Genetic testing and life insurance: what changes on 8 October 2026

From 8 October 2026 life insurers can’t ask for or use genetic test results. What’s protected, where family history still counts, and whether you must disclose.
How much life insurance do I need? Five illustrative scenarios

There is no single right amount. Five illustrative scenarios (not real clients, not personal advice) show how debts, dependants and super cover change it.