It is important to note that some medical conditions are hereditary.
The Underwriting Guide requires this information to
- To Check for any hereditary disorders in the family
- To Check for any early death among Parents and Siblings and the cause of death
- To Conduct medical tests to determine if the Proposed Life is at risk of the hereditary disorder
The underwriter will Use the rating guide provided to determine extra mortality loadings for family history/ the correct premium to charge.