Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
When underwriting a life insurance application, an attending physician's statement (APS) 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 (APS) is a report the insurer requests from the applicant's personal physician containing medical history, diagnoses, treatments, and current condition. The insurer uses the APS, often together with the MIB report, medical examination, EKG, and blood tests, to evaluate the risk when the application or exam reveals a condition needing review. The APS is obtained with the applicant's authorization and is a key underwriting tool.
Why the other options are wrong
- B) The agent's favorable letter has no medical authority; the APS is a physician's record.
- C) The APS is medical, not financial or income-related.
- D) Employer statements about job duties are an occupational questionnaire, not an APS.
Memory hook
APS = your doctor's file in the underwriter's hands: history, treatment, and current status.