The Medical Information Bureau (“MIB) and The Center For Life Insurance Disputes both perform policy searches for a fee. While no one wants to hurt such businesses by changing the dynamics of the manner and method of searches or either the fee-for-service structure, trying to find out if someone has falsified or concealed a life insurance policy in your name is not the type of information that should be fee based because insurance fraud is a violation of law. Certainly, and perhaps jointly, MIB and The Center For Life Insurance Disputes might even be the appropriate entities to develop and maintain a public database under law and with Industry support. Both the insured and the insurer stand to benefit in the discovery of life insurance fraud.
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