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748 vaping, recreational drugs, genetic testing + more (life insurance Q&A)

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Genetic Testing and Insurance Insights

This chapter explores the impact of genetic testing on life and disability insurance applications, emphasizing duty of disclosure and legislative changes. It addresses how certain genetic conditions can affect insurance assessments and the nuances of drug use disclosures. The discussion highlights the ethical responsibilities of applicants and insurers, culminating in a light-hearted anecdote about ancestral DNA testing.

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