Life Insurance Company Bypasses Genetic Discrimination Laws with Epigenetic Workaround

Environmental exposures to contaminations trigger epigenetic responses, and set off epigenetic mechanisms that change how genes are expressed without changing DNA. These changes can be passed on and inherited - again without changing DNA.

Most developed nations have laws prohibiting genetic discrimination - for jobs, health and life insurance, etc.. But these laws say nothing about epigenetic inheritance.

So now, insurance companies are bypassing Genetic Discrimination laws and demanding samples to analyze epigenetic biomarkers - and discriminate on that basis.

So if your Grandmother survived a famine and left you epigenetically susceptible to diabetes or obesity - you're SOL. If your Grandfather's exposure to mustard gas in WW1 -or his smoking- left you susceptible to asthma or something - you're SOL.

Truth is, very few diseases and susceptibilities are genetic - they're epigenetic. And you're SOL. Anti-Genetic Discrimination laws do not apply to Epigenetic inheritance.

GWG Life Becomes First Insurtech Firm to Collect Epigenetic Samples to Analyze Biomarkers of Life Insurance Policy Owners

...In February, the company hired Dr. Brian Chen, a recognized expert on aging and epigenetic technology, to lead the initiative to create new methods of life insurance underwriting using epigenetic biomarker methylation technology.

The company also announced it has retained insurance technology expert Tom Nodine and a team from KPMG to assist in assessing the value proposition of the advanced predictive technology for the life insurance industry. GWG Life is the first company to identify the implications of the predictive powers of epigenetic biomarkers for the life insurance business.

Life Insurance Firm GWG Incorporates Epigenetic Mortality Predictor into Underwriting

a reply to: soficrow

While the rights of individuals are being eroded, corporations are being given more and more power - especially when you consider the concept of a "corporatocracy" (as described by John Perkins, author of "Confessions of an Economic Hitman")

The governing bodies, banks and corporations have a stranglehold on our society and the people are being squeezed into tighter and tighter spaces quite worrisome...

a reply to: FamCore

My thinking too. One thing though. Read an article this morning -it says banks are not considered 'corporations' in economics. ...a bit confusing. Need to re-read, think about it.

originally posted by: soficrow
a reply to: FamCore

My thinking too. One thing though. Read an article this morning -it says banks are not considered 'corporations' in economics. ...a bit confusing. Need to re-read, think about it.

Banks or "the bank" have rights way beyond what the 1st amendment affords the press and religion. They are a power, "the power" unto themselves. They can print fake paper money......but you cant.

a reply to: soficrow

I was "preaching" to my dad last night, fired up about the Federal Reserve. I said

It should be ILLEGAL to have "Federal" in your name if you are not part of the Government because it is extremely misleading, and many people in the public don't even know the Federal Reserve is NOT FEDERAL.

Simply creating a law that doesn't allow organizations to give themselves misleading names would at least open some people's eyes to the scam we are still living in.

The same goes for the "Chamber of Commerce" - they are a nonprofit, but each state has one "New York Chamber of Commerce", sounds like an official New York Entity, but it's not part of the government, and it's actually one of the biggest lobbying groups in the entire country.
We are being sheered everyone!

Pre disposition to cancer in your family? Rejected.

Insurance companies are responsible for this. Companies pay higher fees for perceived health risks, insurance, the 'protection rackets'.

The other open drain for assets no one ever talks about. The MSM never mentions it...

No wonder big agro and livestock companies hire undocumented workers by the bushel.

originally posted by: soficrow
Environmental exposures to contaminations trigger epigenetic responses, and set off epigenetic mechanisms that change how genes are expressed without changing DNA. These changes can be passed on and inherited - again without changing DNA.

Most developed nations have laws prohibiting genetic discrimination - for jobs, health and life insurance, etc.. But these laws say nothing about epigenetic inheritance.

So now, insurance companies are bypassing Genetic Discrimination laws and demanding samples to analyze epigenetic biomarkers - and discriminate on that basis.

So if your Grandmother survived a famine and left you epigenetically susceptible to diabetes or obesity - you're SOL. If your Grandfather's exposure to mustard gas in WW1 -or his smoking- left you susceptible to asthma or something - you're SOL.

Truth is, very few diseases and susceptibilities are genetic - they're epigenetic. And you're SOL. Anti-Genetic Discrimination laws do not apply to Epigenetic inheritance.

GWG Life Becomes First Insurtech Firm to Collect Epigenetic Samples to Analyze Biomarkers of Life Insurance Policy Owners

...In February, the company hired Dr. Brian Chen, a recognized expert on aging and epigenetic technology, to lead the initiative to create new methods of life insurance underwriting using epigenetic biomarker methylation technology.

The company also announced it has retained insurance technology expert Tom Nodine and a team from KPMG to assist in assessing the value proposition of the advanced predictive technology for the life insurance industry. GWG Life is the first company to identify the implications of the predictive powers of epigenetic biomarkers for the life insurance business.

Life Insurance Firm GWG Incorporates Epigenetic Mortality Predictor into Underwriting

Life insurance is a bet that both you and the company are making. You are betting you die and the life insurance company is betting you don't. Life insurance is not a right. It is a financial product. It makes total sense that the insurance underwriters putting up the money to insure you want to understand and take into consideration the statistical risks that you might die earlier than anticipated.

I guess I don't understand what is so nefarious about this.

a reply to: Edumakated

For starters, life and health insurance started as a way for workers to pool their resources to help one another and each others' families - using non-profit cooperatives. It worked so well that Big Business Corporations waltzed in using their connections to create impossible legal barriers for the workers' insurance cooperatives - took them over, and created the health and life insurance industry.

You might wanna look at the big picture.

a reply to: soficrow Who cares? Insurance is for mice and cowards anyway...

a reply to: Argentbenign

Hmmm. Maybe the people sucked into the glamor of space travel? Without being fully informed about the health risks?

US Government Issues NASA Demand - ‘Get Humans to Mars By 2033’

originally posted by: soficrow
a reply to: Edumakated

For starters, life and health insurance started as a way for workers to pool their resources to help one another and each others' families - using non-profit cooperatives. It worked so well that Big Business Corporations waltzed in using their connections to create impossible legal barriers for the workers' insurance cooperatives - took them over, and created the health and life insurance industry.

You might wanna look at the big picture.

Nice deflection. The point still stands that insurance underwriting has to take into account all the statistical factors that could lead to an untimely death. Again, the insurance company is betting you live and you are betting you die.

If you were putting up your own money to insure someone, you'd be asking the same questions.

a reply to: Edumakated

No, not a deflection. Two opposing goals.

The original, when workers created non-profit life and health insurance cooperatives to pool their resources to help one another and each others' families. And the for-profit corporate takeover.

originally posted by: soficrow
a reply to: Edumakated

No, not a deflection. Two opposing goals.

The original, when workers created non-profit life and health insurance cooperatives to pool their resources to help one another and each others' families. And the for-profit corporate takeover.

Even a non-profit insurance cooperative would have to take into account the underwriting statistics otherwise they would be insolvent. The basic premise of insurance is still the same.

It's gotten to the point that if you were alive and breathing at some point they will refuse to pay.

It's all one big game and, as we know, the House always wins.

This is a step in the wrong direction

Just wait tell we have a way to know when we die than they will call foul

originally posted by: Edumakated

originally posted by: soficrow
a reply to: Edumakated

No, not a deflection. Two opposing goals.

The original, when workers created non-profit life and health insurance cooperatives to pool their resources to help one another and each others' families. And the for-profit corporate takeover.

Even a non-profit insurance cooperative would have to take into account the underwriting statistics otherwise they would be insolvent. The basic premise of insurance is still the same.

No - the original goal was to help when needed - not only did the non-profits NOT become insolvent, but the profit potential was so high that the Big Business Corporations jumped in, took it over and created the insurance industry. Because it was so profitable.

a reply to: Edumakated

Information like this is far to private and easily abused.

What next? Life insurance companies can put cameras in your bathroom to moniter your bowel and bladder habbits? Maybe GPS trackers to make sure we dont go to dangrous places?


Sorry insurance company's have survived well enough so far without this data and so can continue to survive without it!

a reply to: crazyewok

Sorry insurance company's have survived well enough so far without this data and so can continue to survive without it!

Problem is there's a chronic disease pandemic caused by all the industry-generated contamination and pollution in our air, soil, food and water - medications too. It's not about genetic mutations, it's epigenetic - and it's inheritable. That's why they want to cover butt.

BIG problem. YUUUGE!