We support and comply with the Association of British Insurers (ABI) Genetic Testing Code of Practice, which is in place to protect the interests of your clients.
Each of our underwriting sites has a Nominated Genetics Underwriter (NGU) whose role is to:
We never ask anyone to undergo a genetic test.
Every underwriter is required to undergo annual training to ensure they are aware of the implications that genetics have to underwriting.
With effect from 1 November 2001, the moratorium changed to the following:
The ABI Moratorium has been extended until 2017.
If an applicant or a member of the medical profession volunteers a negative test result, this may be used to help offset an adverse decision due to family history (at our discretion).
In practice, because the only approved genetic test result is for Huntington's Disease for life cover it is not necessary for clients to disclose any positive genetic test results on CIC, IPB, MPI or waiver applications, irrespective of the sum assured.
The sum assured limits in the Moratorium are intended to be the total cover in the market.
Confidentiality is paramount to us and we have strict internal rules in place to ensure this is the case.
Monday to Friday 9.00am to 6.00pm.
(With the exception of Thursday's when they open at 9.30am)
We may record and monitor calls. Call charges will vary.