DNA Testing Could Kill Insurance Industry


COMPANIES WHO SELL LIFE INSURANCE POLICIES AND LONG-TERM CARE POLICIES ARE VERY MUCH CONCERNED ABOUT THE UPPER HAND YOU HAVE AS A CONSUMER WHO HAS DONE GENETIC TESTING THROUGH SERVICES LIKE 23 AND ME AND THE REASON WHY THEY ARE CONCERNED ABOUT IS BECAUSE YOU ARE ARMED WITH KNOWLEDGE ABOUT YOUR OWN HEALTH THAT COULD GIVE YOU AN ADVANTAGE OVER THESE INSURANCE COMPANIES ACCORDING TO A RECENT REPORT: SO WHEN THEY OFFER THESE POLICIES OF COURSE THEY DO EVER PROFIT AND THEY TAKE A CALCULATED RISK WHEN THEY GRANT SOMEONE THE SALE OF THAT POLICY

THEY CAN DENY THE POLICY FOR CERTAIN INDIVIDUALS WHO ARE UNHEALTHY OR DEEMED A RISK BUT NOW THAT WE HAVE THESE TESTS AND NOW THAT THEY ARE NOT CONNECTED TO OUR INSURANCE IN ANY WAY, THEY DO NOT HAVE TO BE REPORTED TO THE MEDICAL INDUSTRY IN ANY WAY, THESE INSURANCE COMPANIES ARE WORRIED THAT IF YOU KNOW THAT YOU HAVE SOME SORT OF GENETIC PREDISPOSITION TO AN ILLNESS, YOU WILL SIGN UP FOR THESE SERVICES AND THEY WILL LOSE MONEY THAT IS WHAT THEY ARE CONCERNED ABOUT OF COURSE ONE OF THE INSURERS SAID WE WOULD NEVER USE THIS INFORMATION TO DISCRIMINATE WHAT WOULD YOU USE IT FOR? YOU ARE GOING TO FIND OUT THE GUYS GOING TO DIE IN FIVE YEARS, NOT DIE IN FIVE YEARS, THAT HE IS GOING TO HAVE AN EXTENDED END-OF-LIFE WHICH IS WHAT THIS INSURANCE IS FOR, BUT I WILL NOT USE THAT AGAINST HIM

I WILL CHARGE IN THE SAME RATE THEN WHY DO YOU WANT TO FIND OUT? DURING INDUSTRY MEETING, ONE OF THE EXECUTIVES FOR ONE OF THESE COMPANIES SAID: BY THE WAY KEEP IN MIND WHEN IT COMES TO THESE COMPANIES, THERE ARE LUCKILY FOR NOW REGULATIONS THAT PREVENT THEM FROM OBTAINING THIS TYPE OF GENETIC INFORMATION SO: I WOULD YOU THE LOOPHOLE THEY ARE USING TO GET AROUND THAT IF YOU WENT TO YOUR DOCTOR AND GOT SOME TESTING, WHEN THEY ASK YOU FOR YOUR DOCTORS RECORDS WHEN THEY'RE GIVING YOU THE INSURANCE, IT IS IN THERE GOLLY GEE, HOW TO KNOW WHEN TO GETTING THAT INFORMATION? THAT IS HOW THEY USED AGAINST YOU BY THE WAY, THIS IS NOT A PLUG FOR 23 AND ME, BUT THOSE GUYS, THEY ARE NOT YOUR DOCTORS SO IT IS HARDER TO GET ACCESS TO THAT INFORMATION

THAT IS WHY THESE INSURANCE COMPANIES ARE REALLY MATTED THINGS LIKE 23 AND ME THEY ARE LIKE GIVE ME THAT INFO THEY SAY IT IS AN UNFAIR ADVANTAGE TO THE CONSUMER THAT THEY GET TO HAVE INFORMATION THAT THE INSURANCE COMPANY DOES NOT HAVE I KNOW, THE CONSUMER IS SO UNFAIR TO THESE GIANT CORPORATIONS IT IS RIDICULOUS

BY THE WAY, FOR NOW I KNOW THAT THESE COMPANIES HAVE A VERY DIFFICULT TIME TRYING TO OBTAIN THIS KIND OF INFORMATION AND 23 AND ME, AS FAR AS I KNOW AND OTHER SIMILAR COMPANIES THAT OFFER THESE SERVICES ARE NOT SHARING THIS INFORMATION WITH THESE INSURANCE COMPANIES, HOWEVER, I DO NOT KNOW I DO WORRY ABOUT WHAT THE FUTURE HOLDS BECAUSE THIS IS OUR GENETIC MAKEUP IT IS DATA THAT PEOPLE HAVE ON US IT IS STILL A PRIVATE COMPANY I DO NOT KNOW WHAT THE FUTURE HOLDS AND I DO NOT KNOW WHETHER OR NOT THE WRONG PEOPLE WILL HAVE ACCESS TO THAT GENETIC MATERIAL IN THE FUTURE, SO THAT IS MY LITTLE NOTE OF CAUTION BUT WITH THAT SAID I ACTUALLY HAVE AN INTERESTING QUESTION TO ASK YOU, CENK

ARE YOU INTERESTED IN KNOWING WHAT IS LIKELY TO KILL YOU? I WANTED TO ASK YOU THE SAME QUESTION WE DIDN'T TALK ABOUT IT EARLIER YES DEFINITELY I NEVER SOME PEOPLE THAT ARE LIKE I DO NOT WANT TO KNOW

FIRST OF ALL, I KNOW A LOT OF YOU SOMETHING THAT A LOT OF YOU DON'T KNOW WHICH IS THAT WE ARE ALL GOING TO DIE YOU THINK YOU KNOW THAT YOU KNOW YOU THEORETICALLY KNOW THAT BUT YOU DON'T LIVE THAT WAY SINCE OUR ONLY PERSPECTIVE IS ONE OF BEING ALIVE, IT IS HARD TO FATHOM WHAT IT MEANS TO BE DEAD AND NOT EXIST SO EVERYBODY GOES AROUND AS IF THEY ARE NOT GOING TO DIE, AS IF EVERY DAY ISN'T PRECIOUS BUT IF YOU FOUND OUT THAT YOU HAD AN ILLNESS THAT IS LIKELY TO KILL YOU IN YOUR 50S, ALL OF A SUDDEN YOU WOULD PANIC LITTLE BIT WOULDN'T YOU? BUT DUDE I HAVE TO TELL YOU, YOU'RE GOING TO DIE I DON'T KNOW IF YOU'RE GOING TO DIE IN YOUR 50S OR 80S OR WHEN, BUT YOU ARE AND EVERYDAY IS PRECIOUS SO IF YOU TOLD ME 50S, I WOULD CHANGE MY GAME PLAN

OH, YEAH? WHAT WOULD YOU DO? FIRST OF ALL, SORRY GUYS, I HAVE TO GO, MAYBE I WOULDN'T MAYBE I WOULD PUSH JUST AS HARD AS I AM TODAY TO GET THE AMENDMENTS TO GET MONEY OUT OF POLITICS, BUT THE MINUTE I GOT MONEY OUT OF POLITICS YOU WOULD NEVER SEE ME AGAIN I AM GONE THEY ARE NEVER GOING TO GET ME LOOK, I TRY TO GET THE MOST OUT OF LIFE AND I DON'T KNOW, MAYBE IT IS CLICH… TO TRAVEL AND I'M NOT THAT BIG OF A TRAVELER BUT I WOULD TRY TO GRINDING AWAY AND WE DO, I LOVE THIS JOB BUT WE DO GRIND SO I WOULD WANT TO KNOW BECAUSE IF I AM LASTING TO MY 80S, I'M GOING TO HAVE A DIFFERENT GAME PLAN FOR MY LIFE THEN IF I'M GOING TO MY 50S AND TO USE THINK I WOULD SPEND A LITTLE BIT MORE MONEY? SORRY KIDS, IF YOU LEAVE ALL THIS MONEY BEHIND AND YOU DID NOT SPEND IT BECAUSE YOU ARE WORRIED ABOUT ALL MY GOD, DO I HAVE ENOUGH FOR END-OF-LIFE CARE THEN YOU SCREWED UP

GO SPEND IT IF YOU HAVE IT WHAT YOU THINK WEST OH I ACTUALLY AM NOW PLANNING ON DOING IT, DOING THIS TESTING TO FIGURE OUT WHAT I AM PREDISPOSED TO FOR DIFFERENT REASONS 1ST OF ALL, HE DOES NOT YOU WHEN YOU'RE GOING TO DIE BUT IT DOES TELL YOU WHAT DISEASE YOU ARE LIKELY TO SUFFER FROM LATER IN LIFE I THINK THERE ARE CERTAIN INSTANCES WHERE YOU CAN TAKE ACTIONS TO BE THAT DISEASE

FOR INSTANCE IF YOU ARE PREDISPOSED TO CERTAIN TYPES OF CANCER, IF YOU HAVE A CERTAIN TYPE OF CANCER GENE YOU CAN DO WHAT ANGELINA JOLIE DID FOR INSTANCE, SHE DECIDED TO REMOVE HER OVARIES AND DOUBLE MASTECTOMY AND ALL OF THAT I WOULD WANT TO TAKE THE PROPER PRECAUTIONS BUT IF THERE WAS A WAY FOR A WAY FOR ME TO FIND OUT WHEN I'M GOING TO DIE, LET'S SAY RIGHT NOW I AM 31 AND I ONLY HAVE ANOTHER FOUR YEARS TO LIVE, I WOULD CHANGE MY GAME PLAN I WOULD CERTAINLY BE MOUTHIER YOU WOULD BE MORE MOUTHY? THAT GRAMMAR WAS NOT RIGHT I WOULD BE MOUTHIER

YES ABSOLUTELY I HOLD BACK A LOT, YOU GUYS DON'T EVEN KNOW THERE ARE CERTAIN INDIVIDUALS THAT I FEEL LIKE I HAVE TO BE CIVIL TOWARD WHEN I DON'T WANT TO BE BUT YOU HAVE TO BE A DECENT HUMAN BEING DIE IF I FOUR YEARS TO LIVE I DON'T THINK THAT I WOULD CARE ABOUT BEING A DECENT HUMAN BEING CAN'T WAIT TO SEE AND UNLEASH BUT I DO NOT WANT TO SEE THAT I HOPE YOU UNLEASH IT WHEN YOU ARE 84

Source: Youtube


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