denied coverage дискриминации ethical cases of genetic discrimination denied life insurance Fast Company already use genetic testing results to deny coverage denied coverage 生命保険会社 genetic discrimination дискриминации denied coverage дискриминации ethical issues may arise how life insurance companies respond to genetic test results do not apply Family genetics and life insurance Fast Company last year already use genetic testing results to deny coverage how life insurance companies respond to genetic test results Life Insurance Can Gattaca You Fast Company do not apply Fast Company A warning on genetic testing how life insurance companies respond to genetic test results denied coverage denied coverage life insurers