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Mutations in the BRCA1 and BRCA2 genes confer very high risk of breast cancer (BC) but only account for about 25% of the observed familial clustering of BC. Antoniou et al. (2002) proposed a model that included the BRCA1 and BRCA2 genes, and a polygenic component that acted multiplicatively on the rate of onset of BC. We use this model to find premium rates for critical illness insurance: (a) given knowledge of an applicant's polygenotype; and (b) given knowledge of a family history of BC ordoi:10.1017/s174849950000018x fatcat:6qfehfdqtzh4rk3s24vgja42rm