Do you know there's a consumer reporting agency for the personal health & life insurance market ?

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For personal health and life insurance, there is only one agency - the Medical Information Bureau, Inc. (a/k/a, MIB Group, Inc., a/k/a, MIB, Inc., a/k/a, MIB Solutions, Inc.).
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Today, the Medical Information Bureau, Inc. (MIB, Inc.) uses modern technology to collect and furnishes information on consumers to all MIB, Inc. member corporations for use in the insurance underwriting process.
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During President Obama’s 'Health Care Speech' to Congress in September, the President admonished policy rescission, without indicating how future legislation will eliminate this insurance industry practice.
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But, "scouring years' worth of records" is an inaccurate description that doesn't do justice to MIB Inc.'s policy rescision technology. Says Douglas M. Mertz, MIB Solutions’ Vice President, "MIB information is the fastest, most cost-effective way to help determine if medical statements on applications are accurate and complete." ALL consumers applying for personal health or life insurance consent to release their information to the Medical Information Bureau, Inc. (Every personal health and life insurance company requires this in the policy application; if you have a policy, look at the terms.)
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Importantly, MIB, Inc. collects both medical and non-medical information about consumers. according to the Federal Trade Commission, a consumer medical report file in the Medical Information Bureau, Inc. (MIB, Inc.) database may include, "an individual’s credit history...medical conditions, driving records, criminal activity, and participation in hazardous sports, among other facts."
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One of four products offered by MIB:
"MIB, INC. CHECKING SERVICE – Issue With Confidence."
The MIB Checking Service is the flagship service offered by MIB, Inc. It is the fastest, most effective way to prevent omissions and material misrepresentations on insurance applications. Often when drawing upon information obtained during an applicant’s previous policy applications for insurance, a different picture appears. Forgetfulness. Willful omission. Outright deception. MIB reports are renowned for exposing a lack of candor in applications early in the process. As a result, MIB member companies are equipped with one of the most potent weapons against undue risk exposure–a proficient instrument enabling them quickly and cost effectively to get them to the point where they can issue with confidence.
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With a multi-million dollar technological infrastructure supporting the rescission practices of its corporate insurance members, what technology does the Medical Information Bureau, Inc. offer to consumers to request, review, and appeal the information in their medical report files? A telephone number and the U.S. Postal Service. That's right- there is no secure website by which consumers can request their free annual consumer medical report. So, how do you request your medical report? Currently, it requires the completion of FIVE steps and a few weeks time.

http://www.dailykos.com/storyonly/2009/10/1/788449/-Rescission-Technology:-Inside-the-Nations-Largest-Consumer-Insurance-Reporting-Agency

There is a lot more info in the article. It will tell you how to request a free copy of your medical report file from the MIB, Inc.

They are upgrading the technology to collect and share info. Imagine all the info they have already collected about you both medical and non-medical.

Think about these types of forms you may have filled out. What are the chances you got everything right on all of them? They apparently can use any discrepancy to rescind your policy.