APS narrative summary is a condensed version of the full APS narrative that captures only the most material medical facts and underwriting conclusions in a brief, highly readable format. Whereas a full narrative may walk through multiple conditions in detail, the APS narrative summary focuses on the core impairments driving the final offer"for example, coronary artery disease with stents, type 2 diabetes with A1c history, or major depression with prior hospitalization. It typically includes diagnosis dates, most recent test results, control level, complications, and the underwriterTMs risk classification rationale. The APS narrative summary becomes a quick reference tool inside the file and is often used in internal discussions, reinsurance referrals, and appeals.

Underwriters prepare APS narrative summaries for complicated cases, very large death benefits, or files that are likely to be revisited, such as business'insurance or premium'financing cases. Reinsurance partners appreciate these summaries because they can quickly judge whether to support a proposed rating or offer a counter. Senior management, legal, and compliance teams may rely on the APS narrative summary when reviewing contested or appealed decisions. While producers do not receive the summary verbatim, its clarity often translates into better written explanations of substandard decisions. Understanding APS narrative summaries helps BGAs and advisors recognize why some cases move more smoothly through reinsurance and review channels: the underlying narrative work is strong and succinct.