance written by Louise Morris and has been published by Cambridge Scholars Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-05-25 with Law categories.

This book investigates the role of incomplete knowledge, social trust and risk perceptions in influencing acceptance of the perceived risks related to insurers using genetic test results. In addition, the author identifies and explains the factors and conditions that affect this risk acceptance pattern. In order to do so, both survey methods and semi-structured interviews are employed. A review of the ‘necessity’ of life insurance companies to acquire genetic test results is undertaken, followed by an analysis of the speculated consequences of such usage for society. Management of the risks related to insurers using genetic test results is examined and the problems and difficulties inherent in the risk management strategies, suggested and enforced, are explored. This is followed by a comparison between the societal risks produced by insurers using genetic test results and the risks theorised as pertaining to a ‘risk society’ (Beck, 1992) and a ‘runaway world’ (Giddens, 1990, 1999).

Genetics And Insurance

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Author : Great Britain. Parliament. House of Commons. Science and Technology Committee
language : en
Publisher:
Release Date : 2001

Genetics And Insurance written by Great Britain. Parliament. House of Commons. Science and Technology Committee and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Great Britain categories.

In 1995 the Science and Technology Committee published a wide-ranging inquiry into Human Genetics and expressed concern about the use of genetic test results by insurance companies (HC 41-I Session 1994-95). Since then many insurance companies have continued to use genetic test results and so this report looks at the relevance and reliability of such tests and the wider consequences for research and patient care. One of its conclusions is that there should be a voluntary moratorium for the next two years. During this time research should be done to establish the actuarial and scientific relevance of genetic tests to the assessment of premiums and wider healthcare issues.