1. INTRODUCTION
Each of the papers in this symposium addresses prob- lems that the new genetic technology may bring to the insurance industry. On one hand, the science could change the way we do business, while on the other, it could engender such fear in the consumer that legislators might change the way we do business. Genetic technology does not bring new risks or new diseases into the assessment process, but it does offer the possibility of clearer definitions of diseases and, thus, perhaps better estimates of specific risks. Today genetic testing is at the dawn of its existence as an underwriting tool. Tomorrow—or in a few tomor- rows—it may be the standard by which we practice, altering not only diagnostics but also treatment, and this could clearly have an impact on risk assessment. Many have wrestled with the means to control the technology before it causes harm, although the evi- dence for such harm is still difficult to find.