What is the primary purpose of Attending Physician Statements in underwriting?

• A. They replace the medical exam
• B. They determine the policy's premium immediately
• C. They verify the applicant's medical conditions declared on the application
• D. They set the death benefit amount

Answer: (C)

Attending Physician Statements are used to verify and clarify medical information by obtaining details directly from the applicant’s doctor. This helps the underwriter confirm the accuracy of illnesses, diagnoses, treatments, prognosis, and current health status as declared on the application. It provides a clearer picture of risk beyond what the applicant reports, ensuring the underwriting decision reflects true medical reality. It does not replace a medical exam, and while the findings can influence how the policy is rated or whether it’s approved, they do not immediately set the premium or death benefit—the underwriting review uses the APS along with all other information to determine those terms.