Learn how your family’s health affects your insurance rates.

When you apply for life insurance, there is a good chance that you will be asked about your family’s medical history.  Many people are concerned about how their answers will affect their life insurance premiums, but you shouldn’t be worried.  In most cases, your family medical history has little influence over your insurance rates.  So then why is your insurer asking?  Here’s why your life insurance agent asks about the state of your family members’ health.


One reason that your life insurance agent asks about your family is so they can get a better idea about your longevity.  For instance, if your grandparents lived into their 90s and your parents are still extremely active, then your insurer will consider you more likely to have a long life.

Genetic Conditions

Your insurer will also ask about any hereditary conditions that your parents or close family members have.  This is to establish how likely you are to develop the same medical conditions.  Oftentimes if you report genetic health conditions in your family, you will be asked to answer follow up questions so your insurer can gain a better understanding of your medical risk.

Remember, Your Health Takes Precedence

Even if your family is not in good health, don’t be nervous about reporting this to your insurer.  Ultimately, your health, age, and lifestyle are still the main things that will determine your life insurance rates.  When asked about your family’s health history, make sure that you are honest and answer to the best of your ability.  Attempting to conceal the truth or straight out lying to your insurer will only result in the denial of your application.

This is how your family’s medical history will affect your life insurance rates.  Do you need help securing the right life insurance to meet your needs and your budget?  If so, then contact the experts at Randy Jones Insurance Services in Pleasanton, California.  Our dedicated team is eager to assist you with all your coverage needs today.