
Choose from the list of impairments to see what John Hancock's underwriters look for and likely underwriting risk classifications or rating.
Hepatitis B
Hepatitis B is a disease caused by the Hepatitis B virus (HBV)
Likely Underwriting Decision
Best Case: Acute infection, over 6 months, HBsAg negative and liver functions normal: Standard or better
Typical Case: Chronic infection (HBeAg+) with or without liver biopsy, untreated, depending on laboratory results and how long infection has been present: Possible 150 to 250%
For chronic infection, treated, biopsy results (within the last 5 years), normal LFTs, mild to moderate: Standard to 200%
Worst Case: Decline if having more than one alcohol drink per day, HCV co-infection, any finding of cirrhosis, biopsy done in the last 5 years shows severe inflammation and untreated
Factors Affecting the Decision
- Date of diagnosis
- Acute or chronic infection
- Laboratory results (liver function)
- If chronic, was a biopsy done
- Any alcohol usage or other medical conditions
- Treatment and date(s) of treatment
Fast Track the App
Requirements:
APS
Fast Track:
- Laboratory results (including LFTs and hepatitis panel)
- Sonograms, CTs, biopsy results