Underwriters pull information from Medical Information Bureau (MIB) reports in order to find out if you have forgotten to include any medical information on your application. MIB reports will show any chronic illness or diseases your physician has diagnosed you with. Like a credit report, the MIB will also show how many MIB reports have been run for you recently. A large number of recent reports could indicate to an underwriter that you are shopping for life insurance. This could indicate that you are aware of some risk you may have.

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