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.
This will include questions such as:
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…