Attending Physician Statement

In underwriting a large policy, the insurer orders an ATTENDING PHYSICIAN STATEMENT (APS) and an INSPECTION REPORT. These sources differ in that the APS provides:

1. A.The agent's personal observationsWrong-but-tempting. Those belong to the AGENT'S REPORT - a fourth source.
2. B.Medical treatment history from the applicant's own physician, while the inspection report covers lifestyle and financesCorrect. Clinical versus investigative sources.
3. C.Credit scores exclusivelyWrong. Credit data flows through consumer reports.
4. D.The insurer's own examination resultsWrong. Insurer-ordered EXAMS are a third, separate source.

Why: The attending physician statement obtains treatment history from the applicant's doctor, while inspection reports investigate finances, habits, and reputation through third-party interviews - complementary underwriting inputs with different subjects. Citation: underwriting information sources. Takeaway: APS = the doctor's records; inspection = the investigator's findings.

An applicant discloses a heart condition treated over the past five years. The paramedical exam is already complete and the MIB returned a matching code, but the underwriter still needs diagnosis dates, test results and the treatment history. She should next order:

1. A.A repeat MIB inquiryThe MIB already returned its code. Querying again produces the same brief alert, not the underlying records.
2. B.A second paramedical examinationA paramedical exam records current height, weight, blood pressure and fluids. It cannot reconstruct five years of clinical history.
3. C.An attending physician statement from the treating doctor, with the applicant's authorizationCorrect. It is the only source in the list that supplies the treating physician's diagnoses, dates, test results and treatment history.
4. D.An inspection report from a consumer reporting agencyInspection reports cover lifestyle, occupation, habits and finances gathered from interviews, not physician records.

Why: Each underwriting source answers a different question. A paramedical exam captures current measurements. An MIB code flags that something exists. An inspection report gathers lifestyle, occupational and financial information from interviews. Only an attending physician statement, obtained with the applicant's authorization, provides the treating doctor's clinical record: diagnoses, dates, test results and treatment. The clue is the demand for clinical history rather than current condition. Review: sources of underwriting information.