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Help Centre»»Does my family history affect my life insurance?

Does my family history affect my life insurance?

Yes, your family medical history can affect your life insurance application.

If you have any direct family members who were diagnosed with cancer or heart disease before the age of 60, this could indicate a hereditary trait and therefore you will be seen as a higher risk by many insurers.

There are various other conditions that insurers will ask about when considering your family history, so it is best to be prepared to answer these questions when applying for life insurance.

If you potentially have a negative hereditary trait then this does not automatically disqualify you from getting life insurance, but your premium prices may be affected.

It is always important to disclose all known medical information at time of application, as withholding any information or knowledge could lead to any claim being invalid.  

All help centre articles are designed to help give generic information to UK consumers. Protect Line operates on a non-advised basis, so no help centre article should be considered as advice or an indication of the terms and conditions of your policy. Insurers also update their terms and conditions from time to time and while Protect Line endeavours to keep all information up to date, there is a chance the information on these pages may become outdated. All information is correct at the time of publication. To ensure you fully understand the terms and conditions of your policy please read all your documents and contact us for clarification if there is something you do not understand.

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