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Why is my medical history relevant to my application?

This is what we typically call "underwriting": we ask you some medical questions so that we can determine a few things. 

We firstly need to know if we can actually offer you insurance, then we work out which types of insurance we can offer you, and finally what the price of the insurance will be.

Why is my family's medical history relevant to my application?

Family history is a good predictor of potential claims and influences the products we can offer you, and the price of those benefits.

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