Currently 95% of insurance policies in the UK are obtained on a standard rate and less than one percent are declined due to mortality risks. As genetic tests increase in number and ease, so could conditional testing and policy costs for insurance.
In 1997, a British group of insurers stated that genetic testing results could not be withheld from insurers, but that the information provided would not affect the premiums on mortgages for the cheapest houses. In Germany, genetic testing for insurance purposes is forbidden. In the Netherlands, life insurers have agreed to exclude certain genetic information from their premium calculations.