When assessing family history and genetic risks in field underwriting, which approach is appropriate?

• A. Consider family history of early mortality or genetic conditions; use underwriter guidelines to adjust rating if applicable; maintain confidentiality.
• B. Rely solely on applicant's self-reported health.
• C. Ignore confidentiality and publish results.
• D. Deny any policy based on potential genetic risk.

Answer: (A)

Evaluating genetic risk in field underwriting means using family history of early mortality or genetic conditions, applying underwriter guidelines to adjust the rating when appropriate, and preserving confidentiality. Family history provides relevant clues about inherited risk that can influence mortality expectations. Using established guidelines ensures consistent, fair decisions and prevents arbitrary judgments. Keeping genetic information confidential protects applicant privacy and aligns with ethical and legal expectations around genetic data. Relying solely on self-reported health can miss important risk factors, and publishing results or denying coverage solely because of potential genetic risk would be inappropriate and contrary to sound underwriting practice.