An attending physician's statement would be appropriate for which life insurance purpose?

• A. For underwriting decision
• B. At the request of the insured to determine beneficiary
• C. To modify policy terms
• D. To determine premium amounts at renewal

Answer: (B)

An attending physician’s statement is a medical report used to provide current health information to the insurer, helping underwriters assess insurability and risk. In the scenario given, the form would be most appropriate when the insured themselves asks for medical information to inform a specific personal decision about the policy, such as determining who should be named as the beneficiary. This is about the insured obtaining and presenting medical context to support that choice.

The other options describe actions that are driven by underwriting decisions or policy changes rather than a request by the insured to guide beneficiary selection. While an APS can influence underwriting, the situation described emphasizes the insured requesting information to determine a beneficiary, which is why this option fits best.