APS summary is a concise overview of the information contained in an attending physician statement, typically prepared in bullet or outline form to support efficient underwriting review. Unlike a full narrative, which may provide rich context and commentary, an APS summary lists diagnoses, dates, medications, diagnostic tests, and treatment outcomes in a structured, factual format. It helps underwriters quickly verify the presence or absence of key impairments and cross'check disclosures from the application and paramed exam. APS summaries reduce the need to re'read lengthy records and create a consistent way to document medical evidence across files. They also serve as a baseline record in the event of future appeals or regulatory review.

Underwriting teams and nurse reviewers prepare APS summaries routinely for cases where physician records are obtained, especially at higher face amounts or older ages. Reinsurers may request the summary as part of a facultative submission package. Internal quality'control or audit teams use APS summaries to confirm that key facts were recognized and that the final decision aligns with guidelines. Advisors seldom see the summary but feel its impact when they receive quicker, clearer decisions on medically complex cases. Understanding APS summaries helps BGAs appreciate why complete, well'organized medical records"combined with strong summarization"lead to smoother underwriting and more defensible outcomes.