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Co-op says its clients won&#39t have to reveal genetic tests

Co-operative Insurance Society says it will not require customers to disclose details of past genetic test results when applying for life insurance.

The move sets CIS apart from its competitors, most of which say that, while they would not require individuals to take a genetic test, they should be allowed access to tests taken by them in the past.

A Government-commissioned committee decided last month that the results of tests for Huntington&#39s disease are valid and can be considered for insurance purposes. It is the first of a number of tests the committee is studying to see if their results can be trusted.

CIS says developments in genetic testing need to be seen from a consumer perspective and not just a clinical perspective.

It says caution must be taken to ensure there are no further deterrents to people having adequate protection.

General manager (marketing) Martin Clarke says: “The ongoing improvements in genetic science will hopefully improve the long-term prognosis for individuals. But we do not believe that people should be immediately penalised for disclosing something which may or may not affect their health in the future.”

CIS has also hit back at a call by Autif for the Government to scrap the insurance component of the Isa.

It says scrapping the insurance component risks removing an important route for first-time equity savers to invest in the stockmarket.

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