So do you think UW contacted my client? I told them after the PHI that they might contact them.
In making a decision they rarely will call your client, and will notify you if indeed they do call them. Outside of doing a PHI or setting up a date for the paramed, for a general rule, they will not call.
If they need more information, basic stuff like address missing or dob, something like that they will call you and not the client. That is part of the agents job, filling out aps correctly.