Can Life Insurance Check Medical Records? 
Yes - life insurance companies can check medical records when you apply for coverage , regardless of whether you 're applying for a fully underwritten program or a no-exam life insurance program . The reason they can do this is because you are granting them access when you apply for coverage by signing a HIPAA authorization form . HIPAA was created to help protect the confidentiality and security of healthcare information . The HIPAA form authorizes the carrier to obtain needed medical information for the purposes of underwriting your program . Typically , the carriers may only order a copy of the records when you apply for a certain level of coverage or length of coverage because of the expense involved in doing so . For small policies -LRB- e.g. $ 25,000 , $ 50,000 , $ 100,000 , etc. -RRB- , carriers will generally feature more relaxed underwriting and have fewer requirements . I hope the information is helpful - please feel free to contact me for help with your program or if you have any other questions . Thanks very much . 