Crafted for Life Insurance Underwriters and Life Settlement Providers
APS Medical Summarization Services
APS medical summarization is the process of condensing an Attending Physician Statement, often 500 pages or more of diagnoses, treatments, medications, lab results and physician notes, into a structured, source-referenced summary an underwriter can use to assess risk without reading the full record.
LezDo TechMed turns lengthy attending physician statements into clear, structured APS summaries for life insurance underwriting, disability underwriting and life settlement review. Our AI-assisted workflow, reviewed by trained medical professionals, extracts the risk-relevant details and organizes them so your team can decide faster, without reading every page. Standard turnaround is 24 to 48 hours for records up to 500 pages.
12,000+
APS Summarized Annually
500+ pages
Per APS Case Length
24-48 hours
Standard Turnaround
50:1
Average Compression Ratio
Why APS Summarization Matters for Underwriters
An APS can run 500 pages or more, covering years of visits, labs, specialist consults and treatment history. Reading every page by hand is not a workflow. It is a bottleneck. When an underwriter works straight from the raw record, hours disappear into details that a good summary would surface in minutes, and the risk of missing one line that changes the decision goes up, not down.
A structured APS summary changes that. LezDo TechMed extracts what matters for the risk decision, organizes it, flags gaps and inconsistencies, and formats it the way your underwriters actually read. A 500-page file becomes a decision-ready summary of roughly 10 to 15 pages, with every finding traceable back to its source page. Your team spends its time on judgment, not on page-turning.
Who We Serve
Life Insurance Underwriters
Risk assessment for new applicants and policy renewals
Disability Insurance Underwriters
Functional limitation and treatment compliance analysis
BGAs (Brokerage General Agents)
High-volume APS processing for carrier submissions
Life Settlement Providers
Medical history and prognosis review for life settlement valuation
Claims Adjusters
APS review to validate or dispute insurance claims
APS Summary Features
Vital Signs Review
Our APS medical records summarization captures every detail such as height, weight, blood pressure, Body Mass Index, respiration, and heart rate.
Social History Analysis
Life insurance underwriting requirements include both recreational and smoking or alcohol use.
Review of Screening Reports
Our APS summary captures reports of episodes like depression, anxiety, fall risk, and suicidal ideation screening results.
Chronology/Narrative Summary
Our chronology/narrative summary contains all visits, notes, labs, and test results along with DOS, facility/provider name.
Occurrence & Treatment Analysis
Our medical report summary includes all the illness, their starting point, treatments, progress and current status.
Laboratory Results Analysis
We cover abnormal and significant lab panels in the specified period as per client request or case requirement.
Travel History Analysis
We include the insured's foreign travel in pandemic periods, war, countries with communicable diseases & other critical conditions.
Work Status & Disability Analysis
Our medical record summary service captures difficulties in ADL, disabilities if any, physical limitations, and work status in detail.
Underwriting Remark
Our APS summarization report identifies controversial physician statements, errors in value, vitals in records and flags missing records.
Medical Histories Analysis
Our APS summary captures all past & pre-existing medical and surgical conditions with diagnosis date and onset info.
Radiology Finding Analysis
Our APS underwriting covers all radiology reports, except pregnancy ultrasound and duplicate studies.
Financial Strength Analysis
Our APS medical summarization samples cover the date and cause of loss of job and financial struggles.
Health Overview
We sift all problems, diagnosis, surgeries and treatment compliance to easily understand the applicant's conditions for risk.
Customized Summary Format
Our APS summary service provides 5 different formats for the clients to choose from and customize to their needs.
Medications Analysis
Our APS insurance summary covers all the medications prescribed in the last 12 months and are taken currently, their dosage and frequency.
Family History Review
Our life insurance APS underwriting family history section captures major health illness with first degree family relations if any.
Risky Hobbies Analysis
Our APS life insurance summary identifies high-risk hobbies like skydiving, rock climbing, and extreme sports.
Health Snapshots
Our APS summary lists the overall health status of the applicant at a glance for quick reference.
Effective Proofreading
Our APS summarization services include thorough proofreading to ensure accuracy and completeness.
Our APS Summary Formats
| Format | How records are organized | Best for |
|---|---|---|
| Chronological | By date of service, in time order | Seeing disease progression and treatment timeline |
| Condition-specific | By diagnosis or body system | Pre-existing condition review and comorbidity analysis |
| Provider-based | Grouped by treating physician | Identifying treating providers and care patterns |
| Issue-focused | Only the records tied to a defined issue | Targeted risk questions and defined date ranges |
Our APS Summarization Process
1
Record Receipt
Upload APS records via secure portal in any format (PDF, scanned images, electronic records).
2
Case Instructions
Specify summary type (chronological, condition-specific) and key issues to highlight.
3
AI-Assisted Review
AI supports the review process by identifying key diagnoses, treatments, and prognosis from medical records.
4
Gap Identification
Flag missing records, unexplained treatment gaps, and inconsistencies requiring follow-up.
5
Summary Creation
Create organized summary with page citations, medical terminology clarification, and key findings.
6
Delivery & Support
Receive comprehensive summary with unlimited revisions and ongoing case support.
Trusted by Leading U.S. Insurance Carriers
LezDo TechMed's APS medical summarization is trusted by both individual insurance companies and some of the leading brokerage general agencies in the United States.
American National Life Insurance
Transamerica Life Insurance
New York Life Insurance
Auto Owners Life Insurance
AAA Life Insurance
NACOLAH
Securian Life
MTL Insurance
State Life
Fabric Insurance LLC
American United Life
Minnesota Life Insurance
What Makes Us Unique in APS Summarization?
Expert Review
Our certified medical record summarizers bring deep experience in life insurance, disability, and life settlement cases, delivering summaries that translate complex records into clear risk decisions.
Comprehensive Summary
Every APS summary covers diagnoses, treatments, medications, vitals, lab results, functional limitations, and physician observations, giving the complete medical picture, without returning to source records.
Three Tier Quality Audit
Every summary passes three-tier quality audits for clinical accuracy, completeness, and formatting consistency before it reaches your desk.
24-48 Hour Delivery
Standard turnaround for APS summaries up to 500 pages is 24 to 48 hours, with expedited delivery available for urgent underwriting deadlines.
High Volumes Capability
From BGAs processing hundreds of monthly APS files to carriers managing seasonal spikes, our APS summary team scales to your workload without compromising turnaround or accuracy.
Customized Formats
Five standard APS summary formats plus full customization via CaseDrive-we work to your template, your format becomes our delivery standard.
Cost Effective
Per-page pricing with volume-based discounts, transparent invoicing, and no hidden fees- the more you process, the lower your per-unit cost.
HIPAA Compliant
Our APS underwriting is HIPAA compliant and shares the files via secured cloud drive ensuring data privacy and security. Leave your data with us and feel safe.
How Our APS Summaries Differ
Identify pre-existing conditions vs. new injuries
Establish disease progression and medical causation
Support disability and insurance claims
Reduce manual record review by more than 95%
Time Savings
Review time reduction
-95%
Compression ratio
50:1
Client hours saved
20-40 hrs
Cost per page
$0.50-1.00
Frequently Asked Questions
Need clarifications on our APS medical summarization services? We will help you sort out!
Looking for a clearer view of complex medical histories?
Our APS summary services help you review faster and decide with confidence.
