Sources We May Use to Get More Information
The MetLife family of companies ("MetLife") receives information concerning individuals who apply for or obtain products or services from us. MetLife uses this information only for business purposes. These business purposes include administering our products, processing requested transactions and claims, and evaluating requests for insurance, banking and other products and services we offer.
What we know about you (and, if you’re buying insurance from us, what we know about anyone else to be insured) we get mostly from you. But we may also have to find out more from other sources in order to make sure that what we know is correct and complete. Those sources may include adult relatives, employers, consumer reporting agencies, health care providers and others. Some of our sources may give us reports and may disclose what they know to others. We may ask for medical information about you from these sources. If you applied to us for insurance, the "Authorization" that was signed when you applied permits these sources to tell us about you. So we may, for instance, at our expense:
- Ask for a medical exam
- Ask for blood and urine tests
- Ask health care providers to give us health data, including information about alcohol or drug abuse
We may also ask a consumer reporting agency for a "consumer report" about you (or anyone else to be insured). Consumer reports may tell us about a lot of things, including information about:
If we ask an agency for an "investigative" report about you – which means that they will ask others about you – we will ask them to contact you as well.
The information may be kept by the consumer reporting agency and later given to others as permitted by law. The agency will give you a copy of the report it provides to us, if you ask the agency and can provide adequate identification. If you write to us and we have asked for a consumer report about you, we will tell you so and give you the name, address and phone number of the consumer reporting agency.
One commonly used source of information is MIB Group, Inc. ("MIB"). It is a nonprofit association of life insurance companies. We and our reinsurers may give MIB health or other information about you. If you apply for life or health coverage from another member of MIB, or claim benefits from another member company; MIB will give that company any information that it has about you. If you contact MIB, it will tell you what it knows about you. You have the right to ask MIB to correct its information about you.
You may do so by writing to MIB, Inc., P.O. Box 105, Essex Station, Boston, MA 02112, by calling MIB at (866) 692-6901 (TTY (866) 346-3642 for the hearing impaired), or by contacting MIB at www.mib.com.