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Critical Illness Benefits - A Critical Part of Your Clients’ Plan
See the many reasons you should sell John Hancock’s all new Critical Illness Benefit rider and how it can offer your clients protection from the unpredictable costs of a critical illness throughout their working years. It's a great way to ensure their long-term financial plans stay on track. Learn more.
Critical Illness Rider vs Chronic Illness Rider
At John Hancock, we recently introduced a new, innovative Critical Illness Benefit rider. As you discuss critical illness coverage with your clients, make sure you understand the key differences between Critical Illness and Chronic Illness riders. Read more.
LifeTrack Expanded to More Protection UL Policies
LifeTrack is a unique policy management tool that has been popular on Protection UL ‘15 and ‘16. Now, we're expanding it to inforce Protection UL '11, '12, & '13 customers who purchased their policies before LifeTrack was launched. This optional service is available at no charge and automatically adjusts premiums if interest rates or the timing of payments change in the future. In other words, we’ll tell your clients exactly how much they need to pay in order to keep their policies on track to meet their goals. Start the process by calling our Customer Service at 1-800-387-2747 or email usillust@jhancock.com. Learn more.
John Hancock’s Position On PrEP
Due to some recent media coverage about the use of PrEP (pre-exposure prophylaxis), we would like to clarify our position on this HIV-prevention treatment.
John Hancock does not decline insurance coverage solely based on use of PrEP. Absent other significant contributing factors, PrEP use in isolation to prevent HIV infection would not lead to an adverse underwriting decision. In addition, John Hancock and Manulife have been proactive in working with prospective customers who are HIV-positive. In fact, in 2016, John Hancock and Manulife were among the first life insurance companies in North America to offer term and permanent life insurance coverage to applicants living with human immunodeficiency virus (HIV) if they meet certain criteria. Please check our Field Underwriting Guide — available online on — for our progressive approach to underwriting many impairments.
Planning In Action: 1035 Exchange With Loan Policy Review
See how performing a 1035 exchange enabled one client to successfully avoid causing a taxable event and significantly increased his death benefit protection. Learn More.
Two Popular Online Tools Updated For 2018!
•Know the Law using our updated map tool which now includes 2018 state-specific changes to income tax, estate tax, and creditor protection laws.
•Our popular Estate Tax Calculator has also been updated to reflect the new tax law changes.
And don't forget to check out our latest Advanced Markets blog post!
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