Can Life Insurance Check Medical Records?

When you apply for life insurance, you are asked to sign a medical release form. A medical release form allows your doctor to release medical records to the life insurance insurance company. It also provides a release to use the MIB (Medical Information Bureau). The MIB is where insurance companies keep basic information about people's health records when people apply for insurance. The insurance company's can access information to find out if you have been declined for life insurance previously due to health issues or any other reasons. However, if you do not want to take a medical exam there are no exam life insurance plans that offer you the option of buying a life insurance policy direct online without having to take any health examination. And, if you are approved, you may be able to start your life insurance coverage today.