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Genetics and Life Insurance: Medical Underwriting and Social Policy (Basic Bioethics)

By Mark A. Rothstein

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.

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	Business/Investing Risks in the Making: Travels in Life Insurance and Genetics Ine Van Hoyweghen, "Risks in the Making: Travels in Life Insurance and Genetics"Amsterdam University Press (April 25, 2007) \| ISBN: 9053569278 \| 256 pages \| PDF \| 1,2 Mb rapidshare Mirror -> FileFactoryMIRROR : paid4sh ...
	Study Bioethics and Armed Conflict: Moral Dilemmas of Medicine and War (Basic Bioethics) Michael L. Gross, «Bioethics and Armed Conflict: Moral Dilemmas of Medicine and War (Basic Bioethics)»The MIT Press \| ISBN: 0262072696 \| 2006-06-10 \| PDF \| 400 pages \| 1.16 MBIs medical ethics in times of armed conflict identical to medic ...
	Business/Investing Risks in the Making : Travels in Life Insurance and Genetics (Amsterdam University Press - Care and Welfare Series) {Repost} Risks in the Making : Travels in Life Insurance and Genetics Publisher : Amsterdam University Press \| ISBN : 9053569278 \| 2007-04-04 \| Pages : 256 \| PDF \| 1.4 MBnsurance include member discounts, rewards scheme, and even roadside help when ...
	Business/Investing Social Insurance and Social Justice : Social Security, Medicare and the Campaign Against Entitlements Social Insurance and Social Justice : Social Security, Medicare and the Campaign Against Entitlements Springer Publishing Company \| Pages: 488 \| 2009-03-23 \| ISBN : 0826116140 \| PDF \| 2 MBWe must tell the story of how social insurance pr ...
	The Limits of Medical Paternalism (Social Ethics and Policy) Author: Heta H?yryPublisher: Routledge (1991)Binding: Library Binding, 220 pagespricer: $150.00ISBN-10: 0415063205editorialreviewsThe Limits of Medical Paternalism defines and morally assesses paternalistic interventions, especially in the ...
	Nonfiction Making Medical Decisions for the Profoundly Mentally Disabled (Basic Bioethics) Norman L. Cantor: "Making Medical Decisions for the Profoundly Mentally Disabled (Basic Bioethics)"The MIT Press \| ISBN: 0262033313 \| 2005 \| PDF \| 321 Pages \| 1,3 MBIn this book, Norman Cantor analyzes the legal and moral status of people ...

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