attending physician statement

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attending physician statement

A form of evidence of a person’s insurability, where an insurer’s underwriting organisation relies on physician's office notes, labs, X-rays and operative notes to determine an applicant's state of health in lieu of requiring a medical exam.

APSs are normally supplied by doctors at the request of the underwriter, subject to applicable state laws and regulations relating to the patient's right to privacy.

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Those tools, combined with personal interviews using drop-down software to further probe suspicious answers to scripted questions, provide underwriting results equal in quality to those developed with attending physician statements, Hobbs said.

Common denominators: faster ways to underwrite individual life policies will help insurers reach more producers and different customers. (Life/Health: Selling)