Choose from the list of impairments to see what John Hancock's underwriters look for and likely underwriting risk classifications or rating.
Defibrillator/Implantable Cardioverter Defibrillator (ICD)
A small device that is placed in the chest or abdomen to help treat irregular heartbeats and life-threatening arrhythmias, especially sudden cardiac arrest.
ICDs use electrical pulses or shocks to treat arrhythmias in the ventricles. ICDs are not to be confused with another device called a Pacemaker, which is used to treat less dangerous heart rhythms.
Likely Underwriting Decision
Most cases will be a decline
Factors Affecting the Decision
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