I would like to know about something imminent and life altering, yes. Some rare and unlikely medical condition, I don't know.. but I guess I would have to report it, if it was part of an application form.
More sobering is, what is stopping a health or life insurance company from acquiring 23 & Me or Ancestry DNA? What is their retention policy anyway of user samples and results? They're obviously keeping some of it if they can match family members to each other.
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