Quick Answer: Yes—especially now. If you’ve submitted your DNA to 23andMe, recent events like bankruptcy, data breaches, and changes in ownership could put your personal genetic data at risk. This could potentially impact your ability to qualify for life insurance or raise your rates in the future. That’s why LifeStein.com is helping people get covered now—before their data becomes a problem. Call us at (601)-218-7854, or get covered instantly with no medical exam.
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Can 23andMe Affect Me Getting Life Insurance? (Here’s What You Need to Know)
Millions of people use 23andMe to learn about their ancestry, health traits, and genetic predispositions. But few considered what might happen if that data fell into the wrong hands. Unfortunately, it has. The once high-flying DNA company suffered a massive data breach in 2023, exposing information from nearly 7 million accounts. Now, 23andMe has entered Chapter 11 bankruptcy and is looking for a buyer—meaning your genetic data may be treated as a corporate asset. If you're wondering whether this affects your ability to get life insurance, the answer is yes. While laws like HIPAA protect patients, 23andMe customers aren’t considered patients—they’re consumers. And consumer data is fair game in a corporate transaction.
Why Genetic Data Could Be a Liability in the Life Insurance Process
Life insurance companies look at one thing above all else: risk. If your data suggests a genetic predisposition to high-risk conditions like cancer, Alzheimer’s, or heart disease—even if you don’t have symptoms—it could become a factor in how you're underwritten. While insurers don’t currently require DNA test results, data leaks or acquisitions could expose your profile to third parties. Combine that with the fact that life, disability, and long-term care insurance are not protected under the Genetic Information Nondiscrimination Act (GINA), and you’re suddenly at risk for denial of coverage, higher premiums, or permanent flags on your application record. This is especially critical for individuals already facing hurdles, such as nicotine users, vapers, or weed users. If you fall into one of these groups, we’ve created specific solutions just for you:
The Legal Gray Area Around Genetic Privacy
While federal privacy laws are lagging, some states—like California and Illinois—have stronger protections that allow you to delete your DNA data. But these laws only help if you act quickly. Even 23andMe acknowledges in their bankruptcy FAQ that customer data “may be sold or transferred” during the process. Their privacy statement reads: “If we are involved in a bankruptcy, merger, acquisition, reorganization, or sale of assets, your personal information may be accessed, sold, or transferred as part of that transaction.” Once that happens, the new owner could potentially change the terms of the privacy policy—with or without your knowledge. Bottom line? You can’t un-share your DNA. You can only act before it becomes an issue.
How to Delete Your Data from 23andMe
If you’re one of the millions with a 23andMe account, here’s how to take back control:
Log in to your 23andMe account
Click on your Profile and go to Settings
Scroll to the “23andMe Data” section
Click “View” to see your data and download it if desired
Scroll to the “Permanently Delete Data” section and click
Check your email and confirm the deletion linkEven after deletion, 23andMe may retain your birthdate, sex, or other identifiers for legal compliance—but this step reduces the overall risk substantially.
Lock In Life Insurance Now—Before It’s Too Late
What you do today matters more than ever. You still have the chance to lock in affordable, long-term life insurance coverage based on your current health—not your future data. At LifeStein.com, we help people apply and get approved before red flags show up. We also offer specific options to match your goals: Apply for Term Life Insurance if you want maximum coverage at the lowest cost, Apply for Whole Life Insurance to build cash value and lock in lifelong protection, and Apply for Instant Life Insurance with No Medical Exam if you want speed, privacy, and simplicity. If you're a nicotine user—whether it's vape, dip, Zyn, On!, or even a nicotine patch—visit our Nicotine User Life Insurance Hub for expert help.
23andMe’s Collapse: Why This Isn’t Just a Tech Story
23andMe's downfall isn't just about business missteps—it’s a cautionary tale. Customers gave up irreplaceable data with the promise of insight, privacy, and security. Now, with a buyer on the horizon and lawsuits piling up, the reality is far messier. Genetic information is one of the most sensitive pieces of data a person can share. It can reveal not only your ancestry and health risks but also expose family secrets, unknown relatives, or disease predispositions. That data is now part of a fire sale. A new owner—possibly outside the U.S.—may treat this genetic treasure trove as an asset to monetize. And the laws haven’t caught up.
LifeStein.com: Your Partner in Privacy-Focused Coverage
At LifeStein, we take your privacy and protection seriously. We’ve already helped individuals who used 23andMe (and similar services) secure coverage quickly—with no genetic data disclosure required. We work with all the top-rated life insurance companies in the U.S., including Legal & General, Banner Life, Protective, Symetra, Pacific Life, Corebridge, Penn Mutual, Transamerica, Principal, Thrivent, Securian, Cincinnati Life, Nationwide, Mutual of Omaha, Lincoln Financial, AuguStar, Ethos, New York Life, and more. We don’t just write policies—we listen to your story and find the best fit for your health, lifestyle, and future. And we do it fast.
Final Thoughts: Can 23andMe Affect Me Getting Life Insurance?
Yes—and that risk increases every day your data is exposed. Between the breach, the bankruptcy, and the sale of the company, your DNA could become part of a database you didn’t sign up for. Life insurance companies may not be using genetic data to underwrite policies today, but that could change—and once your data is out there, you can’t take it back. The smartest move you can make is to secure coverage now while you still control the narrative. Let us help you do that today.
Get Covered Now—Before Your DNA Becomes a Liability
Call Matt Mims directly at (601)-218-7854. Visit LifeStein.com. Email us at info@lifestein.com.
We see what’s happening.
We know you’re concerned.
Let’s protect your future—on your terms.
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