1,000 pages of EHR export arrive as one APS file. The disclosure that matters is somewhere inside.
Life and disability underwriting record review means reading APS files, life expectancy records, and contestability files, often hundreds of duplicate-heavy pages, against the carrier's own underwriting manual. Medrecords AI organizes and cites that record before the manual is applied, with post-issue audits and mortality tracking as the eventual referee.
The APS arrives as an EHR export, hundreds of duplicate-heavy pages, before the underwriting manual can even be opened. The eventual referee is a post-issue audit, months or years after the policy is on the books.
3 steps between the export and the underwriting call.
Upload the APS, EHR export, or LE file
The attending-physician statement, EHR export, or life expectancy file you already have, in any format. In the demo case, 342 pages across 2 packets, with 11 duplicate pages removed before the reading starts.
The AI extracts the underwriting-relevant history
Duplicates removed, mismatched pages quarantined, every remaining entry dated and linked to its source page — the record organized, not scored.
The underwriter applies the carrier's own manual
Click any line to the page it cites, then work the organized record against the Life Guide, ALLFINANZ, the Global Underwriting Manual, or GUM — whichever rulebook the desk runs on.
It builds the record. The manual is yours to apply.
Every entry in the organized record carries its source page, so when the carrier's manual calls for a specific fact — a diagnosis date, a dosage, a lab value — you can point to exactly where it comes from.
What it never does is assign a rating class, calculate a debit or credit score, or issue or decline the policy. It organizes and cites the medical history behind the decision; the decision, and the manual behind it, stay with the underwriter. This lane covers 4 case types this way: APS summarization, life settlement and viatical life expectancy underwriting, life claims contestability and rescission review, and medical stop-loss shock-claim underwriting.
The rules the platform never breaks.
EVERY LINE CITED
HIPAA, under a signed BAA
Every file is handled under our Business Associate Agreement, from the first byte.
Never trains a model
Your records are never used to train any AI model — ours or anyone else's.
Every line cited
If we can't cite it, we don't say it. Every sentence links to its source page.
Deleted after delivery
Files are deleted 30 days after delivery, with a full audit log of every access.
4 capabilities behind every underwriting file.
APS summarization is one deliverable of the same platform that reads, sorts, and cites the whole record — for underwriting, life expectancy, and contestability review alike.
Medical chronology
Duplicate-heavy EHR exports and treating records merged into one dated, cited timeline before the manual is applied.
Verifiable AI citations
If we can't cite it, we don't say it. Every underwriting-relevant entry links to its source page.
Medical summary reports
The organized history condensed into a structured summary the underwriter applies the manual to.
Medical Records OCR
Every format read — legacy scans, faxed APS pages, handwriting. Nothing skipped, nothing guessed.
Medical Record Deduplication
The APS export repeats the same problem list and vitals block across visits, and the same hospitalization often arrives from 2 providers. Every duplicate is confidence-scored and collapsed to one canonical page before the manual is applied.
Missing Records Identification
A hospitalization referenced in the APS narrative whose own discharge summary never made it into the file — flagged before the underwriter applies the manual to a record that looks complete but isn't.
Cross-Exam Simulator (beta)
When a contestability or rescission decision is challenged, the same file is checked for the inconsistencies and gaps most likely to surface if the reviewing physician is deposed — a rehearsal tool, not a legal opinion.
This lane covers 4 case types. APS summarization — the flagship case type — already has its own page: read against the carrier's underwriting manual, referee'd by post-issue audits, mortality slippage tracking, and reinsurance treaty audits. See the APS summarization case-type page →
The same duplicate-heavy record problem shows up across the rest of the lane: life settlement and viatical life expectancy underwriting, read against the 2015/2008 VBT and ASOP No. 48, graded by an Actual-to-Expected deaths ratio; life claims contestability and rescission review, governed by the statutory incontestability clause and state materiality standards; and medical stop-loss shock-claim underwriting, where large disclosed claimants are read for trajectory ahead of a laser decision.
Life and disability underwriting record review, answered.
Organize the file. Apply your own manual.
AI organizes and cites the record. You underwrite.