Skip to Content

AIG Direct
Call Now
  • REQUEST A QUOTE
  • LIFE INSURANCE PRODUCTS
    • Term Life Insurance
    • Quality of Life
    • Permanent Life Insurance
    • Universal Life Insurance
    • Whole Life Insurance
    • Guaranteed Issue Whole Life Insurance
    • Self-Fulfilling Life Insurance
    • Final Expense Insurance
    • Other Insurance Products
    • Accidental Death Insurance
  • LIFE INSURANCE BASICS
    • Life Insurance
    • Choosing a Life Insurance Policy
    • Which Type of Life Insurance Policy Do I Need
    • What to Expect When You Apply for Life Insurance
    • Life Insurance Medical Exam
    • Managing Your Life Insurance Policy
    • Term Life Insurance Calculator
    • Life Insurance Terminology
    • How to Buy Life Insurance
    • Life Insurance Quotes Online
    • Affordable Term Life Insurance
    • Benefits of Life Insurance
    • Life Insurance Rates
    • Is Life Insurance Worth It
    • Supplemental Term Life Insurance
    • Million Dollar Life Insurance
    • Who Needs Life Insurance
    • Life Insurance Planning
  • ABOUT LIFE
    • Why Life Insurance
    • Planning for Life Insurance
    • Applying for Life Insurance
    • Managing Your Policy
  • SCHOLARSHIP PROGRAM
  • ABOUT US
    • About Us
    • Customer Reviews
    • Why AIG Direct
    • Our History
    • AIG
    • Contact Us
    • Careers
AIG Direct
Quote Hotline

800-294-4544 800-294-4544

Quote Hotline 800-294-4544 800-294-4544

  • LIFE INSURANCE PRODUCTS
    • Term Life Insurance
    • Quality of Life
    • Permanent Life Insurance
    • Universal Life Insurance
    • Whole Life Insurance
    • Guaranteed Issue Whole Life Insurance
    • Self-Fulfilling Life Insurance
    • Final Expense Insurance
    • Other Insurance Products
    • Accidental Death Insurance
  • LIFE INSURANCE BASICS
    • Life Insurance
    • Choosing a Life Insurance Policy
    • Which Type of Life Insurance Policy Do I Need
    • What to Expect When You Apply for Life Insurance
    • Life Insurance Medical Exam
    • Managing Your Life Insurance Policy
    • Term Life Insurance Calculator
    • Life Insurance Terminology
    • How to Buy Life Insurance
    • Life Insurance Quotes Online
    • Affordable Term Life Insurance
    • Benefits of Life Insurance
    • Life Insurance Rates
    • Is Life Insurance Worth It
    • Supplemental Term Life Insurance
    • Million Dollar Life Insurance
    • Who Needs Life Insurance
    • Life Insurance Planning
  • ABOUT LIFE
    • Why Life Insurance
    • Planning for Life Insurance
    • Applying for Life Insurance
    • Managing Your Policy
  • SCHOLARSHIP PROGRAM
    • About Us
    • Customer Reviews
    • Why AIG Direct
    • Our History
    • AIG
    • Contact Us
    • Careers
  1. Home
  2. About Life
  3. Planning for Life Insurance
  4. Can Family History Affect Your Health

Can Family History Affect Your Health?

Our genetic makeup tells our unique ancestral stories. It also may offer a glimpse at our predisposition for certain medical problems.

  • Twitter
  • Facebook
  • LinkedIn

Although each of us is 100% unique, there may be reason to believe that our family's medical history holds valuable information about our individual health risk factors for serious illness like heart attack, stroke, and invasive cancers.

The Center for Disease Control and Department of Health and Human Services recommend asking your relatives about their known diagnosis of chronic diseases to help assess your level of risk. This is because if a blood related family member has ever suffered from a serious medical condition, you might be at higher risk to develop the same type of condition.

Questions for Relatives:

Have you ever been diagnosed with a chronic disease?

Have you ever had cancer, a heart attack, or a stroke?

Ask about when older relatives died, cause of, and age of death.

Make a list of questions before you talk to your family members and explain to them why you are asking. It can be helpful to learn as much as possible about onset, diagnosis, and effective treatments of serious illness or disease of your relatives.

This information doesn't just help to create a portrait of your individual risk factors. By documenting your family's medical history over time, you are creating a living record of family health data for future generations. The data you collect about your family is your family history.

Don't panic if you learn that you maybe predisposed to an illness; be proactive. Talk to your health care provider about what you can do to make lifestyle changes to lower your risk of suffering from specific illness and disease. Changing unhealthy behaviors is a good start. Diet and exercise are often key factors in reducing our risk for disease and illness. Some providers even offer DNA testing to provide you with a detailed genetic risk assessment for certain conditions. Of course, how you choose to gather your information is up to you.     

What To Do If You Are Concerned About Your Family Medical History:

While it may seem hard to imagine, any of us can become ill suddenly and without warning. Having a picture of your family health history and a sound financial plan are effective ways you can help to protect your loved ones should you become incapacitated. Consider what your family might face if something were to happen to you.

For example: what would your family do if you became too sick to work? How long do you think you could survive on cash, credit cards, and other means? Unexpected gaps in employment and bills due to serious illness (chronic, critical and terminal) can have a life altering impact with the onset of a sudden medical problem. Therefore, it is important to have a solid financial plan in place in the event that you become do become seriously ill. By planning for this unpleasant possibility, you can rest easier knowing that your family will have one less thing to worry about if the unfortunate happens.

Life, disability, and critical illness insurances are typically sold by carriers as three separate policies. These policies each meet different policyholder needs, but what if a one policy could do the heavy lifting of all three? With Flexible Term Quality of Life (QoL) coverage from American General Life, you get a policy that does.

While traditional term life insurance does not provide financial benefits until you die, QoL coverage offers an innovative "living benefit". This means that with Quality of Life Insurance, you don't have to pass away to receive the cash benefit from your policy. This can help you make the most of the time you have remaining if you are diagnosed with a terminal illness or simply provide for you and your family if you become unable to work due to certain conditions. You can purchase a customized policy with built-in living benefits and choose the length of the policy and coverage amount to meet your needs.

Click here to learn more and find out whether QoL coverage might be right for you and your family.



Policy Form #s: ICC14-14523, 14523, and 14523-5 Rider #s: ICC10 AGLA ABR, AGLA ABR, AGLA 04CRIR, AGLA 04CHIR, AGLA 04TIR, AGLA 04CHIR-CA (0514), 14001, 14001-5, and AGLA 05AHC Important Consumer Disclosures regarding Accelerated Benefit Riders - https://www-160.aig.com/life/qol/qol-disclosure

Sources:
https://www.cdc.gov/genomics/famhistory/
https://www.cdc.gov/genomics/famhistory/famhist_adults.htm
https://www.hhs.gov/programs/prevention-and-wellness/family-health-history/about-family-health-history/index.html    

Help protect your family with Quality of Life Insurance

Contact Us Contact Us
LIFE INSURANCE PRODUCTS
  • Term Life Insurance
  • Quality of Life
  • Permanent Life Insurance
  • Universal Life Insurance
  • Whole Life Insurance
  • Guaranteed Issue Whole Life Insurance
  • Accidental Death Insurance
  • Self-Fulfilling Life Insurance
LIFE INSURANCE BASICS
  • Life Insurance
  • What is Life Insurance
  • How Does Life Insurance Work
  • Choosing a Life Insurance Policy
  • What to Expect When You Apply
  • Medical Exam Preparations
  • Managing Your Life Insurance Policy
  • Term Life Insurance Calculator
  • About Life Insurance Blog
ABOUT AIG DIRECT
  • Customer Reviews
  • About AIG Direct
  • Our History
  • Contact Us
  • Careers
  • Site Map
  • AIG Direct Facebook
  • AIG Direct LinkedIn
  • AIG Direct YouTube
  • AIG Direct Instagram
  • LIFE INSURANCE PRODUCTS
    • Term Life Insurance
    • Quality of Life
    • Permanent Life Insurance
    • Universal Life Insurance
    • Whole Life Insurance
    • Guaranteed Issue Whole Life Insurance
    • Accidental Death Insurance
    • Self-Fulfilling Life Insurance
  • LIFE INSURANCE BASICS
    • Life Insurance
    • What is Life Insurance
    • How Does Life Insurance Work
    • Choosing a Life Insurance Policy
    • What to Expect When You Apply
    • Medical Exam Preparations
    • Managing Your Life Insurance Policy
    • Term Life Insurance Calculator
    • About Life Insurance Blog
  • ABOUT AIG DIRECT
    • Customer Reviews
    • About AIG Direct
    • Our History
    • Contact Us
    • Careers
    • Site Map
  • AIG Direct Facebook
  • AIG Direct LinkedIn
  • AIG Direct YouTube
  • AIG Direct Instagram
  • Privacy Policy
  • Terms and Conditions
  • Legal Information
  • Advertising Disclosures
  • About Our Ads
  • Accessibility Statement
  • New York COVID-19 Notice
  • Compensation Disclosure
  • Privacy Policy
  • Terms and Conditions
  • Legal Information
  • Advertising Disclosures
  • About Our Ads
  • Accessibility Statement
  • New York COVID-19 Notice
  • Compensation Disclosure

© 2023 AIG Direct Insurance Services, Inc. Agency services provided by AIG Direct Insurance Services, Inc. ("AIG Direct"), CA license # 0B57619 and AR license # 0100105378, a subsidiary of American General Life Insurance Company ("AGL"), Houston, TX and an affiliate of The United States Life Insurance Company in the City of New York ("US Life"). All members of American International Group ("AIG"). AGL does not solicit, issue or deliver policies or contracts in the state of New York. AIG Direct offers policies on behalf of affiliated and unaffiliated insurance companies. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. For all companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax or accounting advice. For advice concerning your individual circumstances, consult the appropriate professional.

pixel tracker

pixel tracker