I was in almost the identical boat but I pulled the trigger on looking at the test results, ended up fine. Better to know and try to manage it I think.
There's also the angle that if I want to buy life insurance I may be better off not knowing.
After seeing how it's affecting my dad, I know how I'd "manage" it. It really is awful and decades of mental decline coupled with terrifying hallucinations is not something I'm willing to endure.
I think it’s moot because life insurance will check your genes as part of underwriting.
In the US genes can’t be used to discriminate for employment or healthcare [0], but can for everything else.
I got a quote for term insurance in 2008 and they tested for lots of genetic conditions.
You can probably get by if you have unique, rare mutations that aren’t commonly studied. But anything basic enough to be found in a 23andme profile is likely to be checked by your insurance.