life insurance quotes

Life Insurance Quotes

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Family History

Family history of cancer and heart disease is considered by almost all companies in determining your underwriting category. A few companies will consider other diseases, such as stroke or diabetes.

Death of a parent before age 60 is a common benchmark for downgrading your underwriting category. For the most preferred category, most companies will not even allow an occurrence before age 60.

Underwriting Example
The chart at the right shows how one company treats family history in determining your life insurance premium. This factor is treated quite differently by companies, so you should shop around.

Family History
Category Maximum
Pref. Plus No family member with heart disease, cancer, or diabetes
before age 60.
Preferred No two family members with heart disease, cancer, or diabetes
before age 60.
Std. Plus No two family members died from heart disease, cancer, or diabetes
before age 60.
Standard No two family members died from heart disease, cancer, or diabetes
before age 60.


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Today is November 21, 2017. Thanks for visiting.