MassMutual is rolling out free genetic testing for members, a dicey area for life insurers

One of the country’s biggest life insurers is venturing into genetic testing, an area that’s historically been a minefield for that industry, in a purported effort to keep its members alive longer. 

MassMutual announced Tuesday that it’s offering many of its 4.2 million policyholders free genetic risk assessments for eight common diseases, like heart disease, type 2 diabetes, and breast cancer. The Springfield, Mass.-based insurer hopes that when people learn they carry a genetic predisposition, they’ll take action to lower their risk through diet, exercise, and getting regular screenings.

Viewed one way, it’s a win-win: The longer its members live, the longer MassMutual can collect and invest their premiums without paying out. 

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