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Insurance; Revising restrictions on the use of genetic information for insurance purposes by life insurers and long-term care insurers; specifying a restriction on and an authorized use of genetic information for insurance purposes by disability income insurers; providing that certain restrictions against unfair discrimination or unlawful rebates do not include value-added products or services offered or provided by insurers or their agents if certain conditions are met; providing requirements for and restrictions on insurers or agents offering or providing such products or services, etc.