[dekhn]

No, my health insurance company doesn't care about my whole genome data. Health Insurance companies are already quite skilled at (and profitable due to) their ability to model life expectancy and health issues without genomic data, and they are legally prohibited from using this data, in my country anyway. Life insurance is different (they are allowed to incorporate much more information) but I've never been asked for anything like that.

As for the case where nothing actionable is found- it's not benign. It's absence of information, not information of absence.