Genetic screening may lead to the pooling and centralised storage of genetic information  Most diseases people will not have heard of. Such tests can be used also to store DNA in a database. The hotly debated idea of a DNA database has received much criticism. By framing the question of the ethics of a DNA database in this light is much more positively received by the public, and this is a way governments and insurance companies will change the public perception of a DNA database.  Health insurance companies in America and life insurance companies in Britain will be very keen in the use of this data in order to give higher premiums to those who show positive for certain diseases.  Such genetic screening then may lead to companies demanding information about clients before ensuring them.  This fear of insurance in the US being denied due to genetic predispositions is not groundless. A study conducted by Georgetown University Health Policy Institute in 2008 proves a similar point. In 7 of 92 underwriting decisions, insurance providers (hypothetical cases) decided, they would deny coverage, charge more or exclude certain conditions from coverage based on genetic test results (1).  1. Amy Harmon, Insurance Fears Lead Many to Shun DNA Tests, 02/24/2008,  , accessed 22/05/2011