GENETIC INFORMATION AND LIFE INSURANCE UNDERWRITING

描述：（申请人摘要）拟议的研究将研究是否 应该对人寿保险公司使用预测性基因的行为加以限制， 风险分类或医疗承保信息。这项研究将 重点关注以下问题：1）使用科学的现状 预测性遗传信息在死亡风险计算中的作用; 2） 处理人寿保险精算公平问题的成文法和判例法; 3） 现行及建议的规管人寿保险公司使用 基因信息（包括人寿保险公司请求或要求 （4）允许个人质疑其基因检测的判例法 拒绝人寿保险覆盖范围或保险费率根据标题III的 美国残疾人法案; 5）反垄断和其他法律的限制， 人寿保险公司之间的合作，就其使用 承保中的预测性医疗信息; 6）消费者对 人寿保险和遗传信息，包括消费者对 基于预测遗传信息的逆向选择压力; 7） 遗传学和人寿保险的比较法观点; 8）道德 寿险的使命和社会功能; 9）保单的发展 选择和可能的立法和监管战略。研究设计 将包括传统的法律的，医学，社会科学， 生物伦理学研究和分析。一项详细的全国消费者调查 仪器将由专门挑选的 承包商人寿保险、经济学、 遗传学，保险法，比较法和哲学将研究和 在会议之前就各自的主题写一章， 德克萨斯州，休斯顿。会议邀请的其他嘉宾将是 专家以及保险业，消费者， 民选官员和监管机构。会议将重点建设 在有分歧的领域达成共识和增进理解。章节， 以及在会议上形成的立场，将构成一个 书出版

DESCRIPTION: (Applicant's Abstract) The proposed research will study whether there should be any limits placed on life insurers' use of predictive genetic information in risk classification or medical underwriting. The research will focus on the following issues: 1) the current state of the science on the use of predictive genetic information in mortality risk calculations; 2) the statutory and case law addressing actuarial fairness in life insurance; 3) existing and proposed legislative activity regulating life insurers' use of genetic information (including life insurers' ability to request or require genetic testing); 4) the case law allowing individuals to challenge their denial of life insurance coverage or premium rates under Title III of the Americans with Disabilities Act; 5) antitrust and other legal constraints on cooperation among life insurance companies with regard to their use of predictive medical information in underwriting; 6) consumer attitudes toward life insurance and genetic information, including consumer perceptions of adverse selection pressures based on predictive genetic information; 7) comparative law perspectives on genetics and life insurance; 8) the moral mission and social function of life insurance; and 9) the development of policy options and possible legislative and regulatory strategies. The research design will consist of traditional legal, medical science, social science, and bioethics research and analysis. A detailed, national consumer survey instrument will be prepared and administered by a specially selected contractor. Leading experts in the fields of life insurance, economics, genetics, insurance law, comparative law, and philosophy will research and write a chapter on their respective topics in advance of a conference in Houston, Texas. Additional invited guests at the conference will be other experts as well as representatives of the insurance industry, consumers, elected officials, and regulatory bodies. The conference will focus on building consensus and advancing understanding in areas of disagreement. The chapters, as well as the positions developed at the conference, will form the basis of a book to be published