A family history of disease or death, especially occurring at a young age, may imply that you are also at increased risk for the same or related illness.Most diseases have some genetic component but environmental and lifestyle factors also play an important part.A family history of any of the following in a first-degree relative is considered relevant when assessing insurance applications:Heart disease or heart attackHypertrophic Cardiomyopathy (HOCM)StrokeDiabetesPolycystic Kidney DiseaseBreast cancerOvarian cancerColon cancerMultiple sclerosisMotor neurone diseasePolycystic kidneysPolyposis of the colonHuntington’s diseaseThe possibility of cover depends on the nature of the family history, your current age and gender, the number of first degree relatives affected by the condition, the age your family member was when diagnosed, and other associated health issues that you suffer with.The underwriters will make one of four decisions after reviewing your medical evidence.