Wellness and technology, the quantified self movement

From cliveo's Twitter regarding 23andme:

This is a huge ethical issue being debated. Insurance requires fortuity. Such tests could remove that.

Issue is that if it is known that you have high chance of early fatality no insurer will cover you.

If you know and don't reveal, insurer could possibly claim fraud and avoid cover after death.

As in, if 23andme were to tell you that you had a much higher risk of a heart condition, and later you did not disclose the knowledge of this risk to an insurer, that the insurer would use that against you to get out of the contract.