Im going to be busted

[anabolic1979]

jeeez

[Quo]

from yahoo answers:

When you apply for insurance you must answer the questions on the application truthfully. You will be asked if you have visited a doctor in the past and if so, what was the reason. If you choose not to disclose this information, that is material misrepresentation.

Now, once you disclose the doctor/hospital/emergency facility or any other treatment you have received, the company will order a copy of the attending physician's statement.

If you don't disclose, the information could possibly show up on the MIB report which is the Medical Information Bureau. It works just like the credit bureaus. If the facility reported your visit to MIB, it can be picked up that way.

If you don't disclose the info on the app and subsequently have a claim, the info can be discovered based on the medical history you have provided to your current physician. If it is later determined you committed material misrepresentation, your claim can be denied, your premiums refunded and a permanent record of it will follow you on MIB.
Source(s):
Owner of an insurance agency and former life/health underwriter. Twenty one years experience.

Wow, for a person with 21 years experience, she missed some important points.

Most information makes its way to the MIB via voluntary disclosure. No doctor ships your file to MIB at random. Basically, everytime you apply for Life Insurance, whatever you disclose gets shipped to MIB and stored. It generally isn't there until and unless you do so. If you "forget" to disclose that you have seen a doctor who might have some incriminating evidence in regards to your AAS use on file, no one is any the wiser. They won't even call that doc to pull your file or know that you had ever even seen him. MIB is nowhere near as comprehensive as the credit bureaus are (although the LI industry would like you to believe it is)

Most docs will agree not to put certain sensitive things in your file if you ask. Mine has agreed not to put several very damaging things in my file. They're not friends with the insurance industry by any means. All you have to do is ask. If they say no, they're not comfortable with that request, don't disclose if you're worried about it.

Second, even if you make a material misrepresentation on your application, almost every state has what is known as an incontestability clause, which, at least in California, means that even if a material misrepresentation is found, if two years has elapsed, the company cannot deny a claim nor can your coverage be canceled.