Attending Physician's Statement (APS)

Provide the underwriter with medical records and treatment history from the applicant's own physician — The attending physician's statement (APS) is a report from the applicant's personal physician detailing the applicant's medical history, treatments, diagnoses, and current condition. Underwriters request it when the application or MIB report raises questions that need clarification, and it helps confirm the applicant's health status for risk classification. An APS certifies medical history, not the agent's report; it does not replace the application; and it does not guarantee issuance — it is one input into the underwriting decision.

National insurance concept

A report from the applicant's personal physician detailing the applicant's medical history, used by the underwriter to evaluate the risk — An attending physician's statement is a report from the applicant's own doctor that supplies the underwriter with the applicant's medical history, diagnoses, treatment, and current health status. It is requested when the application or a medical examination reveals conditions that need further review. The APS supplements the application and any medical exam, and the applicant must authorize its release, usually through the application's authorization provision.

National insurance concept