Yes, life insurance companies do request medical records of those who apply for life insurance coverage.
This is a
standard practice in the life insurance industry.
And, if you deny the request, the insurance company may choose not to insure you for life insurance.
The insurance company uses the information from your medical records
to verify your health, and determine if they should insure you for life insurance.
They want to find out if you are a
good risk for life insurance, and your medical records will assist them in trying to determine your
longevity - how long you are expected to live.
The longer your life expectancy, the longer you will continue to pay premiums on your life insurance policy.
Here's how to learn more about
why life insurance companies request medical records.
