Life Insurance FundamentalsQuestion 143 of 716
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, with no medical condition reported on the form
b.The application or medical exam discloses a specific health condition that needs clarification
c.The application seeks a small face amount on a routine, fully underwritten plan with no medical flags
d.The applicant lives more than 100 miles from the insurer's home office, so a paramedical is impractical
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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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)