For family history we only consider first degree relatives i.e. parents and siblings. It is important to note however that underwriting, under the Disability Act 2005, cannot take a genetic test result into consideration, either positive or negative.

Quick Jump:

• Family History of Alzheimer's disease
• Family History of history breast cancer
• Family History of colon cancer
• Family History of familial adenomatous polyposis (FAP)
• Family History of ovarian cancer
• Family History of cardiovascular disease
• Family History of Huntington's disease
• Family History of hypertrophic cardiomyopathy (HOCM)
• Family History of motor neurone disease
• Family History of multiple sclerosis
• Family History of Parkinson's disease
• Family History of polycystic kidney disease

Family history of Alzheimer's disease

Likely Underwriting Acceptance

Number of family members	Age of Applicant	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
One or more	under 60 years	50 - 100%	Exclude	Exclude	Exclude
One or more	over 60 years	Normal Rates	Normal Rates	Normal Rates	Normal Rates

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting

  Back to top

Family History of Breast Cancer

Likely Underwriting Acceptance:

Female Applicant:

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
One first degree relative under 40 years of age	Normal Rates	Exclude Breast Cancer	Normal Rates	Exclude Breast Cancer
One first degree relative diagnosed under 50 years of age	Normal Rates	50%	Normal Rates	Normal Rates
One first degree relative diagnosed over 50 years of age	Normal Rates	Normal Rates	Normal Rates	Normal Rates
Two first degree relatives	50%	Exclude Breast Cancer	50%	Normal Rates
Three first degree relatives	Refer to underwriting

Male Applicant:

Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Normal Rates	Normal Rates	Normal Rates	Normal Rates

Please note for lives with 2 or more family members diagnosed with breast cancer, we will require a PMA report from your clients GP

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.

  Back to top

Family History of Colon Cancer

Likely Acceptance terms

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
One Family Member	Normal Rates	Normal Rates	Normal Rates	Normal Rates
Two or more family members affected , applicant under aged 50	Normal Rates	50%	50%	Normal Rates
Two or more family members affected applicant over aged 50	Normal Rates	Normal Rates	Normal Rates	Normal Rates

Please note for lives with 2 or more family members diagnosed with colon cancer, we will require a PMA report from your clients GP

Please note for lives where there is a family history of colon cancer diagnosed before age 40, a Colon Cancer Exclusion may apply in respect of Specified Illness Cover.

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting

  Back to top

Family history of Familial Adenomatous Polyposis

Likely Underwriting Acceptance

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Applicant aged 40 and under	Normal Rates	Exclude	Normal Rates	Normal Rates
Applicant aged 41 and over	Normal Rates	Normal Rates	Normal Rates	Normal Rates

The terms above assume the applicant has regular follow ups and there is no polyps present. We will require a PMA report from your clients GP .

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting

  Back to top

Family History of Ovarian Cancer

Likely Underwriting Acceptance

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
One first degree relative	Normal Rates	50% / Exclusion	Normal Rates	Normal Rates
Two or more first degree relatives	Normal Rates	50% / Exclusion	Normal Rates	Normal Rates

For lives with 2 or more family members diagnosed with breast and/or ovarian cancer, we will require a PMA report from your clients GP.

Please note for lives with a family history of breast and/or ovarian cancer diagnosed before age 40, a Breast & Ovarian Cancer Exclusion may apply

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.

  Back to top

Family History of Cardiovascular Disease

Likely Accpetance Terms

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
One family history of heart disease, assuming client has no other risk factors present	Normal Rates	Normal Rates	Normal Rates	Normal Rates
One family history of heart disease aged under 40 or two or more family histories of heart disease.	Independent medical evidence will be required. Terms will depend on the ages of affected family members. Please discuss with underwriting.

The terms below are indicative only, they are subject to full underwriting and assume no other risk factors are present including Smoking, Blood Pressure, Cholesterol, Overweight
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.

  Back to top

Family History of Huntington's Disease

Likely Underwriting Acceptance

Age of Applicant	Policy Term	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Under 35	Under 10 years	150%	Declined	Declined	Declined
	Over 10 years	250%	Declined	Declined	Declined
36 - 45	Under 10 years	75%	Declined	Declined	Declined
	Over 10 years	150%	Declined	Declined	Declined
46 - 50	Under 10 years	50%	Declined	Declined	Declined
	Over 10 years	75%	Declined	Declined	Declined
Over 50	Under 10 years	Normal rates	Refer to Underwriting	Declined	Declined
	Over 10 years	Normal Rates	Refer to Underwriting	Declined	Declined

For specified illness cover, cover will generally be declined for lives under the age of 50. Some terms may be available for applicants aged over 51 years.

Please note an independent medical exam will be required. Where there is evidence of neurological disease on exam, terms will be declined - the ratings above assume no evidence of neurological disease on exam.

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting

  Back to top

Family History of hypertrophic cardiomyopathy (HOCM)

Likely Underwriting Acceptance

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Applicant under 30 years of age	100%	Exclude Hypertrophic Cardiomyopathy	100%	100%
Applicant aged 30 - 39	50%	Exclude Hypertrophic Cardiomyopathy	50%	Normal Rates
Applicant aged 40 years and older	Normal Rates	Normal Rates	Normal Rates	Normal Rates

The ratings above assume the applicant had a normal echocardiogram within the proceeding five years for life cover or two years for Bill cover, Specified Illness and Income Protection.

For lives with a family history of HOCM, we will require results of an up to date cardiology assessment including results of an echocardiogram.

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.

  Back to top

Family History of Motor Neurone Disease (MND)

Likely Underwriting Acceptance

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Applicant under 60, one family member	100%	Exclude Motor Neurone Disease	Exclude Motor Neurone Disease	Exclude Motor Neurone Disease
Applicant aged over 60	Normal Rates	Normal Rates	Normal Rates	Normal Rates

Please note an independent medical exam will be required.

Where there is evidence of neurological disease on exam, terms will be declined - the ratings above assume no evidence of neurological disease on exam.

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.

  Back to top

Family History of Multiple Sclerosis

Likely Underwriting Acceptance

One Family Member:

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Applicant under 50	Normal Rates	Exclude Multiple Sclerosis	Exclude Multiple Sclerosis	Exclude Multiple Sclerosis
Applicant aged 50 - 55	Normal Rates	50%	50%	Normal Rates
Applicant aged 56 - 60	Normal Rates	Normal Rates	Normal Rates	Normal Rates

Two Family Members:

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Applicant under 50	Normal Rates	Exclude Multiple Sclerosis	Exclude Multiple Sclerosis	Exclude Multiple Sclerosis
Applicant aged 50 - 55	Normal Rates	75%	75%	Normal Rates
Applicant aged 56 - 60	Normal Rates	50%	Normal Rates	Normal Rates

For lives with two or more family members diagnosed with MS, we may require a PMA report from your client's GP.

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.

  Back to top

Family History of Parkinson's Disease

Likely Underwriting Acceptance

One Family Member:

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Aged Under 50	Normal Rates	Exclude Parkinson's Disease	Exclude Parkinson's Disease	Exclude Parkinson's Disease
Aged Over 50	Normal Rates	Normal Rates	Normal Rates	Normal Rates

Two family Members:

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Aged Under 60	Normal Rates	Exclude Parkinson's Disease	Exclude Parkinson's Disease	Exclude Parkinson's Disease
Aged Over 60	Normal Rates	Normal Rates	Normal Rates	Normal Rates

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.

  Back to top

Family History of Polycystic Kidney Disease (PKD)

Likely Underwriting Acceptance

Fully investigated with a normal renal ultrasound, renal function , blood pressure and urinalysis

Age of applicant	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Under age 20	+100%	Postpone	Postpone	Postpone
Age 20 - 30	+50%	Postpone	Postpone	Postpone
Age 31 - 39	Normal Rates	100%	100%	100%
Age 40 - 49	Normal Rates	50%	50%	50%
Age Over 50	Normal Rates	Normal Rates	Normal Rates	Normal Rates

Where no investigations such as a renal ultrasound have been carried out, terms will be postponed until such results are available.

More favorable terms may be available where investigations have been carried out after age 30.

Please note we will require up to date medical evidence -please contact our Underwriting Team to discuss lives with this family history.

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.   Back to top