Archive for the ‘Life Insurance’ Category
By Michelle Matlock, Life Quotes, Inc.
If your grandfather was an alcoholic means that you are destined to be one too? What was your mother and aunt, both diagnosed with breast cancer?
your genetics longer determines the color of the skin and eyes, they present a detailed map, the features of the family, ticks, comic and the afflicted, in some cases, the chances of serious illness.
After a number of key court case in early 2000, genetic testing for genetic risk assessments without merit for those who make employment or insurance.
“We are incredibly vulnerable when it comes to our DNA,” says Dr. Deborah Peel, a physician, psychologist and founder and president boarded the organization’s nonprofit consumer privacy health patientprivacyrights.org. “I do not think we realize that if we fill a room we’ll take DNA everywhere. Can this information may be released from a glass of water or soda. You can remove enough microscopic elements, you can learn more about this person’s genetics. ”
Some fear that genetic testing as a routine use in medical treatment, the insurer ways to get information to deny, limit or cancel to obtain insurance.
fear that the possibility of discriminatory practices with regard to the progress of genetic testing in human genetics to stop.
Today, consumers and stakeholders are looking for stronger protection when access to their medical records coming.
In May 2008, former President Bush signed into law the Genetic Information Non-discrimination 2007-2008 (GINA), the Americans, to protect against discrimination against health insurers and employers exclusively in terms of their DNA. The United States Department of Health and Human Services, gave a tutorial, in March 2009 GINA uses in detail. According to the guide: “When decisions are extended on the basis of 45 CFR requires 46,111 (a) rules GINA prohibits discrimination in health insurance based on genetic information is not for life insurance, disability insurance or long-term care insurance GINA provisions against discrimination by employers. genetic information are generally based not apply to employers with fewer than 15 employees. ”
” I find it a bit GINA troubling, “said Linda McCabe, author and adjunct associate professor of human genetics and pediatrics at the David Geffen School of Medicine at UCLA.” On the one hand, it is a very small step to provide some protection for people who are asymptomatic and are looking to genetic testing. I am very concerned that whoever is actually a disorder or disease is not protected developed. GINA does not protect, if you have symptoms. ”
After GINA was passed, reports the American College of Medical Genetics has received a high number of calls from doctors whether the patients for genetic testing of their pocket, fearing that such information may in against them by insurers used to be able to pay.
February 2008 survey by the Genetics and Public Policy Center in Washington DC, showed that an overwhelming majority of Americans surveyed in 1199 to allow genetic testing for research and advances in health care, but jumped 92 percent on genetic testing were concerned which are used for their health profile. Although the vast majority of their medical privacy with the results of genetic tests (86 percent), trust only 16 percent of employers who have access to this data. An even smaller percentage of their insurers familiar with the same information.
Ninety-three percent felt genetic testing should not be used to deny or limit the choices to make insurance or decisions relating to recruitment and promotion at work.
In recent years the issue has been addressed in health, but very little information on what this could mean a candidate for life insurance was mentioned -. Particularly in the individual Life Insurance is a particular concern because a judge to determine how the mortality risk in insurance rates or deny “does not embrace the insurers generally quickly to new technologies such as genetic testing, “a policy for those who have a medical problem.
said Whit Cornman, a spokesman for the American Council of Life Insurers (ACLI).” Instead, they tend to the things you can see has a long experience. ”
” The thread of the factory approach to Life Insurance is looking for quality factors such as weight, height, and a history of chronic illnesses, insurers are not necessarily genetic information. In addition, these factors are certainly less costly to collect, “said Amanda Arnold, an analyst with health policy and legislation for the National Human Genome Research Institute, National Institutes of Health.
Arnold added that this day is not NHGR case of genetic discrimination, privacy of patients and life insurance will receive, but they understand why genetic testing, you can insurer.
interested “I” scenario, imagine it collects in their interest to such information when it comes to determining the premium is coming, but they have better ways to determine the health of a person and ask prices, “said Arnold.” In Meanwhile, we continue to monitor the issue. If problems arise in the future, then we look like the policy community to the impact of practices and additional recommendations as needed to promote. ”
Currently, 43 States of the importance of maintaining confidentiality genetic information is detected. But each state approaches the problem differently. GINA does not override state laws more broadly.
“Legislatures do many things at the state level for insurance and there are protections against genetic discrimination and privacy of patients at the federal level, but they are specific to life insurance, “says Arnold. “The level of the state could find on this bubble, especially if states begin to analyze more laws on the subject.”
In January 2008, The National Conference of the legislature a list of States to strictly prohibit the use of genetic information collected for risk management and classification of life insurers. These states are:
Arizona Requires “actuarial” justification for the use of genetic information in life insurance and consent to the use of genetic information
California. requires informed consent before genetic information is used. Note: In California, the insurer must submit only one person at a genetic test, if the insurer pays the cost of living specifically
Deliver Florida No insurance company refuse to grant, no. and charge a higher rate simply because a person has sickle cell trait has
Maine requires informed consent and provides actuarial justification
Maryland. Lets actuarial justification
Massachusetts. Lets actuarial justification. Prohibit insurance companies require genetic testing.
Minnesota: requires informed consent and provides actuarial justification
Montana provides actuarial justification
New Jersey Allows actuarial justification and requires informed New Mexico. provides actuarial justification and requires informed consent. Candidates reported that genetic testing may be used.
New York: requires informed consent
North Carolina: Restricted discrimination based on genetic information in life insurance, but applies only “Sickle cell train, thalassemia minor, hemoglobin C train and Tay-Sachs-train Wed Oregon: provides actuarial justification and requires informed consent
Vermont Restricted discrimination based on genetic information in insurance life
Notes. An actuary has to “justify” the reason for a policyholder to provide genetic test results
A prospective policyholders must give their consent. to declare to take a genetic test by a written consent for testing, it must include a description of the test, the reason are the potential applications, and other restrictions, it has the significance of their results and the right explicit confidentiality of results. The written consent must be the person they should consult a genetic counselor before the test and must state whether the insurer will pay for advice. be approved before using a declaration of consent must also Commissioner of Insurance of the State.
Although there is concern that genetic testing is the possibility of a Pandora’s box of the application for life insurance initiated, the authorities of the medical community continues to the reliability of DNA testing has the question.
with the possibility of misleading test results, the FDA and the Federal Trade Commission have also begun to doubt the accuracy of genetic testing are involved.
“DNA shows some predisposition to disease, but it is not 100 percent accurate determination of this investment,” said Peel. “Preference, preferences and practices are in the gene, but studies legitimate are simply not there yet, actually predicted with confidence if you’re sick, even if you are vulnerable to a particular state. ”
The National Institutes of Health have found that genetic testing by physicians, clinics, genetic counselors and laboratory more than 1,300 diseases causes, hundreds of others to research
back nature in relation to education. <- Next -> debate, a geneticist at the muddy pool uncertainty when it comes to predicting the entire course of a genetic defect
to come. “I do not know whether there are genetic tests is misleading, but I know we do not have enough data. Are not most cases by a single gene causes an interaction, it is connected to an interaction of genes with our environment, “says McCabe.
Even if you got a positive result for his pre-symptomatic (if symptoms do not appear), it is not a genetic test can accurately determine the risk of developing disease. Doctors can not predict your results on the course or severity of a condition. Information is a test is even lower if it is a disease that is inherited.
In addition, DNA tests miss abnormalities pathogens because it can not recognize the tests to confirm that all the genetic changes that could revive a particular disease, further consideration to a negative result.
“Everyone has common, natural variations in their DNA (polymorphisms) that have no impact on health,” says McCabe, “If there is a change in the DNA is not associated with the disease can be difficult to determine if it is a natural variation or not. ”
Youadds anything can exclude a result, an accurate diagnosis, it can not indicate whether the person to an increased risk of developing a disease or illness. If this happens are usually family members also reviewed to exclude a certain disorder, said McCabe.
McCabe said she does not feel a question of accuracy when it comes to genetic testing .
“It is more about the genetic determinism … I do not think anyone too much weight on a local test result, she said.
McCabe suggests, if you send your DNA for genetic testing with a specialist in genetics professional should specialize in genetic counseling before deciding to go through a review of the work of thinking.
“There are advantages and disadvantages that must be addressed and patients often find it really necessary,” says McCabe. “Everyone is at risk for a genetic disease, we can not know what genes are specific DNA mutation in the family. It is very difficult to draw any real conclusions because the number of cases we have genetic testing is still limited. ”
This article was published in Life Quotes, Inc.
Term life insurance
sold a few in politics in 2009 because of the chilling effect of the economy for life insurance many.Term seen is a necessary step for virtually all young families. While I understand that nobody wants to think about the death of 25 or 30 years, is the reality that death is an unavoidable fact of life. Based on current statistics of the elderly constitute the majority of the population to buy on the market today. This is troubling for many life insurance agents. The elderly are the largest segment purchase, only because the spread. If you have children, it is simply irresponsible, not life insurance. Many people wait until they discover they have a serious illness or had to pay a family member uninsured at the funeral of pocket. The truth is, there should always be present life insurance as a child. Many parents wonder why I keep my child’s life? It’s a legitimate question and should addressed.The a question to ask is: “God forbid my child dies unexpectedly, as the bill to bury them, or they pay the hospital bills to try to save not only every parent emotionally? devastated the finances to bury your child’s complexity is the last problem, you deal in a difficult time already. A youth policy or a rider (burial / final cost) would be your term life insurance that means trouble. The main reason for confidence in any situation, you can buy your loved bills for funeral expenses, income replacement, so you compensate college. The younger you are, the cheaper the policy. Insurance is non-profit to a death that occurs be ready for something God forbid a loved one, including children. Cost accounting average finish is rough, 000 families, many income countries could be in bankruptcy to pay for a loved one final cost of their own pockets.delay
put life insurance in place does not save consumers. It will cost the consumer more by delay, a life insurance are available. With no insurance, or choosing the wrong policy would result in a lapse in coverage longer if needed, or worse, still insurable because of a medical condition that you have not done in recent years. Life insurance should not be regarded as a commodity but as an investment nessacary your wife, children, parents, siblings or protect. If you love your family, you owe it to them presented with life insurance to protect them.
Best rate quotes for life insurance, saving money while losing weight.
If you smoke, stop. If you drink too much, you use less or not drink all.Get at least 30 minutes of exercise three times a week, according to the American Heart Association recommends. It is not only good for your health, your insurance will cost less.
Smoking can pay for example up to three times the non-life insurance Non-smokers, and there is not enough to be enrolled in a smoking cessation program, you must prove that you possibly ‘re not a smoker with a blood test. Even if you leave, it may take one to five years before your insurance company keeps you on a non-smoker. Some life insurance companies may offer to reduce your speed when you left for a while, but it depends on each company.
for drinkers to consume more than two drinks per day will opt for the cheaper price discount-more than four, and disqualify you for the packages. Similarly, obese and overweight people in a high risk category, since BMI is high cholesterol or blood pressure reduction of life expectancy according to Jim O’Toole, Director General Life and Health MBA Actuaries, Inc. in Winston-Salem, NC Whether you term life insurance, usually the lowest prices at the beginning or life insurance that has fixed prices are the basis of Your rate of the age, sex and lifestyle. Since you can not get a change or younger between the sexes, reducing costs on your insurance with a healthy lifestyle.
For the best insurance rate quotes for aim for a healthy BMI (body mass index), cholesterol and blood pressure by maintaining a healthy weight. Your life insurance may be interested in the well-being, fitness or advice you learn to be registered, but they do lower insurance premiums when they see the results.
This article was published in Life Quotes, Inc.