Occasionally we request an APS from the proposed insured's doctor to clarify or confirm medical history or to clarify the degree of a stated medical impairment and to ensure the proper risk classification. You can help reduce the number of APS requests and expedite underwriting by providing the following for each doctor:

• Name
• Address
• Phone number
• Reason and dates consulted
• Diagnosis
• Dates of treatment
• Medication and dosage
• And degree of recovery

Let us know if one doctor has all the medical records since we may be able to obtain that report only. We frequently use outside services to obtain the APS more quickly. These companies also provide follow-up service and are dedicated to obtaining medical records as quickly as possible. We may ask for your assistance to expedite handling.

APS IN LIEU OF EXAM
We will accept an APS report of a complete routine checkup within six month if the results are equivalent to an insurance examination, the applicant has no significant impairments, and the medical questions on the application are complete, within these limits: age 0-50, $500,000.

Other medical information obtained from tests, such as blood profile, fingerstick and EKG, must still be provided. Paramedical examiners can administer the needed tests without performing a complete paramedical exam. We may request a regular exam if the information in the APS is not equivalent to what we ordinarily obtain in an insurance exam.