SUMMARY OF GENETIC TEST RESULTS UNDERWRITTEN
IN THE PERIOD APRIL 1997-JANUARY 2001
|Result of test
||Underwriting action and its effect on the decision
||Mortgage related life assurance up to £100,0001
||Other life assurance up to £100,0002
||Other life assurance business3||Business including critical illness or permanent health insurance4
|Negative||FH ignored so loading avoided
|Ignored so no effect (though they may be rated on FH)
|Positive||Considered but no effect on terms5
|Positive||Considered and terms affected
FH = family history.
w/d = withdrawn.
1 This is business covered by the ABI minimum concession
requiring us to ignore positive results (and not to require the
disclosure of genetic test results).
2 This is other business where we have always voluntarily
chosen to ignore positive results (ie other life assurance up
3 This is business where we would take account of positive
test results (provided the appropriate approval to use the test
result had been given) up to October 2000, but not thereafter.
4 This is business where we may still take account of positive
test results provided the appropriate approval to use the test
result has been given.
5 These are cases which were either declined for other reasons
or accepted at standard rates even after taking into account the
genetic test result.
6 This is a case where one condition was excluded from critical
illness cover and life assurance and critical illness cover for
all other conditions were granted at standard rates.