DNA Testing Can Impact Your Life Insurance Policy

Importantly, the results of an at-home DNA test have no bearing on your health insurance or employment prospects. Whatever your DNA results show, the Genetic Information Nondiscrimination Act of 2008 prohibits discrimination based on your genes.

This federal law, however, does not apply to life insurance, long-term care insurance, or disability insurance. If your genes indicate that you are at high risk of certain diseases, these insurance providers may charge higher premiums or even refuse to issue you a policy.

For the time being, few life insurance companies ask applicants about DNA test results. That could change in the future, and the results of your DNA test could result in an increase or decrease in your life insurance premiums.