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Case Summary/APS Support
for Informal Applications

IBU solves this problem by now providing a separate .pdf document containing only the most relevant pages from the APS’s. This .pdf is provided in addition to the required case summary.

IBU, Inc., one of the leading underwriting service providers of APS/Case Summaries to BGA's and Home Office Underwriting Departments, is now able to select only the .pdf pages that are relevant to the underwriting decision on our secure, web-based system. The process is simple and efficient: The IBU underwriter selects the relevant pages while reviewing the case and submits the APS/Case Summary into our secure system, which generates a completed .pdf document.

BGA's Can Now Request the Desired Page Count
Informals are limited to 30 pages for some carriers and 10 for others – but most cases easily top that number, especially if there are multiples APS’s. This new enhancement to the IBU system saves BGA’s the time and effort of sorting through APS’s to pull out irrelevant pages noted in the case summary. Instead, the BGA receives the case summary and the relevant pages together in a package that is within the page number limit and ready to forward to the carrier.

The IBU APS/Case Summary Service for BGA’s and producers is designed to meet the specific needs of the field force. Our experienced underwriters and web-based technologies create a seamless, paperless system for securely transferring medical records. The case summaries highlight all factors pertinent to risk selection with the objective to present the case in the most favorable light to the home office underwriter.

In addition to a main summary and .pdf document of relevant pages, a complete Brokers Report also is provided. This is a blunt, honest assessment of the case containing a ballpark rating. If the case is likely a decline it will be noted in the Brokers Report only and not in the main summary. It also states the action needed to get the case placed as quickly as possible. This report is for the “producer’s eyes only,” and should not be forwarded to the home office.

Pricing is very competitive. There are NO set up costs or minimum usage requirements. With IBU’s APS/Case Summary Service, BGA's and insurance producers can access and pay for exactly the amount of underwriting expertise they need, without having to hire an underwriter!