Still using genetic data? A comparative review of Canadian life insurance application forms before and after the GNDA

Abstract

Genetic testing's increased availability has raised concerns about “genetic discrimination” (GD), where individuals may face unfair treatment, particularly when purchasing personal insurance, because of their genetic characteristics. In 2017, Canada passed the Genetic Non-Discrimination Act (GNDA) to prevent GD. This manuscript reviews post-GNDA life insurance application forms and compares them with pre-2014 application forms to assess the impact of the GNDA on insurance practices in Canada. Based on our comparative assessment, we found that the GNDA has had a modest impact on the practice of life insurers in Canada. Our study also confirms that questions about family history of disease and broadly formulated inquiries are still used on life insurance application forms. Both can, in the absence of clear instructions, lead applicants to disclose protected genetic information.