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What does the Medical Information Bureau do?

Few people have ever heard of the Medical Information Bureau, but there's a good chance that it knows all about you. The MIB's main job is to catch people who falsify their insurance applications. If an insurer knows that you had heart surgery, it will likely report this to the bureau. If you later apply for medical or life insurance but fail to mention the operation, a quick check with the MIB can uncover it. The result: Your application may be declined, or the insurer may insist on a higher premium. The MIB is just one good reason not to lie on an insurance application. Even if an untruth slips through the cracks, the company that writes the policy can later cancel the agreement or even refuse to pay a claim if it can show the policy was issued under false pretenses.