Medical Information Bureau (MIB)
Terms related to how insurers evaluate and price risk.
What Is Medical Information Bureau (MIB)?
The Medical Information Bureau (MIB) is a membership organization of life, health, and disability insurance companies that maintains a database of coded medical and non-medical information that individuals have disclosed on past insurance applications. When you apply for life insurance, the carrier typically queries the MIB to check for undisclosed conditions flagged on prior applications. MIB reports are coded — not narrative medical records — and carriers use them as a tool to detect inconsistencies. You have the right to request a copy of your MIB record annually and dispute inaccurate information. The MIB does not make underwriting decisions; it provides data to carriers who make their own judgments.
Nevada Context
MIB operates nationally, covering Nevada applicants as it does all US states. Nevada consumers applying for life insurance consent to MIB queries in the application process. You can request your MIB report at mib.com.
How It Affects You
If you have applied for insurance before, your MIB record may contain coded information from those applications. Reviewing your MIB report before applying can help you understand what carriers may find and avoid inadvertent inconsistencies.
Medical Information Bureau (MIB) in Practice
A Nevada applicant who disclosed high blood pressure on a previous application sees that information coded in her MIB record; when she applies for a new policy, the carrier reviews the code and requests additional health documentation for underwriting.
Dollar amounts shown are illustrative. Actual amounts vary by carrier, applicant age, health status, and individual underwriting.
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