Relating to insurance; modifying certain provisions under the genetic discrimination act; expanding the definition of genetic test and defining insurer; restricting the use of individual or relative genetic tests in underwriting decisions relating to the offer, sale, issuance or renewal of life, disability income or long term care insurance; authorizing insurers to offer individuals the opportunity to take a genetic test to determine the existence of a genetic disease, disorder or tendency under certain adverse underwriting decision conditions, requiring cost payment by the insurer; violation of the restrictions to be an unfair method of competition or an unfair or deceptive act or practice (mk)