The cost of adverse selection in the life and critical illness (CI) insurance markets, brought about by restrictions on insurers use of genetic test information, has been studied or a variety of rare single-gene disorders (adult polycystic kidney disease, colorectal cancer, Huntingtons disease and early-onset Alzheimers disease). Breast cancer (BC) has been the subject of several studies, since mutations in the BRCA1 and BRCA2 genes confer very high risk of the disease.