Life Insurance FundamentalsQuestion 143 of 315
An Attending Physician Statement (APS) is most likely to be requested by an underwriter when:
a.The applicant is under age 25 and in excellent health
b.The application is for a small face amount and routine coverage
c.The application or medical exam discloses a specific health condition that needs clarification
d.The applicant lives more than 100 miles from the insurance company's home office
Explanation
The APS is a detailed report from the applicant's personal doctor about a specific diagnosis or treatment history. Underwriters request it when the application or paramedical raises a question that needs clinical clarification — for example, a heart condition or cancer history.
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