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- John Hancock no longer routinely requires treadmill tests for non-smoker life insurance applicants.
- Non-cigarette tobacco users may qualify for Standard non-smoker rates and occasional cigar smokers may qualify for Super Preferred rates.
For Complete Underwriting Updates Click Here
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A.M. Best:
| A+ (2nd highest of 15 ratings) Superior ability to meet ongoing insurance obligations. | | Fitch Ratings | AA- (4th highest of 19 ratings) Very strong capacity to meet policyholder and contract obligations.
| Standard
& Poor's: |
AA- (4th highest of 21 ratings)
Very strong financial security characteristics.
| | Moody's: |
A1(5th highest of 21 ratings)
Low credit risk.
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John Hancock LTC Available Today
PLEASE NOTE: ALL LTC SALES ARE TEMPORARILY SUSPENDED IN
CA AS OF MAY 19, 2014
Custom Care III featuring Benefit Builder - Compact States
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Total increase on gender distinct rates is 15%
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Total increase on unisex pricing (for sponsored group employer market only) is 27%
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Couples/Partner discount for unisex rates is increasing to 35%
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Waiver of Home Health Care Elimination Period rider cost is increasing to 17%
Custom Care III featuring Benefit Builder and Custom Care III - All States
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Max issue age lowered to 75
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Max daily benefit lowered to $400
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Max monthly benefit lowered to $12,000
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Removal of Compound Inflation through age 75
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Removal of the 10-year benefit period
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Removal of Survivorship & Waiver of Premium rider
For more information contact
a member of the Shaw American team today!
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