The client gets a free fit bit that allows John Hancock to track their progress. Updated design also delivers strong protection against market downturns and more value with optional features including the Critical Illness Benefit, Long-Term Care Rider, and John Hancock Vitality Program. It is not available with term products. Policy Split option Allows policy to be split in equal parts if couple divorces or tax laws change. These are: Universal life insurance; Indexed universal life insurance; Variable universal life insurance Brian Home, Welcome iul, John Hancock, life insurance, ltc John Hancock has been a leader with their Long-Term Care rider while also rewarding customers for healthy choices with the Vitality program. • More flexibility with John Hancock’s enhanced Long-Term Care rider John Hancock’s NEW Accumulation IUL Now with Rolling Targets and Improved Performance Male, 45, Preferred Non Smoker, Paying $20,000 Annually for 20 years Company Income Cash Value Year 20 Target Premium John Hancock’s New Accumulation IUL $54,578 $677,691 $8,209 If the client engages in the vitality program, it can almost eliminate the cost of the LTC rider. The Express Track program is available for applicants ages 18 – 60, for face amounts up to $1,000,000 on single life policies, including those with a long-term care rider. When you combine John Hancock’s popular Long-Term Care (LTC) rider1 with the low-cost Protection IUL, you can give your clients comprehensive coverage and security at a price that often can’t be beat. Consult the "Long-Term Care Rider Technical Guide" for an up to date listing of the requirements for selling the Long-Term Care rider in your state. The John Hancock product is the most competitive premium to provide the maximum monthly LTC benefit. See how John Hancock’s Protection IUL with the Long-Term Care (LTC) rider is an industry leader in low-cost death benefit protection and low-cost LTC coverage. Beyond the low premiums, the product offers guaranteed protection with a lengthy NLG, 0% floor and 2% cumulative interest rate guarantee John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term care insurance). But, on the other hand, it is complex, over-engineered and highly leveraged in both its charges and credits. A life insurance policy with a Long-Term Care rider is more cost effective than buying separate life insurance and long-term care insurance policies. John Hancock LTC Rider Nationwide LTC Rider North American Chronic Illness Accel Ben. the flexibility to use all, some, or none of their life insurance benefit to pay long-term care … The Long-Term Care (LTC) rider is an accelerated death benefit rider and may not be considered long-term care insurance in some states. The Performance to Win Learn more about how John Hancock’s newly expanded Indexed UL is making it easier than ever to understand and sell IUL. » A rider that accelerates the death benefit to help pay for long-term care expenses. John Hancock Life Insurance Company Ratings. When combined with a John Hancock permanent life insurance policy, the optional LTC rider allows policy owners to accelerate their death benefit to help pay for long-term care expenses, should that need ever arise. When added to a permanent John Hancock life insurance policy, the Long-Term Care (LTC) rider1allows for a monthly acceleration of the policy’s death benefit to help pay qualified long-term care expenses. And now, their Critical Illness Benefit rider … Please be sure to check with your Pinney brokerage director for the most up-to-date stats on riders, products, and state approvals. John Hancock’s Accumulation IUL Help your clients stay on track John Hancock’s Long-Term Care Rider The need for long-term care is a life-changing event that can have a significant impact on your clients’ well-laid plans for the future. You can add a long-term care rider to any permanent life insurance policy that John Hancock offers. John Hancock's LTC rider is approved with all of their permanent products in most states. STRONG downside protection. JH excels in the older ages. Jon Hancock Life Insurance With a Long-Term Care Rider. 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