What is your standard turnaround time for APS summarization?

Our standard turnaround time for up to 500 APS pages is 24-48 hours. We offer expedited services for urgent cases.

Can you handle every large APS files?

Yes. We regularly summarize APS records exceeding 1,000 pages using a layered approach that combines high-level overviews with detailed, issue-specific summaries.

Do you use standard templates or customize for your requirements?

We have standard APS summary templates. If you want us work on your own templates or tailor a new one, you can easily do that. We will work according to your requirements.

Can APS summaries be used for insurance underwriting or claims review?

Yes. Our APS medical summaries are commonly used for life, health, and disability insurance underwriting, claims evaluation, and coverage decisions.

Can you prepare APS summaries for long-term or chronic conditions?

Yes. We regularly summarize APS records involving chronic illnesses, degenerative conditions, and long-term treatment histories.

What type of security measures you follow?

We handle sensitive personal data through secure systems with strict confidentiality and HIPAA-compliant protocols.

Can you update an APS summary if new records are received?

Yes. We can update existing summaries as additional APS records become available.

Do you provide both high-level and detailed APS summaries?

Yes. We can deliver an executive-level overview along with a detailed summary, depending on your needs.

Do you identify changes in diagnosis over time?

Yes. We track how diagnoses evolve, resolve, or worsen over time to support accurate medical analysis.

Can you focus only on certain conditions or time periods?

Yes. We can create summaries limited to specific diagnoses or defined date ranges based on your case needs.

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Crafted for Life Insurance Underwriters and Life Settlement Providers

APS Medical Summarization Services

LezDo TechMed delivers APS medical summarization services that transform complex Attending Physician Statement into clear, structured summaries for life insurance underwriting, disability claims, and life settlement decisions.

Our AI-assisted workflow — reviewed by certified medical professionals — extracts every clinically relevant detail so underwriters can assess applicant risk accurately and close applications faster.

Book a Consultation Get Pricing

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 physician visits, lab results, specialist consultations, and treatment histories. Reading every page manually is not a workflow. It is a bottleneck. Underwriters who rely on raw APS records spend hours per application on details that could be surfaced in minutes. LezDo TechMed's APS summarization extracts only what matters, structured, flagged, and formatted for faster risk decisions, reducing review time by up to 95% and compressing 500 pages into a 10–15 page decision-ready summary.

Who We Serve

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Life Insurance Underwriters

Risk assessment for new applicants and policy renewals

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Disability Insurance Underwriters

Functional limitation and treatment compliance analysis

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BGAs (Brokerage General Agents)

High-volume APS processing for carrier submissions

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Life Settlement Providers

Medical history and prognosis review for life settlement valuation

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Claims Adjusters

APS review to validate or dispute insurance claims

APS Summary Features

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Vital Signs Review

Our APS medical records summarization captures every detail such as height, weight, blood pressure, Body Mass Index, respiration, and heart rate.

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Social History Analysis

Life insurance underwriting requirements include both recreational and smoking or alcohol use.

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Review of Screening Reports

Our APS summary captures reports of episodes like depression, anxiety, fall risk, and suicidal ideation screening results.

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Chronology/Narrative Summary

Our chronology/narrative summary contains all visits, notes, labs, and test results along with DOS, facility/provider name.

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Occurrence & Treatment Analysis

Our medical report summary includes all the illness, their starting point, treatments, progress and current status.

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Laboratory Results Analysis

We cover abnormal and significant lab panels in the specified period as per client request or case requirement.

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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.

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Radiology Finding Analysis

Our APS underwriting covers all radiology reports, except pregnancy ultrasound and duplicate studies.

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Financial Strength Analysis

Our APS medical summarization samples cover the date and cause of loss of job and financial struggles.

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Health Overview

We sift all problems, diagnosis, surgeries and treatment compliance to easily understand the applicant's conditions for risk.

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Customized Summary Format

Our APS summary service provides 5 different formats for the clients to choose from and customize to their needs.

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Medications Analysis

Our APS insurance summary covers all the medications prescribed in the last 12 months and are taken currently, their dosage and frequency.

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Family History Review

Our life insurance APS underwriting family history section captures major health illness with first degree family relations if any.

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Risky Hobbies Analysis

Our APS life insurance summary identifies high-risk hobbies like skydiving, rock climbing, and extreme sports.

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Health Snapshots

Our APS summary lists the overall health status of the applicant at a glance for quick reference.

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Effective Proofreading

Our APS summarization services include thorough proofreading to ensure accuracy and completeness.

APS Summary Formats

Chronological Summary

Medical history organized by visits in time order.

Condition-Specific Summary

Records organized by diagnoses or body system.

Provider-Based Summary

Medical history grouped by treating physician.

Issue-Focused Summary

Summarizes records only for specific conditions.

When to Use APS Medical Summarization

Disability Claims

Document functional limitations, work restrictions, and disease progression of disabling conditions.

Personal Injury Cases

Differentiate pre-existing conditions from injury-related medical issues to differentiate causation.

Medical Malpractice

Review treating physician documentation to assess standard of care and deviations.

Workers' Compensation

Distinguish work-related injuries or conditions from personal or prior medical conditions.

Life/Disability Insurance

Verify medical conditions, diagnoses, treatment compliance, and prognosis for coverage decisions.

Mass Tort Screening

Quickly identify qualifying conditions and exposure history across large case volumes.

Our APS Summarization Process

Record Receipt

Upload APS records via secure portal in any format (PDF, scanned images, electronic records).

Case Instructions

Specify summary type (chronological, condition-specific) and key issues to highlight.

AI-Assisted Review

AI supports the review process by identifying key diagnoses, treatments, and prognosis from medical records.

Gap Identification

Flag missing records, unexplained treatment gaps, and inconsistencies requiring follow-up.

Summary Creation

Create organized summary with page citations, medical terminology clarification, and key findings.

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?

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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.

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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.

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Three Tier Quality Audit

Every summary passes three-tier quality audits for clinical accuracy, completeness, and formatting consistency before it reaches your desk.

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24-48 Hour Delivery

Standard turnaround for APS summaries up to 500 pages is 24–48 hours, with expedited delivery available for urgent underwriting deadlines.

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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.

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Customized Formats

Five standard APS summary formats plus full customization via CaseDrive — we work to your template, your format becomes our delivery standard.

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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.

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HIPAA Compliant

Our APS underwriting agency 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