Life Insurance
MIB Report (Medical Information Bureau)
An MIB report is a coded record maintained by the Medical Information Bureau—now MIB Group—that contains information disclosed on previous life, health, and disability insurance applications, used by underwriters to detect application inconsistencies and potential non-disclosure.
Last reviewed: May 2026 · Editorial methodology
Definition
The Medical Information Bureau (MIB), founded in 1902, is a non-profit data exchange cooperative of insurance companies that maintains coded records of health, medical, and lifestyle information disclosed on life, health, disability, and long-term care insurance applications submitted by member insurers—currently over 400 carriers. When an applicant applies for life insurance with a member company, the insurer submits coded adverse health findings to MIB; when a subsequent application is filed with any member company, the underwriter receives a coded MIB report identifying whether any prior disclosures exist. Codes indicate categories of risk such as cardiovascular disease, diabetes, or hazardous activities without including specific medical details—the insurer must request medical records to confirm. MIB reports are governed by the Fair Credit Reporting Act (FCRA); applicants have the right to request a free annual copy of their MIB file and to dispute inaccurate information. Approximately 20% of life insurance applications are subject to an adverse MIB code. MIB does not include information from employer group insurance applications, only individually underwritten policies. Underwriters use the MIB as an anti-fraud tool to detect applicants who conceal prior adverse health findings.
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Cover Forge USA Editorial Team
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This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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