Read what you just wrote.
“applies for life insurance”
“signs an authorization”
Nothing about that equates to “full and unfettered access to your medical records”.
Note to FReepers - Honest Nigerian isn’t.
He said you had to sign a authorization for the LIFE INSURANCE COMPANY to have access.
The low level clerks at the hospital do indeed have free and unfettered access to the data base that you insist does not exist.
It is not at all attractive how you lie about people.