Are You On “The List”?

If you're shopping around for a new health insurance policy, and you've applied for individual health, life, disability or long-term-care insurance in the past seven years, go to www.MIB.com to see whether this insurance industry antifraud group has a file on you. Request a copy (it's free) to make sure the information provided about your health status is right. If you find a mistake, ask for a correction in writing ASAP because the slightest errors can drive up your premiums by hundreds of dollars a year.