| LIFE, DISABILITY, AND
LONG-TERM CARE INSURANCE
Life, disability, and long-term care insurance
are intended to protect individuals and their families from unexpected
events that result in death or inhibit major life activities. Unlike
health insurance, these products focus less on the medical care
of affected individuals and more on the protection of their families,
assets and standard of living. The lack of a direct medical aim
in life, disability and long-term care insurance has complicated
debates over the right of public access to such products.
At the same time, the importance of individual underwriting in these
insurance markets, as well as public statements by life, disability,
and long-term care insurance providers, indicate that genetic testing
may be used increasingly in the future to determine insurance premiums
and standards of eligibility.
of Articles, Reviews and Reports