Disability Insurance Record Service

Disability Insurance Record Service

Identifying overinsurance for disability applicants.

For disability insurers, overinsurance presents a unique risk—one that MIB's shared intelligence can help reveal. DIRS flags the amount of disability income insurance applicants own, and if they have applied for new benefits from any other MIB member.

By combining a DIRS inquiry with an MIB Checking Service inquiry, disability insurers get a quick read on potential overinsurance and an applicant's health status simultaneously. In one step, you quickly get a clearer picture of two different underwriting risks.

All MIB Underwriting Services illustrate the power of the industry, MIB members working together to reveal relevant underwriting risk that could simply not be seen by any one insurer on its own.

To learn more about how MIB lets you Issue with Confidence, email info@mib.com or call 781-751-6130.

Understand protective value

In representative studies of MIB members, researchers found that the MIB Checking Service saved life insurers between $15 and $46 for every dollar spent depending on the line of business.

MIB Underwriting Services are operated by MIB, Inc.

Learn how MIB empowers underwriters with the knowledge they need, where and when they need it. Contact
More About Our Underwriting Services

"We wouldn't be in business without MIB; and without their services would have to charge exorbitant rates far above what we currently charge."