As a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA), MIB provides US consumers with the rights, protections and privileges available under FCRA. In addition, MIB also provides substantially equivalent rights to Canadian consumers.
Therefore, there is no charge to request a copy of your MIB Consumer File (if one exists) once per year directly from MIB.
In addition, in the event that you have received an adverse underwriting decision letter from an insurer indicating that an MIB record influenced the insurer’s underwriting process, which resulted in your application being rated or declined, then MIB will provide you with a free copy of your MIB Consumer File in addition to your free annual copy.
Before requesting a free copy of your MIB Consumer File, you should know that you will not have an MIB Consumer File unless you have applied for individually underwritten life, health, disability income, long-term care or critical illness insurance within the past 7 years (or earlier depending on applicable law) and the insurance company to which you applied (or its reinsurer) was an MIB member company that submitted an MIB inquiry with your authorization. Therefore, you may not have an MIB Consumer File if: (i) you applied for insurance more than 7 years ago; or (ii) you applied for insurance that was not individually underwritten (for example, group insurance or guaranteed issue life, or ACA-based health insurance); or (iii) you applied to an insurance company that was not an MIB member.
As a practical matter, MIB codes are not typically reported on individuals in good health whose life and health insurance applications are approved as standard or preferred risks.
You may only request a copy of your own MIB Consumer File. You may not request the MIB Consumer File of any other person, including your spouse or another relative, unless you are authorized to request the person’s MIB Consumer File as an attorney-in-fact (agent) under a Power of Attorney, or as legal guardian under a court appointment, or as parent and natural guardian for your minor child. Accordingly, you will be asked to certify under penalty of perjury that the information you provide to MIB is accurate and complete and that you are requesting a copy of your own MIB Consumer File and not someone else's.
Upon verification of your identity, MIB will process your request in a timely fashion and send you your MIB Consumer File by mail. If you do not have an MIB Consumer File, MIB will provide a "no record" letter explaining that a record does not exist for you.
Your MIB Consumer File ("Disclosure") may consist of the following information:
Any medical and personal information that MIB has in its database about you as of the time of your request for Disclosure, along with the name of the MIB member company that reported the information to MIB and the date it was reported.
The name of any MIB member company that:
(i) received a copy of the medical and personal information that MIB has in its database about you during either a three-year period preceding your request for Disclosure for U.S. consumers or a two-year period for Canadian consumers;
(ii) made an “inquiry” to MIB about you within the past two years; and
(iii) received a copy of a record showing the dates that other member companies made inquiries about you during either a three-year period preceding your request for Disclosure for U.S. consumers or a two-year period for Canadian consumers.
In addition, if you previously applied for disability income insurance to an MIB member that subscribes to MIB’s Disability Insurance Record System (“DIRS”), this member may have reported information about the disability benefits for which you applied and the amount of coverage you already had in force.
MIB is committed to the principle that every consumer should be entitled to know the contents of his or her MIB Consumer File, and to correct any inaccurate or incomplete information. When you obtain your MIB Consumer File from MIB, we will provide you with instructions on how to seek a correction or modification of any information that you feel is inaccurate or incomplete. For additional information, you can visit: How to Dispute Your MIB Consumer File.