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Genetic Testing and Life Insurance

From 8 October 2026, the Treasury Laws Amendment (Genetic Testing Protections in Life Insurance and Other Measures) Act 2026 is in effect. Life insurers cannot ask for, solicit or use genetic testing information when assessing an application for life insurance. This ban means…

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Accelerated underwriting: approval without an exam Accelerated underwriting lets qualified applicants skip the medical exam using database checks and health answers. Who qualifies, trade-offs and limits. Age nearest vs last birthday: why your insurance age rounds up Many insurers price on the age nearest your birthday, so you can count as a year older up to six months before turning that age. How it works and how to use it. AI and data in life insurance underwriting How insurers use algorithms and outside data in underwriting, and the rules: Colorado SB21-169 and Regulation 10-1-1, the NAIC AI bulletin, New York. AI regulation in insurance: Colorado, the NAIC bulletin and New York How regulators govern insurers' use of AI and outside data in life underwriting: Colorado's rules, the NAIC model bulletin, and New York's 2024 circular letter.

Health and Underwriting

How insurers judge health and habits, and what that does to approval and price.

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Underwriting and Exams Medical exams, accelerated and AI underwriting, and how insurers price risk.
Health Conditions Diabetes, cancer, obesity, GLP-1 drugs and mental health in life cover.
Longevity and Lifestyle Life expectancy, smoking, wellness programmes and the habits that move premiums.

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