A hereditary condition is a disease or predisposition transmitted genetically, such as BRCA-related cancers, familial hypercholesterolemia, or hypertrophic cardiomyopathy. Not every family history is hereditary, but inherited patterns affect risk. Underwriting considers age at onset in relatives,genetic counseling, and personal screening results; laws may limit the use of genetic test results.Proactive management and negative screenings can mitigate but not eliminate adverse impact on class offers.

Advisors collect detailed family histories and encourage appropriate screenings. They explain how family history affects preferred criteria and why strong prevention can still improve offers despite inherited risk.