What is MIB?
MIB Group, Inc. is a member-owned corporation that has operated on a not-for-profit basis in the United States and Canada
since 1902.
They offer an applicant-authorized, highly safeguarded database used to share information
between insurance companies.
MIB’s Underwriting Services are used exclusively by MIB’s member life and health insurance
companies to assess an individual’s risk and eligibility during the underwriting of life, health,
disability income, critical illness, and long-term care insurance policies.
These services alert underwriters to errors, omissions or misrepresentations made on
insurance applications. By mitigating these risks, MIB may help lower the cost of life and
health insurance for consumers by keeping applicants in appropriate risk groups.
What are MIB codes?
MIB’s coded reports represent different medical conditions and other non-medical risks—such as hazardous hobbies, adverse
driving records and drug history—that may affect the insurability of the applicant.
Why do we use MIB?
MIB is one of our main tools for underwriting and risk assessment. Having the appropriate plan in place ensures coverage in the
event of an early claim.
• For non-medical plans (up to Simplified Elite and Express Elite), only MIB alerts concerning impairments on our application
are considered.
• If an alert is reported on an applicant, underwriting will proceed with one of three options:

  1. MIB alert not significant – proceed as applied.
  2. MIB alert significant – verification to clarify history. Proceed, depending on information received.
  3. MIB alert significant and definitive – MIB Letter Sent

Requesting an MIB consumer Report: A step-by-step Guide

  1. ‘Reply all’ to MIB email received from Canada Protection Plan.
    • Advise the case manager that the client will be proceeding to request their MIB consumer report.
  2. Have your client:
    a. Call MIB at 416-597-0590 or 1-866-692-6901 (French and English); or,
    b. Go online to request their Consumer File. Choose option 2.
  3. It may take up to 15 business days for your client’s file to arrive in the mail.
    • We can keep a file open for 3 weeks if a client wishes to pursue MIB.
  4. Once received, ask your client to review the translated report.
    If they:
    a. Agree with the report and want to accept the alternate offer (presented in body of email to MGA), advise case manager in
    writing with issue instructions.
    b. Do not agree and would like to dispute their report, they can request MIB to complete a reinvestigation of their MIB
    Consumer File.
    • Have your client contact MIB at infoline@mib.com or by mail to the MIB Disclosure Office, 330 University Avenue, Suite
    501, Toronto, Canada M5G 1R7.
    • Reinvestigation information and form will also be included in their consumer report letter.
    • It may take up to 30 days for corrections to be made. We ask that you close the file and re-apply once codes have been
    removed or corrected by the coding company.
  5. Once client receives notice from MIB that codes have been updated, please advise New Business/Underwriting so we can do
    a re-check of the MIB rep