Asupplemental attending physician’s statement (APS)is requested by the insurer during underwriting when additional medical information is needed to assess the applicant’s risk, particularly if it could affect the underwriting decision. Oklahoma regulations (Title 36 O.S. § 1204) and HIPAA require the applicant’s consent for obtaining medical records, ensuring privacy and transparency.
Option A: Incorrect. An APS is not routine; it’s requested based on specific needs.
Option B: Incorrect. The applicant’s consent is required for medical information requests.
Option C: Incorrect. Applicants typically do not request an APS; insurers do.
Option D: Correct. An APS is appropriate when requested by the insurer with the applicant’s consent for underwriting purposes.
[:, Prometric Oklahoma Life, Accident, and Health or Sickness Producer Exam Content Outline (Section: General Knowledge – Underwriting)., Oklahoma Insurance Department, Title 36 O.S. § 1204 (insurance business conduct)., Standard insurance study guides (e.g., Kaplan, ExamFX) for Oklahoma producer licensing., ]
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