What the application said, what the record shows. And what the manual would have done.

When an insured dies inside the policy's contestable period, the carrier may examine whether the application matched the medical record. A contestable claim record review organizes that comparison: what the application disclosed, what the treatment history shows, and where the 2 diverge, each point cited to the page it came from. Whether to contest, rescind, or pay the claim stays a carrier decision, made by its claims, medical, and legal teams.

No. Materiality is a legal question and the standard varies by state; some jurisdictions, Missouri and Kansas among them, require intent to deceive. We surface and cite the undisclosed encounters, diagnoses, and prescriptions in the record so your analyst, medical director, and coverage counsel can apply the standard themselves. We do not grade materiality, score the claim, or recommend an outcome.

Encounters, diagnoses, prescriptions, referrals, and test results that fall inside the application's lookback window, plus the negative findings that confirm an absence rather than leave a silent gap. On a file of 300 to 1,500 pages the decisive item is often a single visit note or one pharmacy line, so every page is read and every finding is cited to its source.

Every state sets a statutory 2-year contestable period running from issue, after which the policy generally cannot be contested for misrepresentation. That window decides which dates matter, so the chronology is built against the issue date and the date of death and everything falling inside it is flagged and page-cited. Applying the clause to the claim is your counsel's call, not ours.

No. Medrecords AI does not retrieve records from providers or facilities. You bring the attending physician statements, pharmacy histories, and claim-file productions you already have, and review starts in minutes from upload. Retrieval vendors take days; you can keep yours and still cut the read to minutes.