No insurer, representative or support organization may request an investigative consumer report in connection with an insurance application, policy renewal, reinstatement or a change in benefits – unless the affected individual is informed
If an investigative consumer report is prepared by a support organization, the responsible entity must inform the organization of any request for a personal interview.
No investigative consumer report is permitted to contain any information related to the affected individual’s sexual orientation. Furthermore, these reports cannot divulge information related to counseling for AIDS.
In addition to a paramedical report and an attending physician's report, the underwriter will usually request a Medical Information Bureau (MIB) report.The MIB is a membership corporation owned by hundreds of member insurance companies. In other words, insurers are members of the MIB. It is a nonprofit trade organization which receives adverse medical information from insurance companies and maintains confidential medical impairment information on individuals.
Applicants who are rejected are considered declined risks. Risks that the underwriters assess as not insurable are declined. For example, a risk might be as follows: