Can Life Insurance Check Medical Records? 
Absolutely . If you are applying for any meaningful amount of life insurance part of the underwriting process is checking your listing in the Medical Information Bureau -LRB- MIB -RRB- and it is not uncommon for a request for medical records to be made if more detailed information on an indicated illness or injury is uncovered in your MIB search . This is partly for the insurance carrier 's protection and partly for the applicant 's . The MIB is not perfect , after all humans input the information , and on rare occasions erroneous information gets into the system or the information turned up in the MIB is not detailed enough to allow the underwriting process to continue without the more detailed information that should be contained in your medical records . Of course , the life insurance carrier can not get access to your medical records without your written consent and that is a standard part of the paperwork you will be completing when you apply for most life insurance policies . 