Can Life Insurance Get Medical Records? 
When you apply for life insurance you sign a consent form for the company to check your Medical History . Usually they will only check with the Medical Information Bureau , which is a health database similar to a credit agency but health related . As long as the information on the application coincides with the information in the MIB report , many companies will go no further , however should they feel it necessary they can check with your doctor and obtain medical records . 