Over the counter gene testing kits create life insurance risks for underwriters, because personal and private gene test results are not available to the insurer when assessing life insurance premiums.

The risk is that widespread requirements for gene tests by insurers could meant that people with certain genes are unable to get life or health cover, which in turn may impact things like eligibility for mortgages.

Pharmaceutical company anti-ageing products. Market research into anti-aging. Longevity trends and why life expectancy will be a major issue for banks, pension companies and insurance companies.

Demographic trends and length of life, and health care trends. Relationship between wealth and life expectancy. Why government actuarial life tables are incorrect. Impact on retirement age, ageism, discrimination against older workers.

Where the majority of the country favour a particular radical direction, democratic elections may result in governments and policies that are more extreme than the dictators that were replaced.