MIB Checking Service℠ 

Exclusively available to MIB members, the MIB Checking Service is the industry’s best and most cost-effective resource for detecting potential misrepresentations or omissions on applications. 

As a core part of our Code Solutions portfolio, MIB maintains  a contributory database that facilitates an exchange between our member companies of information relevant to underwriting.  MIB members in the U.S. and Canada exchange highly confidential information that affects insurability in the form of MIB codes held in our database.   

Through use of the MIB Checking Service, underwriters are able to identify possible errors, omissions or misrepresentations made in the application process, and follow up with their applicants for more information prior to making an underwriting decision. 

A secure information exchange 

MIB protects the privacy of individual applicants by using a system of highly confidential and proprietary codes in our database.  Additionally, we implement and enforce robust security standards and policies designed to protect the security and confidentiality of any individually identifiable information. 

Underwriting significance 

An MIB search in the database includes: 

• Highly confidential, coded medical and other conditions affecting insurability. 
• A check to identify Specially Designated Nationals from the U.S. Treasury Department’s Office of Financial Assets Control [OFAC], and for Canada, the United Nations Security Council Sanctions List [UNSC] and the Consolidated Canadian Autonomous Sanctions List [CCASL].    

Member search flexibility 

With the MIB Custom Filters, you can streamline the replies returned by the MIB Checking Service.  Once activated, you will retrieve only applicant information that contains impairment data pertinent to your specific underwriting or business objectives.