I have a client who has taken his paramed, has had at work health/wellness checkups, but has never been to the doctor in last 20 years. He is 34 years old. There are no doctor records. The life insurer is requesting Aps from doctor which there is not one. My question is what would be the most cost efficient way of doing this which would satisfy that requirement. do I send client to doctor for a routine physical or send him to a walk in clinic for a sore throat checkup which would be cheaper. Thanks for any input. Any suggestions or advice would be appreciated.