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ESSAY ASSIGNMENT: Within the life-health insurance industry, the use of genetic testing results by insurers is a controversial issue and one for which regulation at the state and federal levels have been argued and implemented.
Discuss this issue, which medical conditions could be detected through genetic testing, the evolution of regulation in this area and what underwriting information is allowable by insurers. Also explain the extent and variation of current state and federal regulation. Then, you should address how the actuary should proceed with pricing life, health and pension products, given the possible obstacles with this information.
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