Can Life Insurance Get Medical Records? 
Yes , life insurance companies can order medical records in order to ascertain how to rate some applicants . You are provided a HIPAA form in the life insurance application which you must sign in order to give them permission to access your records . Some No Exam policies never request medical records . And many medically underwritten policies do not request medical records for specific people they are middle age or younger , and appear to be in good health . 