The Future of Risk Classification in the Age of Predictive DNA-Based Testing

Donald Chambers

North American Actuarial Journal, 1999, vol. 3, issue 1, 21-28

Abstract: This paper describes the epic genetic testing issue within the context of the insurer’s decadeslong struggle against increasing numbers of people who question the fairness and social legitimacy of risk classification.The fact that this uniquely personal and emotional genetics issue is now erupting at the very time that our industry seems preoccupied with other challenges begs the question of our industry’s ability to manage this issue in a way that will preserve the basic fabric of our being. A major goal of this paper is to articulate a visionary tenpart industry management strategy.Four specific and critically important industry management recommendations are made. Although some will be easier than others to accomplish, each is exceedingly important.

Date: 1999
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DOI: 10.1080/10920277.1999.10595765

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