Choose from the list of impairments to see what John Hancock's underwriters look for and likely underwriting risk classifications or rating.
Liver Function Test
Blood tests are done with a liver panel to determine how well the liver is functioning. When results are out of normal range, it can indicate the possibility of a disease process.
Likely Underwriting Decision
Decision will depend on how many liver function results are outside the normal range, the degree of elevation, any other medical conditions and any diagnosis for the elevated liver function finding
Best Case: One liver function elevation, cause unknown up to 2 times normal range, no alcohol history, no associated medical history: Super Preferred
Typical Case: Elevation of 2 liver functions, cause unknown up to 2 times normal range, no alcohol history, no associated medical history: Standard Plus
Worst Case: Elevation of 3 liver functions, cause unknown up to 4 times or more over normal range: decline
Factors Affecting the Decision
- How many liver functions are outside the normal lab range?
- Is client taking any medications or using alcohol?
- Is there a medical condition that is causing the elevation in liver function?
- How long has this finding been monitored by the attending physician?
- Is this a new finding which has not been fully evaluated with additional testing?
Fast Track the App
APS, Hepatitis screens, all markers selectively
- All laboratory tests
- Any sonograms
- Details of medications being taken
- Details of hospitalization and hospital reports
- Amount of alcohol used
- Results of any investigations for elevated liver functions