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Subject: Clarification on Underwriting Request for Genetic Condition Disclosure

Dear Team,

I hope this message finds you well. I am currently in the process of applying for Life & IP, and I have been asked by the underwriter to confirm whether I have been diagnosed with Lynch Syndrome, a genetic condition.

I am seeking further clarification on whether it is necessary for me to disclose this information as part of the underwriting process.

The recent transition from the FSC to CALI has brought about significant changes, particularly pertaining to the Moratorium on genetic tests in life insurance. The updated code of practice now includes an overriding principle that allows insurers to request disclosure and use any diagnosis of a condition as part of the underwriting process, even if the diagnosis is a result of a genetic test.

This new provision seems to undermine the original purpose of the Moratorium, as it now allows insurers to simply request the expected diagnosis rather than specifically asking for genetic test results. I would appreciate further elaboration and an explanation of the reasoning behind this significant shift.

In addition to seeking clarity on the underwriting request, I am also interested in understanding the rationale behind this specific change in the code of practice.

Your assistance in providing comprehensive information and insight into this matter would be highly appreciated.

Sincerely,

[Your Name]

How AI Legalese Decoder can help with the situation:

The AI Legalese Decoder can help in this situation by interpreting and simplifying complex legal and insurance language, helping the individual understand the specific provisions and implications of the Moratorium and the changes brought about by the transition from the FSC to CALI. Additionally, it can assist in analyzing the legal language to provide insights into the reasons behind these changes in the code of practice. This can help the individual make informed decisions and effectively communicate with the underwriter and other relevant parties.

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Original Content:

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Revised Content:

AI Legalese Decoder: Revolutionizing Legal Document Understanding

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