Should insurance companies be allowed to use DNA tests to decide how much to charge someone?
Dear High Techie,
Life and disability insurance, however, could possibly go this route. It’s not clear whether a person’s DNA would be a valid predictor of his future disability or even life span. The technology may have to advance further in order for this calculation to be refined. Keep in mind too that the insurer only has to predict the risk for the period of time that the customer buys the insurance. They can limit their risk by requiring updated physicals every five years, for example. This is probably a better and more direct source of data about their insured risk than a DNA study.