Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
An attending physician's statement (APS) obtained during underwriting is used to:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
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.
Why the other options are wrong
- B) The APS reports the applicant's medical history as documented by the attending physician. It does not certify the accuracy of the agent's report.
- C) The signed application remains the foundation of the contract. The APS is supplementary medical evidence requested during underwriting.
- D) An APS is one input into the underwriting decision and never guarantees that the applicant will be issued a policy.
Memory hook
APS = the doctor's office file, subpoenaed by the underwriter for the risk file.