How Does Family History Affect Life Insurance?

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    Peggy Mace
    Most of the U.S.
    Different life insurance companies and products weigh family history differently in its affect on life insurance premiums. Some companies only look at the family history of the applicant's parents, while others look at parents and siblings. Some restrict their questions to heart disease and maybe cancer; others include many other diseases when asking about family history. When there is a family history of th condition before the age of 60 or 65, some companies will penalize the policy rating more than others. It also makes a difference whether more than one family member was affected, and if the condition caused death at a young age.
    Answered on May 5, 2013
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