Choose from the list of impairments to see what John Hancock's underwriters look for and likely underwriting risk classifications or rating.
Kidney (Renal) Function Test
Blood tests are done with a renal function panel to determine how well the kidneys are functioning and when results are out of normal range; it can indicate the possibility of a disease process.
Likely Underwriting Decision
Decision will depend on how elevated the lab findings are, any other medical conditions, any diagnosis for known history of abnormal renal functions
Best Case: With only minimally abnormal renal function test in a client less than age 60 with no history of diabetes or poorly controlled blood pressure: possible Preferred
Typical Case: With mildly abnormal renal functions, client over the age of 60, stable trend of renal functions in APS, no history of diabetes, poorly controlled blood pressure or other renal impairments: possible Standard to 150%, depending on age
Worst Case: With mildly abnormal renal function, history of diabetes, poorly controlled blood pressure, other renal impairments or moderately abnormal renal functions: possible 200% to decline, depending on age
Factors Affecting the Decision
- How elevated is the BUN or serum creatinine?
- Is the client taking any medication that may adversely affect the findings?
- Is there any medical condition that may contribute to the findings?
- What are the normal trends of the BUN and serum creatinine in the APS information?
- Is this a new problem which has not been fully evaluated?
Fast Track the App
- Results of full chemical profile
- Quality of specimen
- Results of urine findings
- Details of any medical conditions that may contribute to the findings