LLQP Life Insurance · Component 3.1 · 25% of the exam
An Attending Physician's Statement (APS) is:
- AAn examination by the insurer's own doctor, arranged at the insurer's expense when the application is large
- BA form the agent completes describing the applicant's apparent health at the time of the interview
- A report from the applicant's own doctor, requested by the underwriter with consent, giving history and current condition
- DA government health record that the insurer obtains from the provincial health plan with the applicant's consent and a small fee
Correct answer: C) A report from the applicant's own doctor, requested by the underwriter with consent, giving history and current condition
The APS is a standard underwriting tool when the application discloses a condition or the amount warrants it. It takes time to obtain, which is one cause of delays — a point to manage in the client's expectations.
Why the other options are wrong
- AAn exam by the insurer's doctor is a medical exam, not an APS.
- BThe APS comes from the physician, not the agent.
- DIt is not a government record.
Exam tip
APS = the applicant's own doctor's report, with consent. It is the most common cause of underwriting delay — set expectations.
Common mistake
Promising a quick issue when an APS will be needed.
What this tests
CISRO competency component 3.1 — Implement a recommendation adapted to the client's needs and situation — which is weighted at 25% of the Life Insurance module. Written against the published curriculum.
More from component 3
- At policy delivery, the agent should obtain:
- The effective date of a life insurance policy is generally:
- A client's application is approved but he has not paid the first premium when the policy is delivered. The agent should:
- A pre-authorized debit form is part of implementation because:
- During implementation, the agent learns the client wants the policy owned by her corporation instead of personally, as first applied for. The correct step is:
- Which of the following is a legitimate reason an insurer might refuse to issue a policy even after favourable underwriting?
Practice the whole Life Insurance module
Timed sets weighted like the exam, and review of every question you miss. Free to start.