Some carriers will order an APS over a sneeze, while others only use it for the more serious things.
Several years ago an underwriter told me that probably 90% of the time an APS for health underwriting was a waste of time & money. He said they only alter an outcome in perhaps 10% of the cases.
The carriers I have found who are LEAST likely to order an APS are Aetna, Golden Rule (except for their idiotic HBQ) and KP.
All the others are throwing their money away and making it much more difficult to make a living.
Several years ago an underwriter told me that probably 90% of the time an APS for health underwriting was a waste of time & money. He said they only alter an outcome in perhaps 10% of the cases.
The carriers I have found who are LEAST likely to order an APS are Aetna, Golden Rule (except for their idiotic HBQ) and KP.
All the others are throwing their money away and making it much more difficult to make a living.