California AB1798 prohibits insurers from using genetic information in underwriting for life and disability insurance.

California AB1798 amends the Insurance Code to prohibit life and disability insurers from using genetic information in underwriting decisions. Insurers cannot require, request, or solicit genetic information or test results. Insurers also cannot use genetic test results unless they are included in the individual's medical record, not from a direct-to-consumer test, and the individual has provided informed written consent. Insurers can only use genetic information to rule out an adverse finding based on the individual's medical record.

California AB1798 prohibits insurers from using genetic information in underwriting for life and disability insurance.

California AB1798 amends the Insurance Code to prohibit life and disability insurers from using genetic information in underwriting decisions. Insurers cannot require, request, or solicit genetic information or test results. Insurers also cannot use genetic test results unless they are included in the individual's medical record, not from a direct-to-consumer test, and the individual has provided informed written consent. Insurers can only use genetic information to rule out an adverse finding based on the individual's medical record.