This article reviews insurance regulatory law and policy in relation to the use of modern molecular biotechnology and InsurTech following Florida's recent prohibition of using genetic information in life insurance risk classification. It focuses on the field of epigenetics, which studies the area above and around a human cell’s immutable DNA and how a person’s behavior and experiences changes gene expression. The authors conclude that epigenetic tests should not create the same political objections that recently led to Florida’s GINA-like prohibitions on using genetic information in life insurance and that emerging biotechnologies like epigenetics should be studied and considered as a bridge between traditional underwriting and modern InsurTech.

Read, "Modern Regulatory Frameworks for the Use of Genetic and Epigenetic Underwriting Technology in Life Insurance," in its entirety.