2024

An attending physician’s statement (APS) is a report that insurance companies may request from your family doctor as part of your insurance application. The insurer may require an APS as one of their standard requirements or to investigate information received from your health interview or paramedical testing. The underwriting service will send a request to your doctor and follow up until the report is received. If your doctor hasn’t provided the APS after several weeks, the insurer may ask you to contact the doctor’s office with a reminder.

When speaking with Doctors of BC members about life insurance, I am often asked, “How much do I really need?” The answer depends on a few key areas of consideration, and there is no one-size-fits-all approach. An experienced advisor can help you walk through your specific situation and will generally look at the following areas:

Clinical and legal guidance on how physicians can conduct capacity assessments of patients based on statutory and common laws.

Provincial implementation of the Vancouver Chest Pain Rule was associated with 1300 fewer hospitalizations annually and fewer consultations, follow-up visits, diagnostics, and adverse cardiac events.