It's interesting that you post that question today, the day I got my AARP
monthly bulletin which has an article about genetic testing to determine if one is susceptible to certain diseases.
The article reports that such DNA testing can be accomplished by mail order without having it arranged by a doctor.
But "Reasons to be cautious remain. A test that shows a risk potential for a disease doesn't mean the patient will develop that condition," says Scott R. Diehl, professor of oral biology and health information at Rutgers Biomedical Health Sciences in Newark, NJ. "Most diseases have a complex causality, which means that it's often not a single gene that results in illness, but the complicated interaction between an individual's genetic makeup and his or her environment, diet, even tobacco use."
The article goes on to say that US laws protect consumers from being denied health insurance based on genetic tests but quotes Erica Ramos, president elect of the National Society of Genetic Counselors "there are currently no protections in place for long term care, disability and life insurance. In some states, a life insurance application can ask if you've had genetic testing."
Other than what I just read I have no knowledge that would enable me to join the discussion. Let's see what the life and health guys have to say. Maybe there are trends appearing in life and health applications and underwriting.