Does family medical history affect my life insurance?
It can. Insurers often ask whether close relatives, usually parents and siblings, were diagnosed with certain conditions, such as heart disease or some cancers, before a particular age. A relevant family history may lead to a higher premium or exclusion, particularly for critical illness cover. Many people are unaffected.
Answer as best you can
If you are unsure, say so. Insurers understand you may not know every detail.
Genetic tests
Under the UK Code on Genetic Testing and Insurance, insurers do not generally ask for predictive genetic test results, with limited exceptions.
Compare insurers
Different insurers treat family history differently.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026