MIB Group, Inc (formerly The Medical Information Bureau Inc.) is a cooperative data exchange formed by the North American life insurance industry in 1909. MIB is the only insurance consumer reporting agency in North America[citation needed] and operates a database of medical information on some individuals who have previously applied for health insurance, life insurance, disability insurance, critical illness insurance and long-term care insurance. Not everyone who has applied for insurance is included in MIB's database.[1] MIB Group, Inc. is based in Braintree, Massachusetts.