Electronic health records (EHRs) are digital clinical files maintained by providers that include diagnoses, medications, allergies, labs, imaging, and visit notes. They standardize documentation and enable secure exchange between systems. In underwriting, EHRs provide rapid, structured insight into an applicant's history, complementing attending physician statements. Access requires proper HIPAA authorization and careful handling to preserve privacy and data integrity.

BGAs integrate EHR feeds to gather labs, diagnoses, and medication histories quickly. Advisors still confirm accuracy with clients, since code sets can be incomplete. For accelerated underwriting, EHR data can replace exams, but red flags will trigger full APK. Teams follow GLBA and HIPAA standards for storage and transmission to avoid breaches.