scroll to top
Stuck on your essay?
Get ideas from this essay and see how your work stacks up
Word Count: 1,411
Use of Genetics in Insurance and ImpliationsIn recent years scientific discoveries have opened the door to many areas of research people thought to be impossible One of these areas that have made giant leaps is the study of genetics As scientists find and map new genetic alterations that cause human diseases treatments and cures become readily available Genetic testing is often used to detect genetic defects in individuals who have no symptoms of disease and predict risks of future disease Genetics is also used to predict the presence of the same genetic defects in relatives of the individuals with diseases The same discoveries that have helped find many cures have also intoroduced complicated issues in the insurance field based on the misuse of genetic information to discriminate against insureds Since the importance of genetics was realized actuaries have tried to study the impact genetic testing will have on insurance providers as well as the people they will insure These new genetic discoveries have increased medical research allowing better predictions on the mortality and morbidity of people Most people are unsure of the implications related to genetic information They fear information will be used against them to increase prices or deny coverage altogether This uncertainty has caused some people to forgo testing that could possibly save their lives placing a strain on the medical field by interfering with patients decisions As scientists have discovered new genes they have also discovered mutations that show higher than normal probabilities of a person having or developing certain diseases Insurance companies and government officials have tried to ease peoples concerns and ensure everyone trying to get insurance will not be discriminated against because of a genetic test result The use of genetic testing to calculate mortality is very complex relationships between genetics and diseases are not understood and are limited to only a few cases where genetics would affect a persons application for insurance The development of
@Kibin is a lifesaver for my essay right now!!
- Sandra Slivka, student @ UC Berkeley
Wow, this is the best essay help I've ever received!
- Camvu Pham, student @ U of M
If I'd known about @Kibin in college, I would have gotten much more sleep
- Jen Soust, alumni @ UCLA