Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
When an underwriter requests an "attending physician statement" (APS), the insurer is asking for:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
An attending physician statement (APS) is a report from the doctor or doctors who have examined or treated the applicant, providing medical history, diagnoses, and current treatment details. The insurer requests the applicant's written authorization to obtain the APS, then contacts the physician directly. The APS supplements the application and MIB report when the underwriter needs more detail about a condition. It is not an employer statement, an agent authorization, or a driving record; those are separate sources such as DMV reports and employer questionnaires.
Why the other options are wrong
- B) Employer information may be gathered separately for occupational risk, but the APS comes from the treating physician.
- C) The agent does not provide the APS; the physician does, with the applicant's authorization.
- D) Driving records come from the DMV, not from the APS.
Memory hook
APS = the doctor's chart, pulled straight from the treating physician's files.