Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
An attending physician's statement (APS) used in life insurance underwriting is:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
An attending physician's statement is a report obtained by the insurer from the physician who has been treating the applicant. It contains the applicant's medical history, diagnoses, treatment, and current condition, and is requested when the application or the medical exam raises questions that require a physician's records. The applicant signs a release permitting the doctor to provide this information to the insurer.
Why the other options are wrong
- B) The insurer's medical director reviews records and makes underwriting decisions; the APS comes from the treating physician.
- C) A company-appointed physician performing an examination produces an examination report, which is different from an APS.
- D) The applicant's signature appears on the application and releases, not on an APS.
Memory hook
APS = the doctor's notes, subpoenaed by underwriting. It tells the insurer what the exam and the application do not.