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.

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