Under Indiana law, genetic testing for substandard rating classes is permitted, while information on HIV/AIDS is protected by federal laws; however, details like sexual orientation and ethnic origin are not allowed in underwriting.
Under Indiana law, genetic testing to establish substandard rating classes is allowed in a life insurance company's underwriting procedures. However, medically specific information regarding HIV and AIDS is protected by federal laws such as the Genetic Information Nondiscrimination Act (GINA), which prohibits genetic discrimination by health insurance companies and workplaces. Conversely, information regarding an applicant's sexual orientation and the ethnic origin of the applicant cannot be used in underwriting procedures due to anti-discrimination laws.
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