Understanding the distinction between a genetic risk and an actual medical condition is becoming increasingly important for advisers.
 

Genetic testing can identify whether a person has inherited a genetic variant associated with a higher risk of developing certain conditions, including some cancers, heart conditions and neurological disorders.

Historically, some consumers have been concerned that genetic test results could negatively impact their ability to obtain life insurance or affect premiums. Insurers, on the other hand, have argued that access to relevant health information supports accurate risk assessment and pricing.

A significant change to the Australian life insurance landscape takes effect on 8 October 2026.
 

Under the Treasury Laws Amendment (Genetic Testing Protections in Life Insurance and Other Measures) Act, life insurers will generally be prohibited from using adverse predictive genetic test results when underwriting life insurance products. ^{1, 2}
 

This means insurers generally cannot:

 

A genetic predisposition is not the same as a diagnosed medical condition. While predictive genetic test results are protected, diagnosed illnesses, symptoms, medical conditions and treatment history remain relevant to underwriting and must still be disclosed.

AIAA is updating relevant systems, application and policy-related forms, and processes for handling genetic information ahead of the changes commencing on 8 October 2026. These updates will help ensure Protected Genetic Information is not requested, solicited or used contrary to the new requirements.
 

Updated forms and guidance will be made available before commencement. Adviser FAQs will also explain what is changing, what clients must still disclose, how to respond to client questions and where to seek underwriting support.

From 8 October 2026, adverse predictive genetic test results will generally no longer be used in life insurance underwriting. However, diagnosed medical conditions, symptoms and treatment history remain relevant and must continue to be disclosed.  Adviser FAQs and updated guidance will be provided ahead of commencement to support client conversations and clarify how underwriting assistance may be sought.

 

For more information on underwriting, disclosure obligations and supporting clients through these changes, please speak with our underwriting teams across the country.