Clearly, one can see that there are many moral issues involved in a simple procedure of genetic screening. An innocent fetus might be terminated just because it wasn't of the desirable sex that the parents desired. Genetic screening also increases the chance of discrimination, in jobs, in schools, and in services. The information acquired through genetic screening may cause insurance companies not to offer life or health insurance coverage to people who have a chance of getting a certain disease, even though a portion of these people will never actually contract the disease. The most dramatic recent examples of the industry's fears in this regard was provoked by the AIDS epidemic.
Insurance companies charge low premiums for people in their twenties and thirties.
Lately however, companies have found themselves insuring people in their twenties and thirties who have been infected with the HIV virus. This caused many insurance companies to try to screen clients for HIV and base the insurance coverage on that information. Many questions still need to be answered before we continue with biotechnology. It will be virtually impossible to set up fair and moral policies concerning such issues. One can see that it is not wise to pursue genetic engineering studies.