Can Life Insurance Companies Access Medical Records? 
Yes , life insurance companies access medical records with your permission . Depending on the size of the policy and company requirements , medical records may or may not be required for your policy . When you apply for life insurance , there is a HIPAA -LRB- Health Insurance Portability and Accountability Act -RRB- , which provides permission for the insurance company to obtain and view your medical records . The medical records , along with a prescription check , MVR records , and exam are used to determine your eligibility for life insurance . 