General Information For All Product Lines

General Information:

• Cost of Care Survey
• Field Underwriting Guideline
• Custom Care II vs. Leading Edge
• Guide to Long Term Care Insurance
• Cognitive Screening Flyer
• Pre-Screening Flyer
• Underwriting Guide
• Underwriting Grid
• Underwriting Process
• Generic Long Term Care Presentation Program
• 2008 Federal and State Tax Guide
• Product Variations by State

Custom Care II LTC Product

General Information:

Our Most Comprehensive LTCI Policy
(available in all states except FL)

Custom Care II  is an innovative, competitively priced LTCI product that provides individuals and their families with a variety of built-in benefits and the flexibility to choose riders to meet their needs.

Simplicity and Innovation

Custom Care II is a comprehensive LTCI product combining innovation and simplification. It covers care at home, and in assisted living facilities, nursing homes and adult day care centers.

Benefits are available either monthly, from $1500 to $15,000, or daily, from $50 to $500 (if age 80-84, maximum benefits are lower). There is a choice of benefit periods and elimination  periods. Among the policy’s built-in benefits are:

• Bed hold and Respite benefits

• Care Advisory Services

• Waiver of Premium

• Partner, Family and Preferred Health Discounts

• Limited Pay Options.

Also included for people under 65 are Double Coverage for Accidents and Return of Premium.

Optional benefits include:

• Inflation Protection
• Shared Care (transfer of benefits between insured partners)
• Waiver of Home Care Elimination Period
• Restoration of Benefits
• Nonforfeiture

Product Brochure:

• All States

State Approval List

• State Availability Chart

Leading Edge LTC Product

Overview:

The right product. The right price. The right time.
(not available in all states)

Leading Edge is LTC insurance designed with Baby Boomers' needs in mind. It provides comprehensive coverage that's competitively priced and surprisingly affordable, with exciting new benefits¹ that we think everyone will love.

Excellence through innovation

Achieving excellence through innovation is our goal at John Hancock - and Leading Edge is the result. This innovative product provides a complete set of solutions to a variety of industry challenges:

• Automatic Inflation Coverage offers a more affordable approach to inflation protection.² It provides built-in, compound inflation protection linked to the Consumer Price Index (CPI).
   

• Caregiver Support Services provides a tangible "now" benefit³ designed to help ease the stress on policyholders who are called on to provide care giving or care planning for parents or other family members.
   

• 5 Years Plus $1 Million is a creative alternative to costly lifetime coverage that provides policyholders with an additional $1 million in coverage should the pool of money from their initial 5-Year Benefit Period run out.
   

• Comprehensive Coverage with a Streamlined Design helps to reduce the complexity of LTC insurance without sacrificing coverage. Leading Edge helps take the guesswork out of policy design by offering strong, built-in benefits and just the right choices:
  
  Built-in features include:
  - Automatic compound inflation linked to the Consumer Price Index (CPI)
  - A standard 100-day Elimination Period
  - International Coverage
  - Expanded home health care services, including Total Homemaker Services and independent home health care where provider qualification is not required.⁴
  
  You only have to make a few key decisions:
  - Daily/Monthly Benefit: Choose $50-$500 per day or $1,500-$15,000 per month
  - Benefit Periods: Choose 3 Years, 5 Years, or 5 Years Plus $1 Million
  - Optional Riders: SharedCare, Nonforfeiture, and Zero-Day Elimination Period for Home Care
  
  The product also offers:
  - A simplified claims process that minimizes paperwork and administration
  - Credit card payments (MasterCard® and Visa®) for all premium payment modes

1. Product features may vary and may not be available in all states.
2. In most states, policyholders also have the option to select 5% Compound GPO.
3. Available following the 30-day Free-Look Period.
4. Home care provider cannot be a family member or partner.

Brochures:

• All States

State Approval List

• State Approval Sheet

Corporate Solutions for Employer Groups:

• Corporate Solutions Producers Guide
• Corporate Solutions Marketing Guide
• Corporate Solutions PowerPoint Presentation
• Frequently Asked Questions about the Corporate Solutions Product
• Sponsored Group Producer Guide
• Employer Market Guide
• Corporate Solutions Marketing Pieces

John Hancock Corporate Solutions - Leading Edge
The New Standard in the Multi-Life Market

John Hancock's new Corporate Solutions Program makes selling LTC insurance in the multi-life market easier than ever. With enhanced efficiencies at every stage of the sales process, the revolutionary new Leading Edge product at its core, and a name that people know and trust, Corporate Solutions represents a powerful turnkey solution that will pave the way to more multi-life sales.

The Right Program

From pre-sale to post sale—and every step in between—John Hancock has streamlined the entire Corporate
Solutions Program, enabling you to spend more time selling and less time on administration with
enhancements such as:

• An easy-to-use on-line illustration system

• Lower minimum participation requirements

• The availability of simplified underwriting for eligible employer pay Spouses/Partners

• True split billing for employer pay cases, making it easy on the producer and the employer to reconcile premiums

The Right Product

Leading Edge is the ideal product for the multi-life market. Designed with Baby Boomers’ needs in mind, it provides comprehensive LTC insurance coverage that’s surprisingly affordable and easy to understand. Some of the benefits included in Leading Edge are:

• Caregiver Support Services that provide “now” benefits to clients and their families, getting younger employees and family members to want to buy earlier

• Comprehensive coverage in an easy, streamlined design – perfect for the employer market

• Automatic Compound Inflation linked to the Consumer Price Index (CPI)

• Lifestyle Benefit Changes that allow for an affordable start

• Ability to utilize unlicensed care giving services

The Right Time

The worksite represents a tremendous opportunity for selling LTC insurance. By combining Corporate Solutions with the Leading Edge product, John Hancock has created a timely, high-quality, needs-based solution in an underserved multi-life marketplace by providing:

• Program options that meet the needs of an evolving and still untapped employer market

• Easy-to-understand and easy-to-sell benefits

• A helpful solution for working Boomers who are confronting LTC needs of their parents and rapidly becoming aware of their own needs

• Stable pricing backed by John Hancock’s strength, stability and experience