There's a strong family history of cancer (parent, sibling, multiple relatives) but you've never had it yourself. Underwriting may ask about genetic testing and family-cancer-syndrome screening; guaranteed-acceptance products don't. Decide based on your own diagnostic history, not your family’s.
Who this scenario fits
- No personal cancer history but strong family history (parent, sibling)
- Concerned underwriting will rate you up
- Comparing underwritten vs guaranteed-acceptance
What to look for
- Underwritten products — disclose family history accurately; most won't rate you up on family history alone
- Guaranteed-acceptance products — no questions about family history
- Genetic-testing exclusions (some products exclude paying out for cancers identified via predictive genetic testing)
- Standard waiting-period and Accelerated Funeral Benefit terms
Watch out for
- If you've had genetic testing done (e.g. BRCA1/2), disclose accurately — non-disclosure voids the policy
- A few products carve out family-cancer-syndrome screening as an exclusion; check the wording
- Family history alone is unlikely to result in decline on an underwritten product — don't assume guaranteed-acceptance is the only path
Products to consider
Editorial selection based on product structure (not subjective ranking). Quote with each insurer for premiums applicable to your age and cover amount.
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Editorial only — not personalised financial advice. Operated by Evolve Group Limited (FSP711891), a Financial Advice Provider licensed by the FMA.