Boiler Plate Authorizations vs. Physican Release Information

[Dynalysis of Princeton <mail@dynalysis.com>]

I have some questions about  "boiler plate" authorizations.  Does  the
boiler plate authorization included in an insurance application for life
or auto insurance,  have a death?  Or once signed, does it remain active
for two years, etc. as stated in the application?  If the insurance
company does not grant a policy to the consumer who provides the boiler
plate, does the authorization automatically end? Does the applicant have
the right to rescind the authorization and to stop the insurance company
from using the authorization . More importantly in reference to the
insurance application process itself, does a consumer forfeit their
right to  communicate with physicians and healthcare providers, ask that
they provide only certain information in reference to the application
no matter what the boiler plate says, so that  private records belonging
to the patient, i.e., private conversations about family, therapy
records, etc., can be protected?