What information will the MIB have on me when a life insurance underwritter requests a report and how does the Medical Information Buerau get their info? Some people have told me when we apply for life insurance, the application and it's contents are the only thing reported... while other people have told me every time you have a claim (went to the doctor etc.) the information is reported. Can somebody clarify?

Also, will a life insurance underwritter randomly call local hospitals to see if a specific person has ever been a patient there?

Thanks