Neka Is Part Native American

Neka is part Native American.He has several relatives who have alcoholism.Neka takes a direct-to-consumer genetic test panel and discovers that he has inherited gene variants that are associated with increased risk of alcoholism.He reports these facts during an interview for purchasing a life insurance policy,because he thinks that the Genetic Information Nondiscrimination Act will protect him from being denied life insurance based on results of a genetic test.Alas,Neka is denied coverage,because

A) the law does not protect Native Americans.
B) the law does not protect people of mixed lineage.
C) the law only applies to health insurance and employers, not life insurance.
D) the law does not apply to direct-to-consumer tests.
E) GINA does not take effect until 2014.