Choose from the list of impairments to see what John Hancock's underwriters look for and likely underwriting risk classifications or rating.
The most common malignancy of the endocrine system, generally more common in women.
Likely Underwriting Decision
Best Case: Standard can be considered after the first post operative checkup or completion of other therapies for papillary and follicular type thyroid cancers for applicants age 45 and older with Stage I and Stage II localized, low grade disease. In some cases after 5 years of qualifying for Standard rates, Preferred may be available
Typical Case: Moderate grade papillary tumor, can consider Standard 7-8 years following treatment
Worst Case: Decline if anaplastic tumor
Reconsideration may be possible for cases initially postponed for uninvestigated thyroid nodule that has subsequently been investigated and proven benign
Factors Affecting the Decision
- Type of thyroid cancer (papillary, follicular, anaplastic, etc.
- Age of applicant
- Type of treatment and date(s) performed
- Any remission and for how long
- Any recurrence
- Any complications from treatment
Fast Track the App
- Pathology reports
- Treatment and hospital report
- Evidence of regular follow-up