APS stands for what underwriting document?

• A. Attending Physician's Statement
• B. Annual Premium Schedule
• C. Authorized Policy Statement
• D. Applicant's Personal Statement

Answer: (A)

In underwriting, the Attending Physician's Statement is a form the underwriter uses to obtain medical details directly from the applicant’s doctor. It provides a professional description of the applicant’s diagnosis, medical history, current condition, treatments, medications, lab results, and prognosis. This report helps verify the applicant’s health information and assess risk more accurately, especially when there are existing conditions or unclear medical details.

The other options don’t fit as standard underwriting documents: an Annual Premium Schedule is simply a plan of premiums and not a medical report; an Authorized Policy Statement isn’t a recognized underwriting document; and an Applicant’s Personal Statement would be the applicant’s own narrative, which is not the physician-supplied medical detail the underwriter relies on for medical risk assessment.