80% of sales are won or lost in 3 seconds - Future of Marketing Keynote Speaker - Pardavimu formule

Trust is the Most Important Thing You Sell. Reputational risk - leadership, health, retail keynote

Funny stories about simple mistakes many companies make. Small things make MAGIC and often cost NOTHING to deliver well. Marketing Keynote for Confinn

Life's too short to do things you don't believe in! Why passionate belief in the true value of what you are selling or doing is the number one key to success. Secret of all leadership and marketing - keynote for 1100 people in Vilnius October 2021

Why you HAVE to MEET to close deals. Want to make change happen and innovate? Get your teams into the office. Sales beyond COVID. Marketing keynote speaker - 1100 people

Join me: Accenture SustainABILITY event, Lisbon, Portugal. Keynote on Sustainability and Technology

Future of Sales and Marketing beyond COVID - audience of 800 in Vilnius. Digital marketing, location marketing. How to create MAGIC in new marketing campaigns. Future of Marketing Keynote Speaker

Why this is boom-time for physical corporate events in some nations following COVID vaccinations - future of conferencing, keynote speakers. Get ready for hyper-agile pop-up events at short notice. Companies have to meet to survive. CALL NOW +447768511390

Huge Tomatoes from Exhaust Gas in Power Generation, and re-use of heat. Greentech Innovation, CO2 emissions reduction, energy and food industry - climate emergency keynote speaker - VIDEO

For YEARS I warned about new pandemic risks. Life beyond COVID - impact on health care innovation, vaccines, future of pharma research and drug development. Future of Health care Keynote Speaker and Physician who warned for years about new pandemic risks

Life Beyond COVID. Virtual Event Futurist Keynote Speaker.High audience engagement on COVID. Patrick Dixon is one of the world's leading keynote speakers on health care

Q+A on COVID: global impact - with Futurist physician advisor to corporations and government. COVID keynote speaker - health care trends

Should gene screening for insurance be allowed?

Futurist Keynote Speaker: Posts, Slides, Videos - Future of Insurance - Keynote Speaker on Risk

Testing for genetic disease - genetic underclass, fail the gene test and lose your insurance

  • Gene screening for insurance is very controversial but has been approved in many countries. Genetic screening for disease is cheap and fast.
  • Federal agencies are banned from discriminating on the basis of genetic testing.
  • The Genetics Advisory Commission in the UK recommended that insurance companies can ask about previous gene screening.  
  • The Association of British Insurers also supports gene screening information being given to insurance companies.
  • Gene screening involves taking either a blood or a saliva sample and testing it for certain known gene defects.
  • This genetic prophecy enables doctors to make accurate predictions about the risk of future diseases such as Alzheimer's disease, breast cancer, bowel cancer and Huntington's Chorea.
  • The fear is that gene screening for insurance means that some individuals with gene problems become uninsurable for life or health cover and orm a genetic underclass, unable to get a house mortgage for example.
  • However insurance companies are also very worried about gene screening. Some companies  offer online kits for saliva gene screening.  It is also possible for someone to go to a private clinic and get a gene test without their own doctor ever knowing the result.
  • Such a person can then go to an insurance company and take out a huge amount of life or sickness cover without disclosing their true gene test results, knowing they are likely to become ill or even die sooner than the average person.
  • The winner in that situation is the person with all the facts - the losers are all the others who have policies with the same company who at the end of the day will be covering the massive insurance payouts.
  • The same problem occurred with HIV testing and insurance companies, where many people found out that they had HIV without telling their own doctors.  When some then took out large amounts of life cover, their own doctors wrote on their medical reports that they had a clean medical record, and they got the insurance cover.
  • Insurance companies then began either excluding HIV-related illness from payouts, or asked about previous HIV tests.  They also started insisting on HIV tests for anyone who applied for a large life insurance cover.
  • So the situation is complex.  Insurance companies in Britain may have got the balance about right by going as far as asking if the person has ever had a gene test and if so what is the result?
Need a world-class insurance keynote speaker? Phone Patrick Dixon now or email.

Articles and Videos on Future of Insurance

Future of Banking, Insurance and other Financial Services

Future of online insurance

Why small business insurance often fails to protect

Should genetic screening be allowed for life and health insurance?

Gene tests for insurance - ethical and legal issues - video

Many other videos by Patrick Dixon on insurance industry trends

Future of insurance and wealth management

Reducing risk in financial services / insurance industry

List of insurance industry clients - insurance industry corporate events

Insurance Conference Keynote Presentations - slides

Future of Insurance Industry - wider global trends - for clients of Swiss Re in Asia.  Conference keynote presentation.

Future Trends - for insurance industry audience with interest in sustainability.  For Kilne Group.

Future of insurance and wealth management in South East Asia - internal event for senior leadership of leading global insurer.

Reducing Risk in Financial Services - risk management and investment banking. Keynote for global risk management team of Investec.

Sustainable business - leadership issues - global warming, climate change, wider environmental issues, risk management, personal and family sustainability.

Future of the global insurance industry - for HSBC Insurance global leadership team

Insuring a Rapidly Changing World - major trends relevant to life insurance and health cover underwriting - for clients of Munich Re

Global Trends and their impact on the insurance industry - Munich Re event for clients from Asia. How the insurance industry will be affected by wild cards (low probability, high impact events), why demographic forecasts for ageing and pensions liabilities are incorrect, the development of insurance industry in emerging markets, single issue activism and a rethink about business ethics.

The Future of Insurance, Pensions, Fund Management, Health and Life - Internal event for senior team members of Allianz looking at opportunities and challenges from such trends as new technology, demographic shifts, emerging markets and lifestyle choices. What will happen to life expectancy and the latest on ageing.

HSBC Chairman's Leadership Summit September 2005 - Opening keynote at event for HSBC senior leadership on issues likely to impact the bank, for some of the senior HSBC global leadership team.

Global Trends in Banking and Financial Services - executive training programme for senior teams at Credit Suisse, covering a broad range of issues that are likely to affect the bank and personal / corporate clients.

Managing risk in an uncertain world - Risk management client event for Zurich Financial Services in Lucerne Switzerland. How to manage risk more effectively, with clear vision of future potential liabilities and "wild cards". Many of the greatest risks are the hardest to measure - for example loss of brand value, reputation, sales and share value following high profile scandal. Risk management is becoming more complex and new strategies are needed, including better early warning systems.

The Future of Commercial Insurance Brokers - and related issues. Client event for Zurich Financial Services for their largest commercial insurance brokers in the UK, covering important insurance-related trends and risk management.

Need a world-class insurance keynote speaker? Phone Patrick Dixon now or email.


Related news items:
Newer news items:
Older news items:


Thanks for promoting with Facebook LIKE or Tweet. Really interested to read your views. Post below.

Join the Debate! What are your own views?


?

 

Search for your future



Our cookie policy

We use cookies for statistical purposes. To comply with the e-Privacy Directive we need to ask your consent to place these cookies on your computer.

Your use of this site indicates acceptance of these terms. I accept