Yes, all insurance providers follow a different set of underwriting guidelines.For instance, some insurers are only interested in health issues that occurred before age 50, others look at family history right up at age 65.This means if your mum got breast cancer at age 51, some insurers will ignore this fact, others may apply an exclusion to your policy.Be careful which insurer you apply to. Always apply to the one who has the most sympathetic underwriting criteria for your family history.