Family history of heart disease captures premature coronary or sudden-death events among first-degree relatives. Underwriters consider ages at occurrence, treatment history, and the applicant's own risk factors-lipids, BP, BMI, tobacco. Robust personal prevention-normal calcium scores, controlled lipids, clean stress tests-can offset some concern, but strong familial patterns may cap the best available class.

Field underwriters gather lipid panels, blood pressure logs, and recent cardiac testing for applicants with premature family heart disease. They counsel smoking cessation and statin adherence. Some advisors time applications after favorable tests, such as a low calcium score, to support better offers.