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A new blood test devised to show how quickly someone is aging has now been made available to the general public, and could affect the cost of life insurance in the future. By measuring the vital structures of the tips of the chromosomes, the test can indicate the speed at which a person is aging.
The test costs £435 and can successfully compare a person’s ‘biological age’, with their actual age. Medical researchers predict that the test could become widely used within the next five to ten years, but this could have serious implications for the life insurance industry.
Providers of life insurance are interested in the test, as they offer a service based on how long a person is expected to live – any accurate predictions of this could have a massive effect on premiums. Scientific opinion suggests that the test can give some indication of the risk of dying prematurely from disorders related to aging – such as Alzheimer’s or cardiovascular diseases. Research shows that people who are born with shorter telomeres – the end of the chromosome – are known to have a shorter life span, but is so far inconclusive regarding longer telomeres offering a longer life span than average.
As studies continue into the accuracy of the test, there are worries that insurance companies will add this as a compulsory term for insuring people in the future. Scientists have pointed out that if a person smokes or is obese their insurance rate will inevitably be higher, so if they have shorter telomeres the price could theoretically increase also.
Over the last ten years, research undertaken has revealed the sections of society most at risk of rising insurance premiums, should this new test become compulsory. Women living with the stress of taking care of a sick child have shorter telomeres, leading to theories that stress-reduction techniques could lengthen telomeres and subsequently life spans as well. A study of Scottish men in 2007 revealed that those with shorter telomeres are twice as likely to develop heart disease as those with shorter ones, and two years later short telomeres were linked with inherited bone marrow disease. In a more detailed case, civil servants in the UK with fewer educational qualifications are likely to live shorter lives than their counterparts with a higher education qualification. Perhaps it’s no surprise that this means people from poorer backgrounds are pre-disposed to age faster and suffer from more age-related illnesses than those in more affluent lifestyles Find the best life insurance quotes through online source.