Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
When an applicant's medical history or MIB report suggests a health condition, the underwriter will most likely request:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The attending physician statement is a report prepared by the applicant's treating physician that describes the medical condition, treatment, medications, and prognosis. Underwriters request an APS to verify and clarify health information revealed on the application or by the MIB report, enabling an accurate risk classification. The APS is a key underwriting source when the applicant has a known medical condition. It is obtained only with the applicant's authorization. The statement supplements the application and exam information rather than replacing them.
Why the other options are wrong
- A self-serving statement from the applicant is not independent medical evidence of the applicant's health and cannot verify the records.
- Tax returns are financial documents used for income verification, not for evaluating an applicant's medical condition.
- The producer's license and errors and omissions policy concern the agent's qualifications, not the applicant's health history.
Memory hook
APS = the doctor's written word. The underwriter wants the file, not a handshake promise.