Try to imagine a world in which you plan your health the way you now plan your finances, a truly cradle-to-grave approach that detects and counters the risk of disease.

Now imagine paying huge sums or being turned down for life insurance and health coverage by companies that deem you too high a risk — even though you feel fit as a fiddle.

Those are the opposing visions of genetic testing that are gradually emerging as the technology spawned by a deepening understanding of the human gene pool moves out of the laboratory and into everyday life.