Can Life Insurance Companies See Your Medical Records? 
The vast majority of consumers want the cheapest life insurance coverage available . To accomplish this , they need to be fully underwritten by the insurance carrier which includes obtaining their medical history , their prescriptionregiment , blood and urine analysisand sometime an EKG . The carriers need your authorization to collect all this data , but it 's worth it , especiallyto a healthy consumer . Life insurance has several underwriting categories thatparseyour medical information to calculate lowest cost of insurance . Non smokers have five categories that can represent a 20 % difference in price , sopreppingfor good exam results may be just as important as good medical records . 