The MIB, or Medical Information Bureau, is a non-profit organization that collects and stores health information on behalf of its member insurance companies. MIB's records are used by insurance companies to help them assess an applicant's risk when determining whether to offer coverage, and at what premium. MIB members agree to share information in MIB's files, which helps to prevent insureds from fraudulently concealing their true health status when applying for life or health insurance.

While the MIB does not have access to your complete medical records, they may have information about previous medical conditions that you have been treated for, or that were discovered during a medical exam required for a life or health insurance policy. If you apply for life or health insurance and the insurer requests your MIB file as part of their underwriting process, you have the right to request a copy of your file from MIB. You also have the right to dispute any inaccurate information in your file. For more information about MIB and your rights, please visit their website at www.mib.com.