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Charity claims insurers are breaking genetic test rules

The Alzheimer&#39s Society is accusing insurers of flout ing the ABI&#39s code


on gen etic tests.


The society has written to the ABI to complain about the ambiguous wording


of application forms, which it says could prompt consumers to divulge the


results of genetic tests unnecessarily.


The society claims that ABI members are breaking the code by failing to


inform consumers they do not need to reveal test results when applying for


life insurance


on mortgage of less than £100,000.


The charity looked at application forms from nine randomly selected life


offices, including CGU Life, Legal & General and Prudential.


Eight of the forms typically include a section for applicants to include


any other medical information if they are unsure of its relevance to the


application.


The charity says this opens the door for consumers to reveal genetic test


inform ation which may affect their applications.


Only Allied Dunbar complied fully with the society&#39s understanding of the


code by stating clearly on the first page of its form that genetic test


results were not required.


Society spokeswoman Rebecca Gray says: “Our aim was not to single out any


particular company but to highlight the responsibility of the ABI to ensure


that its members are complying fully.”


ABI spokesman Malcolm Tarling says: “We take what the Alzheimer&#39s Society


says very seriously although to date we have not been made aware of any


problems.”

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