I want to apply for life insurance and I’m wondering if life insurance companies typically check medical records as part of the application process. Can anyone shed light on whether they do this, what information they look for, and how it might affect the application? Any insights or experiences with this would be really helpful. Thanks…
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Your medical records may be reviewed by life insurance providers, but this is not a guarantee for every application.
Life insurance companies commonly review medical records during the underwriting process to evaluate an applicant’s health status and assess their risk level.
When applying for life insurance, medical records play a crucial role. Insurers review your health history, including diagnoses, treatments, surgeries, medications, and hospitalizations. They also consider family medical history. The lookback period typically ranges from three to ten years, assessing your risk as an applicant. During the underwriting process, they may request copies of your records directly from healthcare providers or use specialized services like the Medical Information Bureau (MIB).
Certainly! Life insurance companies commonly review medical records during their underwriting process.