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Life Insurance for People With Family History Issues
Family history health issues can prevent people in otherwise excellent health from qualifying for the lowest life insurance rates. Every competitive life insurance company takes family history into consideration when determining the rate class for which you’ll qualify.
The best insurance companies for family history issues only consider heart or cardiovascular disease in your parents when determining your rate.
The worst insurance companies for family history consider heart disease, cancer, diabetes and stroke in your parents and
siblings when determining your rate.
The age when your family members were diagnosed with the above diseases is also a major consideration for insurance companies. Some companies are only concerned with family history issues before the family member’s age 60. Others are concerned up to age 65 and at least one competitive insurance company is concerned with family history up to age 70.
The better insurance companies for family history are only concerned with family member deaths before a certain age. Other companies care about the age of diagnosis of the disease, even if the family member is still living.
We have been able to get exceptions on family history issues when the person applying has had tests that rule out any traces of the familial disease. For example, if your father died of a heart attack in his 40’s and you are over age 40 when applying for insurance and have had full cardiology work up (stress test, thallium stress, etc) that rules out heart disease, you may be able to qualify for the lowest rate class with some insurance companies.
If you’re older than 65 or 70, a few insurance companies will not take family history into consideration when determining the rate fro which you’ll qualify.
Run a quote request on the upper right of this page and we’ll start the process of determining the best case rates available to you no matter what your family history issue may be.
