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Okay, so to begin with, I am sorry that this occurred. The insurance companies have gone through a lot of changes with Covid19 being so ever present. That being said, insurance companies have access to a "database" named the MIB (Medical Information Database, not Men In Black), in which they are able to see that he is on certain medications that he may not have been on in the past as well as other basic information that all medical establishments may provide without violating HIPAA. They are not privy to hobbies as well as habits, unless he has specifically mentioned anything either to the insurance company or to the paramed (person who did the exam).

Yes, the insurance carrier is allowed to a background check as well as credit check on covered persons. But even there, they have limitations. Such as, while they provide the client with a 10 day free look period, to make sure that the insurance is what the client wants. The carrier has a 2 year free look period into it's client. When the client opts to make any changes to said plan, the 2 year window starts back from zero.

Being that they declined you husband decreasing his life insurance from 100k to 25k, the carrier is mandated to provide their proof in writing to your husband. But, have they also ended his 100k in coverage or is that still in effect?

I am an independent insurance broker, if you would like to ask any further questions, I am more than happy to assist. My email is benefits at hfkane dot com.
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