Choose from the list of impairments to see what John Hancock's underwriters look for and likely underwriting risk classifications or rating.
A small shadow found on chest x-ray that may be caused by a benign cyst, infection or abscess, or granuloma.
Likely Underwriting Decision
If any malignancy, refer to Lung Cancer
Pulmonary Nodule: Can be due to a benign cause. The underwriter must investigate thoroughly
- Size of nodule less than or equal to 4 mm: Standard possible with no postpone; Preferred possible after 1 year of stability
- Size of nodule >4 mm: postpone 1–2 years with CT scan follow up reports
- Minimum two-year postpone for smokers.
Factors Affecting the Decision
- Current age
- Date of diagnosis
- Any treatment
- Date treatment completed
- Benign pathology
- Reduced/eliminated risk factors (e.g., smoking)
- Any concurrent impairment (e.g., emphysema or chronic bronchitis)
Fast Track the App
- Copies of tests
- Details of follow-up
- Demonstrated stability of lesion