fbpx Skip to content

What’s in Your DNA? Genetic Testing and Insurance Rates

We have all been there, seeing a new doctor and being asked numerous questions about your health history. If you are like the majority of people, you have a hard time with this. Not only is it difficult to remember, it is difficult to know your family health history in the first place. Firstly, some people do not have access to family health records because of deceased family members. Secondly, people that were adopted may never have the ability to know the health history of biological parents.

This leaves people to guess on important questions and not provide correct medical backgrounds to healthcare professionals. There can be risks to not knowing your health history. First of all, you will not know the illnesses you are more prone to such as diabetes, heart disease, and high blood pressure. Having this knowledge would allow the individual to alter their lifestyle choices and behaviors to avoid the risk of getting the disease.

At-Home Genetic Testing Kits

We live in a fast paced and technology driven world where everything is at our fingertips, including genetic testing. Yes, you read that correctly, genetic testing kits are now delivered to your door and sent back to a lab for testing and analysis. There are a few different services that have taken the spotlight over the last couple years. “Ancestry” and “23andMe” have allowed people all over the world to take a look inside their DNA and be proactive with their health.

How They Work

The testing covers a wide range of categories all from one vile of saliva and some quick questionnaires. In just under six weeks, customers can have access to an entire health profile, genetic breakdown and links to ancestry. People have been able to learn that they were at risk for diseases they could prevent. These genetic breakdowns are one of the most responsible things you can do to manage your health and prepare for the future. For example, many people choose to take this step before deciding to have children. This way, they can ensure there are no severe illnesses present before conceiving. Hence, genetic testing can help young families take control of their health and life.

Effect on Your Insurance Rates

With more knowledge about your health and potential risks, it makes sense that insurance agencies will consider genetic backgrounds for coverage. This can work both in your favor and also against you. This has been a concern for consumers since the beginning. These online tests are not medical genetic tests, and therefore not connected directly to insurance policies. This means that you can have your results for personal use and private conversations with your healthcare provider. In conclusion, the test results could tell you valuable information to help you choose a life insurance policy to best fit you and your family. The more you know, the more prepared you are.

Auto Listings
Motorcycle Listings
Life Listings
Health Listings
Home Listings
Small Business Listings

8 Comments

  1. furtdsolinopv on October 30, 2018 at 3:30 pm

    I am not sure the place you’re getting your information, but good topic. I must spend a while finding out more or working out more. Thank you for wonderful information I was looking for this info for my mission.

  2. Ilene on April 12, 2019 at 8:07 am

    You are so cool! I don’t think I’ve read through something like that before. So good to discover somebody with genuine thoughts on this issue. Really.. many thanks for starting this up. This web site is one thing that is needed on the internet, someone with a little originality!

  3. Claudette on April 13, 2019 at 1:54 pm

    Nice post. I was checking continuously this blog and I’m impressed! Very helpful info specially the last part 🙂 I care for such info a lot. I was seeking this particular info for a long time. Thank you and best of luck.

  4. Bianca on April 20, 2019 at 7:04 am

    I’m extremely impressed with your writing skills and also with the layout on your weblog.
    Is this a paid theme or did you modify it yourself? Anyway keep up the nice quality writing, it’s rare
    to see a nice blog like this one nowadays.

  5. Claudio on April 22, 2019 at 5:00 am

    This is very interesting, You are a very skilled blogger.
    I have joined your rss feed and look forward
    to seeking more of your magnificent post. Also, I’ve shared your
    website in my social networks!

  6. Martina on May 13, 2019 at 7:16 pm

    What a information of un-ambiguity and preserveness of precious know-how
    about unpredicted feelings.

  7. Gabriella on May 21, 2019 at 6:04 am

    An intriguing discussion is definitely worth comment.
    There’s no doubt that that you ought to publish more about
    this subject, it may not be a taboo subject but usually people do not talk about these
    subjects. To the next! Best wishes!!

  8. Wilbur on June 17, 2019 at 8:01 am

    Hello Dear, are you truly visiting this site daily,
    if so then you will definitely get nice experience.

Leave a Comment





This site uses Akismet to reduce spam. Learn how your comment data is processed.

RECENT POSTS

Guide to Open Enrollment: Making Sure You Are Insured for Next Year

December 3, 2019

‘Tis the season! That doesn’t just apply to the holidays, but also to health insurance. You have probably heard the phrase “open enrollment” tossed around either on the news or…

Read More

Life Insurance Needs Assessment: Top 5 Reasons You Need Life Insurance

November 24, 2019

We are all guilty of procrastinating every now and then. Especially when it comes to the somewhat morbid topic of life insurance. We all know that our death is an…

Read More

Health Risks and Insurance Costs of Vaping: Is It Really “Cool to Vape”?

November 14, 2019

For decades, smoking has been advertised as cool, sexy, and trendy. With the invention of the e-cigarette, tobacco companies did not stray from their tried and true marketing strategy. Plus,…

Read More

Evaporated into Thin Air: Unseen Effects of Vaping on Health Insurance

October 31, 2019

Among many of the world’s new inventions, e-cigarettes have become a new craze. A recent article from Reuters reported that roughly 1 in 20 Americans are currently vaping or using…

Read More

Save on Car Insurance: Top 5 Ways to Secure a Cost-Effective Auto Policy

October 17, 2019

We are all trying to save more money, but sometimes there don’t seem to be any areas to cut back. One avenue to explore is ways to save on car…

Read More

All Risk Home Insurance Coverage: It’s a Risky Business to Go Without

October 15, 2019

We have all heard the horror stories about people not buying specific insurance coverage and then losing their homes to a tragedy. After an earthquake in California, our neighborhood chat…

Read More

Gap Coverage 101: What You Need to Know About Health Insurance

August 22, 2019

Mind the Gap There are several situations in life that cause people to either change their health insurance, end their health insurance, or have a gap in coverage. I recently…

Read More

Motorcycle Insurance 101: First Time Riders

August 13, 2019

The Cool Commuter When you think of motorcycles, a few things come to mind. Typically, they are thoughts related to the Sons of Anarchy. However, there are actually a lot…

Read More
Scroll To Top
%d bloggers like this: