Do life insurance companies check medical records?

Life insurance companies won't always check your medical records, but they can ask to.

When applying for most forms of life insurance you'll be required to provide information on your medical wellbeing.

Your answers to these questions may require you to provide further information to allow the life insurance provider to determine the level of risk you pose.

This further information may be collected via your medical records.

You'll be required to provide permission to allow the provider to obtain access to your medical records, but refusal could lead to the decline of cover.

Ultimately, life insurance companies won't always check your medical records if the information provided is adequate, or the type of cover you're arranging doesn't require medical information.

Continue reading to fully understand if/when a life insurance company will check your medical records…

To ensure a life insurance provider doesn’t access your medical records, the best life insurance policy to arrange would be an over 50s plan.

However, due to the age restrictions and limited sum assured, this may not be the most appropriate cover for everyone.

First and foremost, you should determine the right type of cover to suit your needs.

As discussed, a life insurance provider won't always require access to your medical records, but if they do, you do have the option to decline.

However, declining access is likely to result in your application being rejected.

It's always best to be open and honest during the application process to ensure that your cover is valid and your needs are met.

Comparing providers can help put you in touch with the insurers most likely to accept your application.

Call our award-winning team for all the information you need to make an informed decision and receive your free quotes today.