Help More Customers Prepare for the Future With Living Benefits

Three distinct solutions

Living a long life — and enjoying many years in retirement — is a major goal for a lot of your clients, and it requires careful planning that goes beyond a one-size-fits-all approach. That’s why John Hancock gives you three distinct solutions to help your life insurance clients prepare for future uncertainties. 

Long-Term Care rider — maximum coverage, not limited by IRS per diem

• Clients’ primary concern is paying for LTC and providing the greatest income tax-free coverage for a cost-effective premium

NEW! Indemnity Chronic Illness rider — maximum benefit flexibility, no restriction on use

• Clients concerned about needing care and the ability to control how they use their benefits

Accelerated Death Benefit for Chronic Illness rider — the backup plan with discounted payments on the back end

• Clients focused on other needs, wanting the option of income tax-free access to the death benefit, if those needs change