by awin333 » Mon Dec 29, 2014 02:46 pm
I am seeking help so if anyone out there can tell me where various life insurance companies would go if a person was to apply for policies to check their medical records that is not on the application forms? The reason i want to know is that i cough and vomit out blood each day and i need this on my official medical records where all life insurance companies check so if and when someone is trying to get fraudulent policies under my name without my knowledge or consent so that all life insurance companies would reject or deny such applications from checking my medical records they have checked. Thankyou for your time to read this please give me some leads feedbacks or answers if you know of any.
Posted: Mon Dec 29, 2014 11:03 pm Post Subject:
There is no central place that insurance companies go to check a person's medical records except the physician whose name is listed on the application for insurance.
There is an organization called MIB, Inc., which disseminates coded underwriting information about persons who have applied for individual life insurance with member companies. But MIB does not have your medical records.
As a paranoid individual, if you want to put the insurance companies on notice about your medical condition, then apply for insurance with all of them and tell them about your coughing and how you vomit blood every day. They will decline you and that will solve your problem about someone else trying to obtain insurance on your life with or without your consent..
In the meantime, you should probably go to a doctor or the emergency room and have your condition diagnosed. There may be a treatment available.
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