Genetic testing analyzes DNA to identify inherited variants associated with disease. In insurance,many jurisdictions limit or prohibit the use of genetic information in underwriting to protect privacy and prevent discrimination. Results can inform medical decisions, but disclosure rules vary widely. Advisors navigate consent, privacy, and potential implications for insurability and family planning.

Advisors clarify disclosure and privacy rules that limit the use of genetic tests in underwriting.Clients are coached on how results inform care while avoiding unnecessary disclosures where prohibited.