---
title: "What Is APS (Attending Physician Statement (APS))? | Epic Life"
description: "An attending physician statement is a report or set of medical records that a carrier requests from your doctor so it can review your health history..."
url: https://epicline.preview.multisites.ai/glossary/attending-physician-statement
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Underwriting

# Attending Physician Statement (APS) (APS)

An attending physician statement is a report or set of medical records that a carrier requests from your doctor so it can review your health history during underwriting.

## Why it matters

Carriers order an APS when answers show a condition that needs detail, or for larger policies. It can slow approval by weeks. Applicants sign a release so doctors can share records. Records must be accurate and complete. Many simplified plans avoid the APS, but the carrier may still ask for one.

Source: [naic.org](https://content.naic.org/article/consumer-insight-life-insurance-roadmap)

[Read next, for familiesNo exam life insurance: simplified, guaranteed and accelerated options compared](https://epicline.preview.multisites.ai/life-insurance/no-exam-life-insurance)

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