Our Policies

Genetic testing

We recognise that genetic testing has the potential to play an important role in empowering Australians to be better informed about their health and wellbeing. It also allows them to manage any health risks through preventative actions and personalised medicine.

The life insurance industry does not want to deter people from taking genetic tests or participating in scientific research.

CALI supports a ban on life insurers using genetic tests in underwriting, with some limited Government approved exclusions to guarantee fairness for all insured Australians. The Federal Government is expected to make a decision on the future regulation of the use of genetic tests in life insurance underwriting in 2024.

Currently, the Life Insurance Code of Practice sets out how insurers will use genetic tests and ensures Australians can access a suitable level of life insurance without being asked about the result of a previously taken genetic test.