Memorandum submitted by Scottish Widows
Scottish Widows is a provider of life assurance
and investments assessing both mortality and morbidity.
1. Most genetic test results we have been
sent have been diagnostic rather than predictive and would seem
to be uncontentious and outwith the purpose of inquiry. For predictive
tests we follow the ABI Code of Practice. It is felt to be desirable
that the industry should take a uniformly sensitive and responsible
approach to this subject. Agreeing such a code with an acknowledged
expert genetic adviser and following it seems the best practice
for such a rapidly changing knowledge domain with a high public
2. We obtain our expert advice via the ABI
genetic adviser, Professor Raeburn. Not considering using tests
outwith those approved by GAIC we have had no need to seek scientific
advice for other possible tests. If ever we desired to consider
a test for some other condition this would be pursued through
the ABI genetics committee for submission to GAIC.
3. We intend using tests as and when they
are submitted to, and approved for the purpose by, GAIC.
4. We have no intention of submitting applications
other than via the ABI. We do not consider that there are likely
to be reasons for considering much wider use of test results in
the foreseeable future. Any speculation on possible developments
which might alter our views on this would be unhelpful. The factors
on which such decisions would be based have been clearly set out
in industry presentations to earlier parts of the genetic testing
and insurance debate.
5. We do not find the current regulatory
system causes any particular problems. We are compliant.