Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
An attending physician's statement (APS) in life insurance underwriting is best described as:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
When an application or paramedical exam reveals a health condition, the underwriter requests an attending physician's statement - a detailed medical report from the applicant's own doctor covering diagnosis, treatment, and prognosis. The APS is one of the underwriting information sources listed in objective LIFE-II.I.2, along with the MIB report, inspection reports, and credit or motor vehicle checks.
Why the other options are wrong
- B) The agent's report describes observations from the interview; the APS is a doctor's medical report.
- C) A certificate of insurability is a different document and is not supplied by the employer in individual underwriting.
- D) The APS comes from the attending physician, not from a government agency.
Memory hook
APS = the doctor's notes the underwriter borrows when the app says something is wrong.