This guide explains what the Medical Information Bureau tracks, what appears in your MIB report, how it affects your life insurance applications, what rights you have regarding your information, and how to address inaccuracies that might harm your approval chances.
MIB Coverage
Data Retention
Access Rights
Dispute Process
What Is the Medical Information Bureau?
“The Medical Information Bureau is a nonprofit organization that operates as a clearinghouse for life and health insurance underwriting information. Every major life insurance company reports to MIB and accesses MIB records when evaluating applications. Your MIB file contains a history of your insurance applications, medical underwriting information, and lifestyle facts disclosed to insurers. This centralized system prevents fraud and ensures consistency in underwriting across the industry.”
InsuranceBrokers USA – Management Team
The Medical Information Bureau (MIB) was founded in 1902 as a cooperative information exchange organization for life insurance underwriting. Today, nearly all life insurance companies—including the largest carriers like MetLife, New York Life, Equitable, and Guardian—participate in MIB. The organization maintains a database of applicant medical histories, health conditions, medical test results, and lifestyle information from insurance applications across the industry.
When you apply for life insurance, the carrier checks your MIB report, along with requesting medical records and conducting medical exams. Your MIB report contains a consolidated view of your insurance application history—what you’ve disclosed to insurance companies, what underwriters found during their medical evaluations, and any health conditions or lifestyle information previously reported to MIB.
The purpose of MIB is legitimate: preventing fraud, ensuring consistent underwriting, and protecting the integrity of the insurance system. If you’re declined for life insurance and then misrepresent your health to another carrier, MIB helps detect this pattern. If you had a serious health condition five years ago that you disclosed to one carrier, MIB ensures you can’t hide that condition when applying to another carrier later.
However, MIB is not a perfect system. Errors occur. Medical findings get miscoded. Information from one applicant sometimes gets mixed with another’s record. Understanding what MIB tracks and how they might affect your application is important for getting accurate underwriting decisions.
Key Principle: MIB is designed to create industry-wide consistency and prevent applicants from shopping for insurers willing to overlook disclosed health conditions. This system protects carriers and policy owners, but it also means your application history is permanently documented. You can’t forget prior health disclosures and start fresh with a new carrier.
How MIB Works and Who Reports
The Medical Information Bureau operates as a cooperative network where participating insurance companies both contribute information and access information. Here’s how the system works in practice.
The Application Process and MIB Reporting
When you submit a life insurance application, the insurance company completes the underwriting process by gathering medical information. They request medical records from your doctors, may require medical exams and laboratory testing, and evaluate your health against their underwriting guidelines. Throughout this process, if the underwriter discovers health issues, medical diagnoses, or other significant underwriting information, they report findings to MIB using standardized codes.
The insurance company doesn’t report just when approving your application—they report when declining, postponing, or rating your application based on health conditions they discover. If you disclose diabetes in your application, they report this to MIB. If underwriters discover evidence of hypertension during medical underwriting, they report this. If you’re declined for life insurance, this decline is reported to MIB.
Not every application generates an MIB report. Most simplified issue or guaranteed issue policies don’t report to MIB because minimal underwriting occurs. However, any application involving medical underwriting—full underwritten policies, most term insurance above certain face amounts, variable universal life policies—typically results in MIB reporting.
Which Companies Participate in MIB
The major life insurance carriers all participate in MIB. Companies, including MetLife, New York Life, Equitable, Guardian Life, Lincoln National, Massachusetts Financial Services, MassMutual, Prudential, Principal, and many other well-known insurers, report to and access MIB records. Some smaller regional carriers and specialized carriers may not participate, but if a carrier is underwriting traditional life insurance products, they almost certainly access MIB data.
When evaluating your application, underwriters access your MIB report before making underwriting decisions. They see your complete insurance application history across all carriers—prior applications, reasons for decline or postponement, health conditions disclosed, and medical underwriting information from other carriers.
What Gets Reported to MIB
Participating carriers report significant underwriting findings to MIB. These include health conditions you disclose on your application, medical diagnoses underwriters discover during their medical exams or medical record review, laboratory abnormalities, tobacco use, hazardous occupations or hobbies, and previous insurance applications that were declined or postponed.
Standard routine medical findings are typically not reported. If you apply for life insurance and your blood pressure and cholesterol are normal, well-controlled with medication, and you’re approved, the carrier likely doesn’t report these findings to MIB. However, if your blood pressure is significantly elevated or your cholesterol is critically high, these abnormalities are reported.
Important Detail: Carriers use MIB codes—standardized abbreviations representing specific medical conditions and findings. MIB maintains a comprehensive codebook with hundreds of codes representing everything from diabetes (DM) to heart disease (CAD) to occupational hazards. When carriers report to MIB, they use these codes, which help ensure consistency but also create opportunities for miscoding.
What Information Is Tracked by MIB
Your MIB report contains specific categories of information reported by insurance companies during their underwriting processes. Understanding what’s tracked helps you know what to expect and identify potential errors.
Medical Diagnoses and Conditions
Medical conditions you disclose or that underwriters discover are reported to MIB. This includes major diagnoses like heart disease, stroke, cancer, diabetes, hypertension, and pulmonary disease. It also includes psychiatric conditions, substance abuse history, and significant surgical procedures. Any significant health condition affecting insurance underwriting is documented in your MIB file.
Medical Test Results and Abnormalities
Abnormal laboratory results discovered during underwriting are reported to MIB. Elevated blood sugar suggesting diabetes, abnormal liver function, kidney dysfunction, high cholesterol, or abnormal EKG findings are documented. Again, normal results are typically not reported, but significant abnormalities are tracked.
Application History
Your MIB report includes your insurance application history. When you were declined for life insurance, when applications were postponed pending improved health, when you were approved, and what face amounts you applied for are all tracked. Multiple applications within a short period are visible—underwriters can see if you applied to five different carriers in three months, which creates red flags.
Tobacco Use
Tobacco use—including cigarette smoking, cigar smoking, pipe smoking, and sometimes chewing tobacco—is reported to MIB. If you tell one carrier you smoke and another carrier you don’t, this discrepancy becomes visible in your MIB file. Tobacco status significantly affects rates, so underwriters carefully evaluate smoking disclosures across applications.
Occupational and Lifestyle Hazards
Hazardous occupations or high-risk activities are reported to MIB. If you disclosed you’re a commercial airline pilot, military personnel, or involved in dangerous hobbies, this information is tracked. Similarly, if you have a history of dangerous driving, DUI convictions, or significant accident history, this may be reported.
Reasons for Decline or Postponement
When you’re declined for life insurance or your application is postponed, the reason is tracked in your MIB file. “Declined—evidence of recent myocardial infarction,” “Postponed—pending cardiac stability,” or “Declined—severe respiratory disease” become part of your permanent record. This helps other carriers understand why you were declined and evaluate their own underwriting decisions.
Critical Reality: Information in your MIB file is permanent for seven years. If you were declined for heart disease two years ago, this decline remains in your file until the seven-year retention period expires. You can’t erase your history by applying to different carriers. Every new carrier sees your prior decline and the reason for it.
How MIB Affects Your Application
Your MIB report directly impacts how underwriters evaluate your life insurance application. Understanding this impact helps you manage expectations and avoid red flags.
Verification of Disclosure Accuracy
The primary use of your MIB report is verification. Underwriters compare what you disclose on your current application with what’s in your MIB file. If you disclosed a heart attack five years ago on one insurance application but now claim you’ve never had heart disease, underwriters see this discrepancy. Inconsistent health disclosures across applications create serious problems.
This isn’t necessarily about deliberately lying. Sometimes applicants honestly forget prior health events or don’t realize something counts as a significant diagnosis. However, underwriters interpret disclosure inconsistencies as red flags suggesting either dishonesty or carelessness—both concerning for life insurance underwriting.
Rate Class Assignment
If your MIB report shows previous insurance applications that were declined or rated due to health conditions, current underwriters use this information when assigning your rate class. For example, if you were previously postponed pending cardiac stability and later approved at Table E rates for heart disease, a new carrier will likely assign similar rates. MIB information helps establish consistent underwriting across carriers.
Disease Progression Tracking
Your MIB file shows disease progression over time. If you applied for life insurance three years ago when your health condition first appeared and now you’re applying again, underwriters see the timeline. Progressive disease requiring additional medications, procedures, or interventions will be evident from your application history. This helps underwriters understand your disease trajectory and predict future risk.
Pattern Recognition
MIB helps underwriters identify concerning patterns. Multiple applications to different carriers within a short period create a pattern suggesting applicant shopping—looking for a carrier willing to approve without adequate medical underwriting. This pattern raises significant red flags. Similarly, if you were previously declined and now immediately apply to another carrier without adequate time for health improvement, MIB reveals this pattern.
Strategic Consideration: Your MIB report helps or hurts depending on your circumstances. If you were previously declined but your health has genuinely improved over several years, the MIB history of improvement supports your current application. If you were previously rated for disease and remain stable with controlled symptoms, the MIB history of stability supports approval. However, if you’re trying to get better rates than your previous application or hide prior health problems, your MIB report becomes problematic.
Multiple Applications and Red Flags
One of the most significant ways MIB affects your application is through visibility of your application activity. Multiple applications within a short timeframe create red flags that harm your underwriting outcomes.
Why Multiple Applications Create Problems
Underwriters view multiple applications to different carriers within 3-6 months as suspicious activity. The reasoning: if you were approved by the first carrier, why apply to a second? If you were declined or poorly rated, why shop for a carrier willing to overlook your health conditions? Multiple applications suggest the applicant is shopping for favorable treatment.
Even worse, multiple applications create the impression you’re trying to manipulate the underwriting process. Each application generates another medical exam, another opportunity for underwriters to discover health information. An applicant shopping multiple carriers might be looking for a carrier whose medical exam misses something, or a carrier whose underwriters are less stringent. This pattern raises serious red flags.
MIB Access Shows All Applications
Because all major carriers access MIB, they see every life insurance application you’ve submitted. You can’t apply to one carrier without the next carrier knowing about it. If you apply to five different carriers in two months, underwriters at the fifth carrier will see the four prior applications. This visibility prevents you from hiding your shopping behavior.
Some applicants think applying to different carriers will hide them from the others. This is a misconception. MIB guarantees that all participating carriers see your full application history.
Impact on Current Underwriting
If your current application is the second or third in a series of recent applications, underwriters will likely rate you more conservatively than if this were your only application. They’ll wonder why previous carriers declined or poorly rated you. They’ll scrutinize your application more carefully. They may request additional medical records or testing. Multiple applications essentially create more work for underwriters and more skepticism about your application.
Strategic Warning: Don’t apply to multiple carriers immediately after a decline or if you’ve recently had a health event. Wait at least 6-12 months before reapplying, which allows your MIB file to age and allows time for your health to stabilize. When you do apply, apply to one or two carriers through a broker who knows your situation—not five carriers across different brokers. Multiple applications appear desperate and create more problems than they solve.
How to Access Your MIB Report
You have the right to access your MIB report. The Federal Fair Credit Reporting Act (FCRA) grants you the ability to request your MIB file, review what’s in it, and dispute inaccurate information. Understanding how to access your report is important, especially if you’ve been declined for insurance or received unexpectedly high rates.
Free Annual Report
You’re entitled to one free MIB report per year. You can request this directly from the Medical Information Bureau. The easiest way is to visit www.mib.com and use their online request portal. You’ll need to provide personal information, including your full name, date of birth, and current address. MIB will send your report within 30 days.
What to Expect in Your Report
Your MIB report will show a summary of information reported by insurance companies. Each entry includes the date information was reported, the reporting carrier, and the MIB code describing what was reported. Your report will also include a codebook so you can understand what each code means. For example, “AMI-1” means acute myocardial infarction within the past year, while “AMS” means alcohol misuse.
Your report won’t be a readable summary like “Applicant has diabetes and high blood pressure.” Instead, it will show codes like “DM-2” (diabetes type 2) and “HBP” (hypertension). You need the codebook to interpret what’s in your file.
Helpful Timing
Request your MIB report before applying for life insurance if possible. This allows you to review what’s in your file, identify any errors, and correct them before submitting an application. Underwriters will access the same information, so knowing what’s there in advance helps you address potential issues proactively.
If you’ve already been declined or received an unexpected rating, request your MIB report immediately. This helps you understand what information the carrier was working with. If your file contains errors, you can dispute them while simultaneously reapplying with corrected information.
Practical Tip: Consider requesting your MIB report annually as part of your health and financial management routine. Just like you monitor credit reports for errors, monitoring your MIB report helps catch inaccuracies that could affect insurance underwriting decisions.
Disputing Inaccurate Information
If your MIB report contains inaccurate information, you have the right to dispute it. Errors in your MIB file can cause improper declines or higher rates than necessary, making error correction important.
Common MIB Errors
MIB errors occur. Reporting carriers sometimes misscode diagnoses. Medical findings get miscoded—for example, a temporarily elevated blood pressure reading gets recorded as hypertension. Information from one applicant gets mixed with another’s record due to matching names. Old information doesn’t get deleted properly when it should age off after seven years.
Some common errors include: condition codes incorrectly indicating a diagnosis you don’t have, dates that are wrong so recent events appear older or vice versa, tobacco status incorrectly showing you as a smoker when you don’t smoke, or information about someone else mixed into your file.
Dispute Process
When you identify an error in your MIB report, you have 30 days to dispute it. You can initiate a dispute directly through MIB’s website or by contacting them by mail. MIB requires that you provide specific information about what’s inaccurate and why. For example, “The report shows code DM-2 (diabetes type 2) reported by [Insurance Company] on [date], but I do not have diabetes. This is inaccurate.”
MIB will then contact the reporting carrier to verify the information. If the carrier confirms the error, they’ll file a correction with MIB. If the carrier indicates the information is accurate, you’ll be notified and can provide additional documentation supporting your claim.
Documentation Helps
When disputing an error, provide documentation supporting your position. If the dispute is about a medical condition MIB shows but you don’t have, provide a letter from your doctor confirming you’ve never been diagnosed with that condition. If the dispute is about tobacco status, provide documentation of your non-smoking status. If the dispute is about a previous decline that was later overturned, provide proof of approval.
Good documentation speeds the dispute resolution process and makes carriers more likely to correct errors in their reports.
Post-Dispute Steps
After MIB corrects an error in your file, notify any insurance carriers you’re currently applying with. Provide them with evidence of the correction. This ensures they’re evaluating your application based on corrected information, not the outdated, incorrect data.
If you were previously declined based on inaccurate MIB information and you’ve now corrected the error, consider reapplying to that carrier. With corrected information in your file, you may receive the underwriting decision you should have received originally.
Important Reminder: MIB disputes must be initiated within 30 days of receiving your report. Don’t delay if you find errors. Additionally, focus disputes on clear inaccuracies. Disputes about subjective issues like coding interpretation take longer and are less likely to succeed than disputes about factual errors.
Privacy and Security
Your MIB information is protected by privacy laws, but understanding what information is shared and how it’s used is important.
Who Can Access Your MIB Report
Participating life and health insurance companies can access your MIB report during underwriting. Disability insurance carriers, long-term care insurers, and some other types of insurers also participate in MIB and can access your information. However, your MIB file is not accessible to employers, medical providers, banks, or the general public. MIB information stays within the insurance industry.
Consent Requirements
When you apply for life insurance, you authorize the carrier to access your MIB report. This authorization is typically included in the insurance application. However, carriers must have your consent before accessing MIB. If you apply for life insurance and authorize underwriting, carriers automatically get MIB access as part of the underwriting process.
Data Security
MIB maintains security protocols to protect your health information. Access is limited to authorized insurance company employees. Data is encrypted during transmission. However, like any organization maintaining sensitive personal data, MIB is a potential target for data breaches. While serious breaches are rare, the possibility exists.
HIPAA Considerations
Your MIB file may contain health information subject to HIPAA (Health Insurance Portability and Accountability Act) regulations. However, MIB itself is not a covered entity under HIPAA. Insurance companies submitting information to MIB are covered entities subject to HIPAA, but the MIB clearinghouse operates under different privacy laws. This means some HIPAA protections may not apply to MIB data.
Privacy Reality: While MIB data is protected from public access, it is not private in the traditional sense. Every insurance company you apply with will see your MIB file if you authorize underwriting. This includes any health conditions, prior declines, smoking status, or other information previously reported. There’s no way to hide your insurance application history from other insurers. Assume anything you disclose in an insurance application will be accessible to other carriers through MIB.
Common Questions: Answered
Can I prevent insurance companies from checking my MIB report?
Direct answer: No. MIB access is part of standard underwriting for most life insurance applications.
When you authorize an insurance company to underwrite your life insurance application, you consent to MIB access. You can’t opt out of this consent without withdrawing your insurance application. Some simplified issue or guaranteed issue policies don’t access MIB because they involve minimal underwriting, but traditional underwritten policies require MIB authorization.
How long does information stay in my MIB file?
Direct answer: Seven years from the date it’s reported.
MIB maintains records for seven years. After seven years, information automatically ages off your report. However, if a health condition still exists and is reported again in a new insurance application, the seven-year clock restarts. So while a temporary diagnosis might age off your file after seven years, chronic conditions that remain and are re-reported will have continuous entries in your MIB file.
Can I explain or dispute what’s in my MIB report before insurers see it?
Direct answer: Not to MIB directly, but you can provide context to insurance companies through your application.
MIB doesn’t include applicant explanations in your file—only factual medical and underwriting information. However, when you apply for life insurance, you can provide context or explanations through the application or through a broker. For example, if your MIB file shows a prior decline, you can explain in your current application that the reason for the decline has since been resolved and why you believe you should now be approved. This explanation doesn’t go into MIB, but underwriters see it during their evaluation of your application.
What if I don’t disclose something on my application that’s in my MIB file?
Direct answer: This creates a serious problem—misrepresentation that can void your policy.
If you disclose a heart attack on one insurance application and then later apply to a different carrier claiming you’ve never had a heart attack, your MIB file shows the discrepancy. This constitutes material misrepresentation—dishonesty on your insurance application. Misrepresentation can result in policy decline, rescission, or, in extreme cases, claim denial. Always be consistent with your health disclosures across applications. Underwriters will discover inconsistencies through MIB.
Should I wait a long time between insurance applications?
Direct answer: If possible, yes. Waiting reduces red flags from multiple applications and allows your health to stabilize.
If you’re declined for life insurance, waiting 6-12 months before reapplying is strategic. This time allows your MIB file to age, allows your health to potentially improve, and doesn’t create the appearance of a desperate applicant shopping. If you’re switching carriers to get better rates, you can apply sooner (particularly with a broker handling multiple applications simultaneously), but rushing immediately after a decline creates red flags.
Does MIB affect other types of insurance?
Direct answer: Yes. Some disability and long-term care insurance companies also access MIB.
Life insurance carriers are the primary users of MIB, but some disability insurance companies, long-term care insurers, and other specialized insurers also participate. Your MIB file could potentially affect disability insurance underwriting or long-term care insurance underwriting, not just life insurance.
What if I find MIB information showing someone else’s medical history?
Direct answer: Dispute it immediately. This is a serious error requiring correction.
If you receive your MIB report and find medical information clearly belonging to someone else, this is a serious error. File a dispute immediately with a detailed explanation. Include supporting documentation if possible. This type of error requires careful correction to ensure your file contains only your information and the other person’s file is restored to accuracy.
Can I apply for life insurance from companies that don’t participate in MIB?
Direct answer: Possibly, but there are very few non-MIB participating carriers.
Nearly all major life insurance companies participate in MIB. Some very small regional carriers or specialty insurers might not participate, but you won’t find better rates or more favorable underwriting with non-participating carriers. Avoid applying with non-participating carriers in hopes of hiding prior health information—it won’t work and suggests misrepresentation.
Understanding MIB Protects Your Coverage
The Medical Information Bureau is a transparent system designed to ensure accurate, consistent underwriting across the insurance industry. Understanding how MIB works, what information it tracks, and how to access your report helps you manage your insurance applications effectively. Your MIB file is permanent—not in a punitive sense, but as a historical record. Use this understanding to approach life insurance applications strategically and honestly.
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Licensed agents can explain how your specific MIB history will affect your application and help you navigate underwriting with complete transparency. We’ll work with you to present the most accurate picture of your health and circumstances to insurance underwriters.
Disclaimer: This information is for educational purposes and does not constitute legal, medical, or insurance advice. The Medical Information Bureau (MIB) is a nonprofit organization that serves as a clearinghouse for insurance underwriting information. MIB policies, procedures, data retention timelines, and access requirements are subject to regulatory oversight and may vary. Privacy protections and dispute processes are governed by the Fair Credit Reporting Act (FCRA) and other applicable laws. Specific MIB information, dispute procedures, and data retention policies should be verified directly with the Medical Information Bureau. If you believe inaccurate information in your MIB file has affected your insurance application, consult with insurance professionals or legal counsel. Multiple insurance applications within short timeframes may negatively affect underwriting outcomes and should be approached strategically. Information provided is accurate as of the publication date and subject to change.
