Life insurance companies won't necessarily check your medical records upon your passing.
However, most life insurance cover incorporates a contestability clause. This is a period of time from the start of the policy when a life insurance company can investigate your death further.
The contestability clause is usually 12-24 months from the point at which protection is established.
If you pass away during this period, a life insurance provider can investigate your death to ensure all of the information you provided at application was accurate.
This could involve requesting an inquisition into your death or even reviewing medical records.
If it's found that you have withheld or supplied false information about your medical wellbeing, whether it's related to your death or not, it's likely a claim will be denied.
Therefore, it's essential to be forthcoming and honest during the application process.
If you were to pass away after this period, the provider may not request access to your medical records.
They may also not wish to access your medical records even if you were to pass away during the contestability period.