Can Life Insurance Look At Medical Records?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    Yes, when you fill out a Life Insurance application you give consent via a HIPPA form for the company to obtain any medical information necessary to underwrite your policy.  Companies will usually just do a check through the Medical Information Bureau database.  If everything matches up they will go no further.  If there is something they need to check further, they may request Medical records from your doctor.
    Answered on May 31, 2013
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  2. 11783 POINTS
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    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    Can life insurance look at your medical records?   Yes as it is part of the process of underwriting. The applicant signs off as part of the application process the acknowledgement that medical records may/will be reviewed. While there are policies that skip this process, the cost of such policies tends to be very expensive.
    Answered on May 31, 2013
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