The following poem is from a collection of 41 written by me to try describing Huntington’s Disease (HD).

In October 2000 Britain became the first country to approve the commercial use of gene technology to allow insurers to refuse cover or to push up premiums for those born with genes that could lead to fatal conditions. HD was singled out as the only case allowed immediate discrimination because of the reliability of the test. This meant for a person having tested “positive” insurers gained the right to refuse to insure or legally load the premium to extortionate levels (300% has been cited).

If, for example, a person took the test at 18 yet did not go on to develop the symptoms until 60 (late onset), they would face 42 years of unnecessary discrimination. There seems to have been no acceptance of the fact until symptoms start showing… the person with the gene does not have HD!

The Insurance Salesman

 

He’s looking at the paperwork,

He’s thinking of commission.

He’ll reach his bonus target soon,

Just one more sale he’s missing.

 

And this signed piece of paper,

Will take him to his score;

Be home in time for dinner,

So glad he chose this door.

 

But hold on, wait a minute,

What’s she put on that bit?

‘Genetic testing… Huntington’s’,

 He nearly has a fit.

 

He grabs the piece of paper;

Ignores her look so sad.

She thinks that we’ll insure her life?

The woman must be mad!

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Comments (5)
  • Bo Russo on Nov 6, 2009

    Sad but funny at the same time.

  • BradONeill on Nov 6, 2009

    I used to be an insurance salesman. I once got a guy approved for life insurance that had 25% lung capacity from shrapnel in his lung he had picked up during world war 2. The premiums were obviously very high. After sending applications to several companies and getting the required physicals submitted for high dollar policies the man called my office and told my secretary that he decided not to buy the insurance because if they believed he was a good risk he didn’t think he needed the insurance. His son called me a few weeks later asking if his policy was in place.

    People are strange animals why would an insurance company cover someone who had a terminal illness? The only reason is if the premiums were going to bring in more than the company will inevitably pay out. Their are or at least used to be tax reasons for terminally ill people to purchase life insurance at basically break even rates but you really need a team of lawyers to figure that stuff out.

  • TroostAvenue on Nov 6, 2009

    Liked the poem. Don’t know about insurance stuff.

  • T Dainton on Nov 7, 2009

    Thank you TroostAvenue.

  • Northernlight on Jan 6, 2010

    I can just see one frustrated salesman, his target bonus disappearing…..

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