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Life insurance is a con. We all know that. They take your money. Then when you make a claim they force you into court to make you back down or run you up a huge legal bill. I cashed my life insurance in when they stopped paying the share investment bonus that doubled what you paid in. Now if you close the policy you get back "less" than you paid in premiums. No one is perfect out there, so when they say they will make people have genetic tests before they can take out a policy you should be afraid. The big three insurers say they have not had one complaint from consumers so far. Unfortunately, the ones who had genetic tests have not made any claims yet. There will thousands of complaints when the insurance companies fail to pay out. Thankfully, you cannot be forced to have a genetic test currently. However, you must hand one over if you have already had one - by law. Just why the government made giving up private information compulsory under force of law is a myster