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An association life insurance companies providing information and database management services to the financial services industry. MIB's core fraud protection services protect insurers, policyholders and applicants from attempts to conceal or omit information material to the sound and equitable underwriting of life, health, disability, and long term care insurance.  Fair pricing of insurance products is largely dependent on accurate "risk assessment", "risk classification", and "risk selection".  A determination of these factors begins with the assurance of accurate health information supplied on the insurance applications.