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This publication provides a comparative study of insurance regulation and supervision in nineteen Latin American countries.  It also includes materials prepared for two policy dialogue meetings, in Honduras in 2002 and in the Dominican Republic in 2003, between OECD Member countries and partner countries in Latin America to facilitate the co-operation and co-ordination among insurance regulators and supervisors. This publication is a reference tool for experts and policy makers, working in the insurance field.

Insurance law -- Latin America -- Congresses. --- Insurance law. --- Insurance, Life. --- Insurance. --- Insurance --- State supervision. --- State supervision --- Assurance (Insurance) --- Coverage, Insurance --- Indemnity insurance --- Insurance coverage --- Insurance industry --- Insurance protection --- Mutual insurance --- Underwriting --- Finance --- Insurance companies --- Insurance commissioners --- Insurance law

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Insurance companies routinely use an individual's medical history and family medical history in determining eligibility for life insurance; this is part of the process of medical underwriting. Insurers have also long used genetic information, often derived from family history, in underwriting. But rapid advances in gene identification and genetic testing are changing the way we look at genetic information. Should the results of genetic testing (which might identify a predisposition toward disease not related to medical history) be available to life insurance medical underwriters? Few if any life insurers currently require genetic testing, but there are no laws or regulations prohibiting its use. Genetics and Life Insurance examines the complex economic, legal, and social issues surrounding the use of genetic information in life insurance underwriting. The contributors are legal scholars, representatives of the life insurance industry (including an actuary and an insurance physician), a geneticist, a genetic counselor, a philosopher, and a consumer advocate. They explore all aspects of an issue that has only recently drawn the attention of policymakers and the public.The book opens with a report on the results of a public opinion poll on genetics and life insurance. Succeeding chapters present the insurer perspective, a discussion of the economics of risk selection in life insurance, background information on the process of underwriting, a scientific analysis of genetic risks and mortality rates, a philosophical discussion of fairness and genetic underwriting, the viewpoints of consumers and genetics counselors, a comparison of different international policy approaches to the issue, and a legal analysis of antitrust implications when insurers collaborate in setting standards for medical underwriting. In the final chapter the editor addresses various policy options, examining the pros and cons of each one and assessing their political feasibility.

Life insurance --- Genetics --- Bioethics --- Insurance, Life. --- Bopetjoca; Ossies/ --- Genetics. --- Biology --- Biomedical ethics --- Life sciences --- Life sciences ethics --- Science --- Embryology --- Mendel's law --- Adaptation (Biology) --- Breeding --- Chromosomes --- Heredity --- Mutation (Biology) --- Variation (Biology) --- Genetic Structures --- Genetic Phenomena --- Life Insurance --- Insurances, Life --- Life Insurances --- Medical examinations --- Moral and ethical aspects --- bio-ethiek (medische, biomedische ethiek, bio-ethische aspecten) --- genetica (genen) --- genetisch onderzoek --- medisch onderzoek --- bioéthique (éthique médicale, biomédicale, aspects bioéthiques) --- génétique (gènes) --- recherche génétique --- examen médical --- Bioethics. --- Medical examinations.