<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"

	xmlns:content="http://purl.org/rss/1.0/modules/content/"

	xmlns:dc="http://purl.org/dc/elements/1.1/"

	xmlns:atom="http://www.w3.org/2005/Atom"

	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"

	
	>

<channel>

	<title>New answer on: Can Life Insurance Companies Access Medical Records?</title>

	<atom:link href="https://insurancelibrary.com/life-insurance/can-life-insurance-companies-access-medical-records/feed" rel="self" type="application/rss+xml" />

	<link>https://insurancelibrary.com/life-insurance/can-life-insurance-companies-access-medical-records</link>

	<description></description>

	<lastBuildDate>Thu, 08 Feb 2024 00:23:46 -0600</lastBuildDate>

	<sy:updatePeriod>hourly</sy:updatePeriod>

	<sy:updateFrequency>1</sy:updateFrequency>

	<generator>https://wordpress.org/?v=7.0</generator>


	<item>

		<title>By: Jim Winkler</title>

		<link>https://insurancelibrary.com/life-insurance/can-life-insurance-companies-access-medical-records</link>

		<dc:creator>Jim Winkler</dc:creator>

		<pubDate>Mon, 29 Dec 2014 03:45:29 +0000</pubDate>

		<guid isPermaLink="false">https://insurancelibrary.com/life-insurance/can-life-insurance-companies-access-medical-records</guid>


		<description><![CDATA[That is a great question! The answer is you better believe it! The insurance industry is all about risk. A person&#039;s health history makes a big difference in the risk that the insurer accepts. Because they typically aren&#039;t going to blindly accept that risk, in the application will be clauses granting them your permission to look at your medical records, and your prescription history. In some cases, they may also look at your credit history or criminal records. There will be places for you to sign that grant those permissions, so if that is a concern for you, don&#039;t sign anything that you don&#039;t understand or agree with, okay? Thanks for asking!]]></description>

		

	</item>


	<item>

		<title>By: David Pipes</title>

		<link>https://insurancelibrary.com/life-insurance/can-life-insurance-companies-access-medical-records</link>

		<dc:creator>David Pipes</dc:creator>

		<pubDate>Fri, 26 Dec 2014 16:44:51 +0000</pubDate>

		<guid isPermaLink="false">https://insurancelibrary.com/life-insurance/can-life-insurance-companies-access-medical-records</guid>


		<description><![CDATA[Life insurance rates are designed for “standard risks.”  Most policies provide that the company can investigate your health to determine if you are a “standard risk.”  There are tables of alternate rates that measure a risk that isn’t standard.  In the application process you signed a form giving permission to the company to access records and contact medical facilities that treat or have treated you.]]></description>

		

	</item>


	<item>

		<title>By: Larry Gilmore</title>

		<link>https://insurancelibrary.com/life-insurance/can-life-insurance-companies-access-medical-records</link>

		<dc:creator>Larry Gilmore</dc:creator>

		<pubDate>Tue, 14 May 2013 05:30:36 +0000</pubDate>

		<guid isPermaLink="false">https://insurancelibrary.com/life-insurance/can-life-insurance-companies-access-medical-records</guid>


		<description><![CDATA[Can life insurance companies access your medical records?  Yes, as when you apply for life insurance you grant them permission to do so. It is part of the application process and the applicant will also fill out a seperate form that gives HIPAA premission to get copies of your doctors notes.]]></description>

		

	</item>


	<item>

		<title>By: Chris Abrams</title>

		<link>https://insurancelibrary.com/life-insurance/can-life-insurance-companies-access-medical-records</link>

		<dc:creator>Chris Abrams</dc:creator>

		<pubDate>Tue, 14 May 2013 05:27:57 +0000</pubDate>

		<guid isPermaLink="false">https://insurancelibrary.com/life-insurance/can-life-insurance-companies-access-medical-records</guid>


		<description><![CDATA[Yes, life insurance companies access medical records with your permission.  Depending on the size of the policy and company requirements, medical records may or may not be required for your policy.  When you apply for life insurance, there is a HIPAA (Health Insurance Portability and Accountability Act), which provides permission for the insurance company to obtain and view your medical records.  The medical records, along with a prescription check, MVR records, and exam are used to determine your eligibility for life insurance.]]></description>

		

	</item>


</channel>

</rss>

