Does the MIB have a record of whether you've been declined or rated for insurance?

The MIB does not have a record of whether you've been declined or rated for insurance. Your MIB report only includes information about your medical history that has been provided by MIB members.

How long does the MIB have your records?

Similar to your credit history, MIB records go back about seven years. Information that is older than seven years is not included in your report.

How does an MIB report affect the life insurance application process?

Insurance companies use the information included in your MIB report to verify the health information that you provide in your application and assess whether there are any omissions or discrepancies. The information in this report is coded in order to protect privacy, and only MIB member insurance companies can access it.

What Is the Medical Information Bureau?

About Margaret Wack

Margaret Wack is a freelance writer who covers insurance, saving, investing, banking, and more. Margaret earned a bachelor's degree in classics, comparative literature, and poetry from Smith College and a master's degree from St. John's College.

sources

MIB. "Request Your MIB Underwriting Services Consumer File." Accessed November 22, 2022.

What Is the Medical Information Bureau (MIB)?

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