01
What it does
Underwriting risk-checking database (MIB Checking Service), electronic medical data (EMD/EHR access, incl. acquired Clareto), Code Solutions, In Force Data, actuarial services, MIB Life Index
02
Evaluation criteria
IME Hub rubric5 of 8 published
✓
Processing model
Automated Data Aggregation (industry information exchange)
✓
Human QA
None disclosed
✓
Typical turnaround
2-4 Day Flexible Waiting Period before EHR consolidation
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Pricing model
Not published
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Indicative cost
Not published
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Export formats
Not published
✓
Best for
Life insurers cross-checking applicant medical/insurance history
✓
Customer satisfaction
No public reviews found
03
Profile notes
Who it serves
Life, health, disability income, critical illness, and long-term care insurance underwriting
Claims & platform notes
EMD (electronic medical data) platform; absorbed Clareto's EHR retrieval technology (2025) Member companies represent ~99% of individual life insurance policies and ~80% of health/disability policies issued in the U.S. and Canada (self-reported)
Review summary
Not independently rated in v1. Cited public reviews are listed in Sources; MedRecords assigns no star rating without verified evidence.
Competitive coverage
Key facts
| Segment | Insurance Underwriting & Payer Chart Review |
| Website | |
| Founded | 1902 |
| HQ | Braintree, Massachusetts (exact street address not published in pages reviewed) |
| Ownership | Member-owned, not-for-profit corporation owned by ~430 member life/health/disability insurers in U.S. and Canada; Delaware membership corporation since 1978 |
| Certifications | Regulated as a nationwide specialty consumer reporting agency under the Fair Credit Reporting Act |
| Not published | Headcount · Pricing · Turnaround |
