Consent to disclose is a document or clause through which a client authorizes an insurer, advisor, or institution to share specific personal information with designated third parties, such as other professionals, family members, or plan sponsors. In insurance, it often relates to sharing medical, financial, or policy information for underwriting, plan administration, or claim handling. Proper consent to disclose is required by privacy and confidentiality laws and must clearly specify what information can be shared, with whom, and for what purposes. Without consent, organizations may be restricted from sharing information even when doing so would help coordination of care or planning.

Advisors use consent-to-disclose forms when coordinating with attorneys, CPAs, employer plan sponsors, or family members who assist with planning. Carriers may request special consent to communicate medical underwriting decisions or claim details to third parties. Compliance teams ensure forms meet HIPAA, GLBA, and state privacy standards. Advisors explain that consent is voluntary and can usually be revoked, but that granting it may streamline collaborative planning. Understanding consent to disclose helps advisors balance client privacy with the benefits of team-based advice and support.