Lee J. Slavutin, MD, CLU, principal of Stern Slavutin-2 Inc., an insurance and estate-planning firm in New York City. SternSlavutin.com
If you expect to apply for life insurance, disability insurance or long-term-care insurance, think twice about getting a DNA test.
If a life insurance company mistakenly believes you have a health issue that could reduce your life expectancy, it might push up your premiums by 30%.
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Many types of loans are difficult to obtain in these credit-crunch times. However, you might get needed cash by borrowing…