Protecting people with mutated SerpinA1 genes

Written by Mark Egly

September 1, 2022

To protect anyone with a Serpina1 gene with any allele type from any insurance underwriting discrimination, considered by any medical standard to have Alpha1 Antitrypsin Deficiency in the insurance underwriting process.

  • A person with any allele that is not an M does not mean in any way, shape, and form that they have a disease! Therefore, not to be discriminated against during the underwriting process in any way!
  • To allow those with Alpha1 Antitrypsin Deficiency to avoid disclosing this private genetic information from any insurance application!
  • To allow individuals to protect themselves from questions or blood tests for this gene and allele without fear of this information being wrongfully used against them, avoiding discrimination in any form or fashion from insurance companies!
  • At the time of Mark Egly's Patent Pending Application with the US Patent Office, approximately only 8000 individuals had ever been found or identified with Alpha1 Antitrypsin Deficiency.
  • The insurance industry has not asked for any information regarding Alpha1 Antitrypsin Deficiency or the Serpina1 gene, nor have they utilized a blood test in their applications for insurance applicants in the past underwriting process for any insurance product.
  • Mark Egly saw fit to patent the questions and application process regarding acquiring insurance for individuals with or without Alpha1 Antitrypsin Deficiency and control what and who can ask these questions. This action will prevent insurance questions from taking advantage of Alphas in pursuing all types of insurance.
  • Alpha1 Antitrypsin Deficiencent individuals may have a different allele, but that does not mean they have an illness or disease; therefore, we sought to protect Alphas from insurance underwriting discrimination!
  • Insurance companies actuaries have already figured out their past premium insurance rates without knowing Alpha1 Antitrypsin Deficiency existed. Why should they now ask questions about our medical discoveries with potential insureds that they do not financially deserve to benefit from and hurt our group of individuals having Alpha1 Antitrypsin Deficiency or just a unique allele of the Serpina1 gene?
To allow insurance companies our patent pending methods, only after policies have been issued, accepted, and delivered, with policies that are entirely in force, to start communicating with their new and old policyholders regarding the potential life-extending, improved quality of life possibilities. This communication can be done only with our permission to protect our fellow Alphas from discrimination fully!
  • My classmate Earvin "Magic" Johnson discovered he had HIV through a life insurance examination. Earvin was probably denied coverage for the insurance he applied for, and I have not asked him.
  • After a policy is in force, may an insurance company have the right to communicate with a policyholder regarding investigating Alph1 Antitrypsin Deficiency, and under only our strict guidelines.
  • By contacting the insured, the insured may decide to take a test for Alpha1 Antitrypsin levels or find what their Serpina1 gene status or allele situation is.
  • Our patent-pending application program would allow insurance companies to send advisement to test for Alpha 1 or even send free testing to their insureds, as long as the insurance company is not allowed access to the genetic results in any manner!
Why would this be of interest to the insurance company?
  • There is currently an estimated $76 Trillion of life insurance in force, plus many other types of policies.
  • Life expectancy is only a 15% chance of living to 60 years of age, undiagnosed with Alpha1 Antitrypsin Deficiency.
  • It is in the insured's interest to have the opportunity to live a longer, healthier life!
  • It is in the insurance company's interest to keep their insureds living longer! Having the insureds pay insurance premiums for decades longer to the insurance company versus paying out large death payouts, disability claims, long-term care benefits, and more is in everyone involved best interests!