What kind of medical information is looked at when underwriting life insurance? 
An underwriter will examine medical information that an applicant provides . Based on that information medical records may be ordered . Also , life insurance carriers access the MIB or Medical Information Bureau . Only codes and not personal information are provided to the carrier based on any past applications , and checking is simply part of due diligence to avoid fraud . Most policies require a paramedic exam as well . In addition , a medical history will usually include health questions on immediate family members . The elective surgery will most probably result in a `` postpone '' on the part of every carrier , especially if planned within a few months . After that they will want to wait until you have been released by your physician . While the question MAY not be asked in the application , it will fall under at least one question upon receipt of the policy . 