Family history of cancer indicates cancer diagnoses among first-degree relatives that inform underwriting. Early-onset or hereditary patterns (e.g., breast, colon) increase perceived risk, prompting carriers to tighten classes or request additional screenings. Advisors gather details-relative, age at diagnosis, type, outcomes-to present a complete picture. Favorable personal screenings and preventive care can support better offers.

Producers ask about specific cancers and ages at diagnosis for parents and siblings. They encourage up-to-date screenings and physician letters confirming normal results. Underwriters weigh early-onset cancers more heavily; strong personal prevention can mitigate caps. Clear documentation avoids surprises late in underwriting.