Why We Exist

To Safeguard 340 million American Lives


Take Action
Trending
September 1, 2022

Why We Exist

Protecting Your Health, Insurance, and Financial Stability while Helping Insurers Serve with Excellence.

Every person carries the SerpinA1 gene, which has hundreds of possible allele variations. Some of these alleles have historically been linked to Alpha-1 Antitrypsin Deficiency (AATD), a rare and often misunderstood condition. At the time of our patent filing, only about 8,000 individuals worldwide had been identified with AATD, and the insurance industry was largely unaware of its existence.

Importantly, having a SerpinA1 allele that is not “M” does not mean a person has a disease. Yet without our safeguards, individuals risk discrimination in the insurance underwriting process.

Our Mission
  • Protect privacy: Ensure applicants are never required to disclose genetic information about SerpinA1 or Alpha-1 Antitrypsin Deficiency during insurance applications or medical exams.
  • Prevent discrimination: Stop insurers from misusing genetic data to deny coverage or raise premiums.
  • Empower individuals: Give people confidence to apply for all lines of insurance without fear of bias.
Our Patent

Our founder, Mark Egly, secured a U.S. patent covering the insurance application process for individuals with or without Alpha-1 Antitrypsin Deficiency. This patent:

  • Defines what information insurers can and cannot request.
  • Blocks potentially discriminatory questions about genetic status.
  • Protects applicants from fraud and unfair underwriting practices.
Why It Matters
  • For individuals: Having a unique SerpinA1 allele does not equal illness. Our protections ensure fair access to insurance.
  • For insurers: Actuaries have long calculated premiums without factoring in AATD. Our patented methods allow insurers to engage policyholders only after coverage is in force—sharing educational resources and even offering free testing, without ever accessing genetic results.
  • For society: With proper care, individuals with AATD can live longer, healthier lives. This benefits families, communities, and insurers alike.
The Bigger Picture
  • There is an estimated $80 trillion of life insurance in force today, plus countless other policies.
  • According to the American Thoracic Society, undiagnosed severe AATD can reduce life expectancy dramatically. With awareness and care, longevity can improve significantly.
  • Longer, healthier lives mean insureds continue paying premiums for decades, while insurers avoid premature death claims and costly benefits.
Our Commitment

Our patent safeguards the health, privacy, and financial well-being of 340 million Americans. It ensures that insurers and individuals alike act in their best interests—building a system that values fairness, longevity, and improved quality of life.


Tags:
Insurance SerpinA1