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4/28/2019 0 Comments

Life Insurance & The At-Home DNA Test Kit | Why You Shouldn't 'GIVE A SPIT'

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DNA TEST GENETIC PRIVACY DANGER
Shopping for Life Insurance? That cute colorful harmless-looking little "at-home DNA test kit" can put your privacy —and your family— at risk. 

If you absolutely must know whether or not you should trade in your lederhosen for a kilt— take the time to understand how your data could be used. Know what you are signing. And discuss this with your family, first: by agreeing to share your DNA, you are agreeing to share theirs as well!

Protect yourself. Protect your loved ones. Read the fine print. Think before you spit!
“That tiny sample can disclose the biological building blocks of what makes you you... The data can be very enlightening personally, but a major concern for consumers should be who else could have access to information about your heritage and your health.”

~Lesley Fair, Federal Trade Commission (FTC)

The hidden dangers of DNA tests: Do the benefits outweigh the risks?

March 1, 2019
 
Millions of Americans have taken at-home DNA tests like Ancestry, 23andMe, and MyHeritage. With news of the recent data breach affecting genetic testing company MyHeritage — and law enforcement using GEDMatch and FamilyTreeDNA to tie suspects to crimes — how concerned should you be about your privacy? THINK Again talks with experts who believe the risks may outweigh the benefits.

“If you apply for life insurance they do have a right to get all your medical records. And if you've had a genetic test taken, they do have a right to request it... You should only submit to a DNA test if they agree to destroy the sample.”

~Jamie Court, Consumer Watchdog

The at-home DNA test craze is putting us all at risk

April 16, 2019
 
​Investigators have begun solving violent crimes through a new kind of DNA search — one that relies on DNA data from popular at-home DNA tests like 23andMe and AncestryDNA. But, as consumer DNA databases grow, a disturbing reality emerges: you could be identified via your DNA even if you’ve never taken a DNA test yourself. In this video, we explore how that’s possible.

“Consumers need to think carefully about whether they want to take these tests... It will not impact their health insurance under current law, but it could impact their life insurance.”

~Dave Jones, California Insurance Commissioner

Protect Yourself. Protect Your Loved Ones.

State laws protecting genetic information vary. Under current Federal law, your genetic information cannot be 'considered' (i.e. used against you) as a means of job discrimination or when it comes to determining the cost of your health insurance, but —although the laws are changing— at this time, these same privacy protections DO NOT apply to long-term care insurance OR disability insurance OR life insurance. 

WE URGE YOU TO PUT YOUR FAMILY BEFORE YOUR CURIOSITY— BUY LIFE INSURANCE BEFORE USING ANY AT-HOME DNA TEST OR MAIL-IN GENETIC SCREENING KIT!

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“The world of easily accessible genetic testing is still very new. While your DNA doesn't change, the science behind it is evolving at a rapid pace. Today, using genetic testing in the life insurance application process isn't the norm, but that doesn't mean it won't be used 5, 10, 15 or 20 years from now.”

~Chelsea Brennan, Smart Money Mamas

RELATED READING

What is genetic discrimination?
ghr.nlm.nih.gov
4 Risks consumers need to know about DNA testing kit results and buying life insurance
www.cnbc.com
While Insightful Into Ancestry, Genetic Testing Could Have Serious Life Insurance Consequences
consumerwatchdog.org

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