> Life and disability insurance companies already deny coverage based upon "sub-clinical family history" of conditions. They do so based upon gathered family medical histories.
The term "sub-clinical" means "something that has not yet caused you any problems bad enough that you mention them to a doctor, and therefore never makes it into your medical history; and which also would not yet be revealed by a medical examination."
To be clear, a "sub-clinical family history", then, isn't information about your sub-clinical conditions attained from medical data about your family's clinical interactions (that would be a regular family history!); rather, it's information about your clinical or sub-clinical conditions, deduced through triangulation of your (potentially quite distant!) relatives' sub-clinical conditions, which were in turn discovered through genetic screening of those distant relatives, that they themselves did consent to, as some presumed-boilerplate when submitting their DNA to ancestry websites and the like.
There is currently no way for insurance companies to be aware of your "sub-clinical family history" besides just asking you. With automated triangulated genetic screening, they would have a way to get around asking you.
The term "sub-clinical" means "something that has not yet caused you any problems bad enough that you mention them to a doctor, and therefore never makes it into your medical history; and which also would not yet be revealed by a medical examination."
To be clear, a "sub-clinical family history", then, isn't information about your sub-clinical conditions attained from medical data about your family's clinical interactions (that would be a regular family history!); rather, it's information about your clinical or sub-clinical conditions, deduced through triangulation of your (potentially quite distant!) relatives' sub-clinical conditions, which were in turn discovered through genetic screening of those distant relatives, that they themselves did consent to, as some presumed-boilerplate when submitting their DNA to ancestry websites and the like.
There is currently no way for insurance companies to be aware of your "sub-clinical family history" besides just asking you. With automated triangulated genetic screening, they would have a way to get around asking you.