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Privacy Policy

Information We Collect


We may request financial, medical, occupational, lifestyle, and insurance history information in order to gather qualified proposals on your behalf and facilitate application with insurers.  We do not collect information from third parties.


Information We Share


Any personal information you share with us will not be shared, except for purposes of issuing coverage.   

Information Marketing and Repurposing

We don't repurpose information, sell it or otherwise make it available in any form, to anyone, unless legally required to do so.   We do not utilize mass marketing or initiate unsolicited communications.  We do not use group email lists.

Information Security

We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to guard your personal information, including best practices in data storage and transmission security and document destruction.  

Background Checks Insurers Conduct
(for individual coverage only)

If you apply as an individual, the underwriting path will very likely be designated as "full underwriting" in which case the insurer will pull information from several sources.   

Disability Underwriters does not perform, nor have access to, these reports.  This is just a heads-up on what happens behind the scenes at the insurer level after an application has been formally signed and submitted.

Quest Diagnostics (LabPiQture)

This report provides physician-ordered laboratory testing results related to preventative care, disease monitoring and diagnostic purposes, as well as labs completed for insurance purposes for the past 7 years.  If your doctor's clinic uses an Electronic Medical Records system, it is more likely that this report can be pulled.

10101 Renner Boulevard, Lenexa, KS 66219
FCRA Voice Mail: (844) 225-8047

Labs (not always required)

If the insurer is asked to take on a lot of risk, they may call for a blood draw and urine specimen which has the advantage of permitting a more comprehensive battery of tests, in addition to being fresh.  This is also more likely if you haven't had a blood draw with your physician in the last 12 months.

If called for, it would be taken from a local examiner who would come to you and then sent to CRL: Clinical Reference Laboratory, but it is possible that the insurer will use a different lab.  At the time of the exam, you can specify whether you want to be able to fetch your report online.  If so, you will receive a text message when the results are available based on the phone number given to the examiner and entered on the lab slip.   Of course, you'll need to get past security.

CRL's portal is

LexisNexis Consumer Center

This is a report that draws on public records, driving history
and credit.  It relies heavily on the correct Social Security Number, full name (including any prior names) and address history.

Attn: Life Reports
P.O. Box 105108, Atlanta, GA 30348-5108
Phone: 888-497-9215 | Fax: 770-291-3140

Medical Information Bureau (MIB)

This is a report of individual insurance history among all member insurance companies for life, disability and long term care insurance, including anything currently in the pipeline.  If an applicant has concurrent applications pending with multiple carriers for same line of coverage, the process will usually stop with all insurers unless proper arrangements are made (typically coordinated by the agent).  The main purpose of the MIB report is to mitigate concealment.  Codes are reported for the last 7 years by insurance companies for medical and nonmedical conditions. 


One unique aspect of the MIB is that it obligates insurers to report into the database, which makes the process leaky.  Fortunately, for both practical and privacy reasons the level of detail is low, and is designed to be sufficient enough that insurers know to begin asking questions of the agent or the proposed insured person.

50 Braintree Hill Park, Suite 400,
Braintree, MA 02184-8734
Phone: 866-692-6901

Milliman IntelliScript

This report is also known as a "script check" because it started out providing pharmacy information, but it is tied to another closely related service that pulls in medical claims from multiple data sources.  So if a person had an MRI, for example, and the claim was run through medical insurance, it would likely show up on the report in addition to prescriptions.

P.O. Box 2223, Brookfield, WI 53008
Phone: 877-211-4816

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