If something is found, how will this affect insurance or mortgages?

The impact of cardiac disease on insurance or mortgage is entirely dependent on the type of cardiac abnormalities. The identification of a cardiomyopathy or an ion channel disorder is serious because these conditions can shorten life span and will almost certainly have an important impact on insurance premiums. Most insurance companies would not be keen to insure individuals who may die suddenly at a young age. So there is no question that the identification of a cardiomyopathy or an ion channel disorder will increase insurance premiums and may jeopardise future mortgage applications.