Medical underwriting is a fundamental element of life and health risk assessment. Well founded underwriting guidelines and a thorough review of an applicant’s medical history enable insurers to provide their customers with competitive pricing while minimising risk. AGS supports quality management processes in underwriting. Our long standing experience of reviewing applicants’ medical files and medical test results gives us a detailed awareness of the full range of issues involved as well as exceptional access to historical data on an in force block. Our underwriting team is fully supported by doctors and research professionals who harness years of in-force data, medical knowledge and actuarial know how to help our clients manage their risk successfully.

AGS’s detailed APS Summaries are an incredibly valuable tool for underwriters, helping them to immediately locate the information that is relevant to their underwriting decision. Determining the insurability of an applicant is an arduous task for an underwriter, especially when they have to scavenge through difficult charts to find the documents they need. Our APS summaries eliminate the painstaking search for underwriters by presenting them with all relevant information in an organized, professional manner.

The goal of our summaries is to increase the speed and efficiency of the underwriting process thus saving insurance companies valuable time and money. AGS employs experienced underwriters in order to produce the highest quality summaries possible. We sort the summaries according to your underwriters’ specific needs and desires to ensure that the summaries are as effective and useful as they can be. Stop wasting your underwriters’ time and efforts and help them increase productivity by using APS summaries from AGS.

The components of an APS Advantage summary include a health history synopsis that chronologically details tobacco use, medications, prior conditions, lab tests, BP, Cholesterol (HDL, LDL and Cholesterol/HDL Ratio), etc.

Our underwriters estimate the average number of years a person is expected to live based on their age, gender, lifestyle, smoking status, family history and medical conditions ("Underwriting Factors") found in their medical records. The life expectancy report includes the life expectancy estimate as well as the probability of mortality each year based on the insured's specific Underwriting Factors. We offer reports for both the secondary and tertiary markets.