Frequently Asked Questions

Very often the answer is yes and you may be able to get your life insurance at a standard or better rate class. When assessing coronary artery disease, or CAD, and heart attack history the life underwriter will assess the severity of the disease using various factors.

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The answer is highly dependent on a number of factors such as the stage of the cancer, the size and the time since successful treatment.
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There is a major trend for Life Insurance Companies to consider "family medical history" when deciding what rate class an applicant should be offered. Currently they look at the family history of immediate family members. Immediate family members mean parents and siblings. While this may make sense from a statistical standpoint environmental factors play a major role in many diseases. In many cases a healthy person who has a family member with diabetes, coronary artery disease, stroke or cancer will be charged more than double for life insurance.
Click here for our full article on how Family History affects your Life Insurance rates.