By Mark A. Rothstein
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Additional info for Genetics and life insurance: medical underwriting and social policy
Those who regarded life insurance as both a need and a right had fewer years of education, tended to be African-American or Hispanic, were Catholic, and had total family incomes under $25,000 per year. About 20% believed that everyone needs life insurance, but that it is not a right. These individuals were likely to have college or postgraduate education, be older and widowed, be white or Asian, and have an annual income over $100,000. A little less than 7% did not feel that everyone needs life insurance, but that they should have a right to it.
Analysis of an applicant’s predisposition to disease relates to probabilistic considerations as to whether the person will contract disease or die prematurely. Insurers treat conditions such as high blood pressure and elevated cholesterol as though they were shades of gray. They do not assume that someone with hypertension will have a heart attack, but 42 Roberta B. Meyer they know that the probability of heart disease is increased. The individual’s level of risk or possibility of premature death is probabilistically judged to be increased and therefore must be considered in underwriting.
Medical information to be collected from third parties for underwriting life, disability income and long-term care insurance coverages should be collected only with the authorization of the individual. 2. In general, any redisclosure of medical information to third parties should only be made with the authorization of the individual. 3. Any redisclosure of medical information made without the individual’s authorization should only be made in limited circumstances, such as when required by law. 4.
Genetics and life insurance: medical underwriting and social policy by Mark A. Rothstein