In underwriting, an attending physician's statement is used to assist in which process?

• A. To verify beneficiary status
• B. For premium calculation
• C. To determine policy loans
• D. In underwriting decisions

Answer: (D)

An attending physician's statement is a medical report from the applicant’s doctor that gives the insurer current health details, diagnoses, prognosis, treatments, and medications. The underwriter uses this information to assess the applicant’s risk more accurately and decide whether to issue the policy, and at what rate, or with exclusions or riders. It provides professional medical insight that can confirm or adjust what the applicant’s records and answers suggest, helping determine eligibility and pricing. It isn’t used to verify beneficiary status or to decide policy loans (which depend on features like cash value or loan provisions).