Show More

Ask an Expert

Can life insurance providers check my family’s medical records without my permission?

When you apply for life insurance, your health situation will naturally be of interest to the provider. It will determine how much of a risk you are, and subsequently, how much you will pay in premiums.

While much of it will be based on your word and physical examinations, it’s not unheard of for them to consult your doctor. But are they allowed to do it without your permission?

Fortunately, we live in a country where your private medical records are sealed. An insurer would only be allowed to access them with your express permission, and even then they can see specific information relevant to your policy. For example, they might want to know if you smoke or about any pre-existing medical conditions

While you have every right to refuse, this might result in your policy not being accepted. Generally speaking, there are providers out there who do not conduct medical checks, so if it’s not something you are comfortable sharing, you should be able to get coverage regardless. If you’re happy to share, however, you just need to get in touch with your GP, to let them know and the insurer will get in touch with them.

As well as asking to see your medical records when you are applying, an insurer might also want access to them after you die. Generally, this will be if they are contesting because they believe that you died of something that was not included in your policy. Even in this situation they will need written consent from someone who is acting on your behalf.

In some situations, life insurers will share information if you are taking out a policy with another provider. But once again, they will need your permission to do this.

Related guides

What Happens to a Life Insurance Policy after a Divorce?

According to the Office of National Statistics, 42% of marriages in England and Wales end in divorce. Meanwhile, 46.2% of the working public has a life insurance policy, with 40% of these joint policies. At the convergence of these two statistics is a thorny financial and legal matter: what you do with a life insurance policy after a divorce.

Life Insurance in Retirement: Is It Really Necessary?

Everyone wants to ensure that their family is looked after when they’re gone. With funeral costs, inheritance tax and general expenses to deal with, knowing that your family has a safety net once you pass away can bring you peace of mind.For this reason, life insurance for over 50s is very popular amongst those who’ve reached retirement. This insurance policy will ensure your family receives the financial support they need in the event of your death, or it can help you leave a lasting gift for your loved ones.But do you really need life insurance in retirement? Keep reading to find out more about the pros and cons of over 50s life insurance.

What's the Right Age to Take out Life Insurance?

Few of us like to contemplate our own deaths, but it's an inevitable fact of life, and one that can be financially disruptive and even devastating to the ones you leave behind. That's why, since the 18th century, Britons have been insuring their own lives, paying instalments in life so their survivors can receive a financial windfall or simply support after their deaths.Just under half of all Britons have some form of life insurance policy, some provided through their employers and some linked to mortgages. These policies can pay out a lump sum or monthly income to survivors, pay off the outstanding balances on mortgage, replace the salary of the deceased, or at the very least, cover the expenses of a funeral, which regularly run over £4,000.But at what age should you start reckoning with your mortality and making provisions for a future without yourself? You can earn cheaper life insurance premiums by taking out a policy when you're young, but it's also unlikely you have the financial and personal obligations to require life insurance at that point. Additionally, most life insurance products sold as term policies, these policies may expire before you most need them. So what's the magic age?