A medical records release, often called an authorization for release of health information, is a legal document that allows an insurer, physician, or other authorized party to obtain an individual's medical records from healthcare providers. In the context of life and health insurance underwriting, carriers frequently require applicants to sign a HIPAA-compliant medical records release so they can order attending physician statements, hospital records, lab results, and test reports. The release specifies what information may be disclosed, to whom, and for what purpose, and it often includes time limits or revocation rights. Without a signed medical records release, insurers are generally unable to access the detailed clinical information needed to evaluate mortality or morbidity risk accurately. Proper handling of these releases is critical for privacy compliance, data security, and maintaining trust between applicants, providers, and insurance companies.

In day-to-day processing, a medical records release is typically included with the initial application package or e-signature bundle. Case managers track whether the client has signed the authorization so the carrier can order an APS when needed. If a physician's office is slow to respond, the brokerage or carrier may resend the release, verify its validity period, or request a freshly signed version. Producers often explain to clients that the medical records release does not give the insurer blanket, indefinite access, but rather limited permission for underwriting or claims purposes. In some situations, attorneys or fiduciaries use separate releases to gather records for contestable claims or policy rescission reviews. Given heightened awareness of HIPAA and privacy regulations, agencies are careful to store and transmit medical records releases securely, often using encrypted portals, electronic signature platforms, or specialized medical record vendors to manage the flow of sensitive health information.