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Gene screening for insurance will be allowed to prevent fraud against life insurance companies. Future impact on life insurance and medical insurance premium ratings and risk weighting, targeting or cherry-picking low risk insurance applicants. Discrimination based on gene test results - interpretation of gene tests, errors, misdiagnosis, predictions of future disease, medical conditions, health problems. challenge to insurerrs from private online genetic tests. Legal challenges to gene screening and government policy, industry guidelines. Over the counter gene testing kits create life insurance risks for underwriters because personal and private gene test results are not available to the insurer when assessing life insurance premiums and life expectancy.