A prescription check database is an electronic record system that compiles pharmacy fill histories and medication information for individuals, used by life insurers as part of underwriting and anti-fraud efforts. With appropriate authorization, carriers can query these databases to verify prescription drugs an applicant has been dispensed, including dates, dosages, and prescribing physicians. The data helps underwriters cross-check disclosures on applications, identify undisclosed conditions, and better assess risk. Prescription databases are maintained by third-party vendors who aggregate information from participating pharmacies and pharmacy benefit managers, subject to privacy regulations and consumer consent requirements.

In day-to-day underwriting, prescription check databases are routinely ordered for fully underwritten and many simplified-issue cases. Underwriters compare the medication history with the applicant's stated medical conditions, looking for red flags such as cardiac drugs, insulin, or psychiatric medications that were not disclosed. When discrepancies arise, carriers may request additional information or attending physician statements. Advisors explain to clients that prescription checks are standard practice and that full disclosure is essential to avoid delays or adverse decisions. For accelerated underwriting and automated programs, real-time prescription database results can significantly speed up decisions while still managing mortality risk.