Does Family History Affect Life Insurance? 
Some life insurance companies consider the health history of parents and siblings for the Preferred or better ratings , while others only look at parents . Some look at diabetes , cancer , heart disease , and other conditions . Others only look at heart disease . One ore more relatives passing from one of the considered conditions before a certain age -LRB- usually 60 or 65 -RRB- will usually have more an impact than one or more of the relatives having that condition but surviving beyond age 60 or 65 . Some will disregard family history if the applicant has outlived the parent who passed from that condition . 