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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


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



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