If someone in the family has cancer, you should tell them on the insurance policy. There is a certain probability that their children will be taken out for medical examination by the insurance company. Of course, the physical examination is free. If the insured is found to be in poor health, he will refuse insurance or increase the premium (about 30%), which is related to the insured and has nothing to do with his parents.
QQ: 125 184072, life insurance consultant of China Life Insurance Shanghai Branch. You can ask me any insurance questions.