Business Insurance Magazine
business insurance magazine
Increased Critical Illness Insurance for Women who Get Cancer Tests
Ladies, if your mother or any other female blood-line relatives have a history of breast or ovarian cancer then from next year onwards, you could face higher insurance premiums. You could even be refused cover altogether.
When these women apply for life and critical illness cover, the insurance industry wants to ask them whether they have been tested for the gene mutations BRCA1 or BRCA2. These are the gene complications that increase the chances of them developing these cancers. But before the insurance companies can ask these questions on their application forms, they must get approval from the Genetics and Insurance Committee, the body that advises the Government on these and similar issues.
In the coming months the Association of British Insurers (ABI) will be requesting the Committee for authority to ask women whether they have been tested positive for BRCA1 or BRCA2 gene mutations. These are the mutations that are present in 1 in 10 of newly diagnosed cases of ovarian cancer and 1 in 20 of new cases of breast cancer. Approximately 1 in 850 women in Britain inherit a faulty BRCA1 gene and of those, 14 – 18% will develop breast cancer during in their lives.
On the web site for the Genetics and Insurance Committee we found a notice saying, ” The Committee expects that the Association of British Insurers will submit in late 2006/2007 four revised and updated applications for the use of adverse results from the predictive genetic tests of the BRCA1 and BRCA2 genes (breast/ovarian cancer) in helping to determine insurance premiums for life and critical illness insurance”.
So far, application forms issued by British insurance companies are only allowed to ask for the results of predictive tests for Huntington’s disease. Even then, the question can only be asked when the application is for more than £500,000 of life insurance cover or mote than £300,000 for critical illness insurance or over £30,000 for payment protection insurance. This rule is set under an agreement entered into by the insurance industry which is due to expire in 2011 but the Chairman of the ABI’s Genetics Working Party, Harpal Karlcut, is reported in the trade insurance magazine “Cover”, as saying: –
“We are looking to get approval for the breast cancer test by the end of the year”, adding, “The two breast cancers are the next conditions that we will look at but after that we don’t see the need to look at other conditions. We do keep an eye out for what diseases may come up in the future but there is nothing else on the horizon”. We add another important rider – yet!
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Positive and negative effects of using a computer?
so i need to write this essay i just need help with an introduction(i always have trouble with that)
positives; get info for homework, talk to friends, play games, used for businesses(health insurance,police,architecture,movies,magazines etc.)
negatives: get addicted,waste time, get fat
thank u so much:)
woops mag is supposed to be magazines
like i need to explain the positive and negative ways it has impacted my life
i dont need help with pros and cons
i need help with an intro, jeez ppls!
Computers are important advances in technology and have had positive impact on society, but have also had negative effects as well. People can communicate with their friends amd people all over the world, information can be obtained instantly, and many businesses and gaming cites are available. However the internet also is notorious for cyber-bullying and sexual harrassment; people can just as easily be exposed to false information or inappropriate material as important information for school.
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Keyspan by Tripp Lite PR-US2 Presentation Remote Wireless w Laser, Mouse $43.59 Works up to 60′ with plug-and-play pliant with USB connectivity for PC or Mac Features a laser safe pointer audio control and 2-button mouse control with cursor controlControls Windows Media Player iTunes and QuickTimeTravel pouch for carrying the remote and receiver… |
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Ask Me Insurance Medical Large Mug by CafePress $18 Do you sell auto insurance, health insurance, homeowners insurance, or any kind of insurance? Promote your insurance business A unique way to start a conversation with potential customers Medical Large Mug Super-size your favorite beverage or just size-up to avoid spills with our hefty, 15 oz. ceramic Large Mug. Large easy-grip handle. When you need more, mug it up. Measures 4.5 tall, 3.25 diameter. Dishwasher and microwave safe. |
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