Can Life Insurance Check Medical Records? 
Can a life insurance company check medical records ? The answer is yes and they normally do as part of the underwriting process . Usually a company checks your health history and also takes blood and urine to check your current health too . Are there companies that do n't do this ? Yes there are . However , do not expect the cost of coverage to be low in those cases . The fewer questions an insurance company asks , the higher the premium . 