---
title: Do life insurance companies check my prescriptions
url: https://coverfolk.com/answers/prescription-history-check
updated: 2026-10-08
---

# Do life insurance companies check my prescriptions?

Updated October 8, 20263 sourcesCoverfolk team[Fact checked](/editorial-standards)

The short answer

Yes. Most insurers check your prescription history, even for many no exam policies.

Companies like Milliman IntelliScript collect records of the medicines you have bought. Life insurers use these to judge your health risk.

Underwriters look for prescriptions from the past five to seven years that point to health conditions.

Simplified issue policies skip the exam but still check prescription databases.

You can ask Milliman IntelliScript for a free copy of your report. Visit rxhistories.com or call 877 211 4816.

List all of your medicines on your application. If your answers do not match the records, it can cause problems.

## More questions

### Can I see what they see?

Yes. You can request your report for free and check it for mistakes.

### Why do they care about my medicines?

Medicines can point to health conditions. Underwriters use that to judge your risk and set your price.

## Words to know

[Simplified issue](/glossary)
:   A policy with a short application and limited health information. It usually costs less than guaranteed issue, but more than fully underwritten coverage.

## Sources

1. [CFPB: 2025 List of Consumer Reporting Companies](https://files-prod.consumerfinance.gov/f/documents/cfpb_consumer-reporting-companies_list_2025.pdf)
2. [NerdWallet: How Does Life Insurance Underwriting Work?](https://www.nerdwallet.com/insurance/life/learn/life-insurance-underwriting)
3. [NerdWallet: Simplified Issue Life Insurance](https://www.nerdwallet.com/article/insurance/simplified-issue-life-insurance)