The Alzheimer's Society is accusing insurers of flout ing the ABI's 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
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's 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's Society
says very seriously although to date we have not been made aware of any