- John Hancock Long Term Care Insurance Reviews
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John Hancock Long Term Care Insurance Reviews – John Hancock will no longer accept faxed claim invoices If you are a policyholder or their legal representative, please log into your long-term care account to send invoices for immediate reimbursement. Care providers can submit invoices by going to: /submitinvoices
Long-Term Care Insurance Everything you need to access, manage and update your individual or group/employer-sponsored long-term care account.
John Hancock Long Term Care Insurance Reviews
Are you an insured person with a policy? Everything you need to start or manage a claim, check benefit eligibility and more.
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Need help understanding how to submit invoices or receive a refund? Watch our quick step-by-step video on how to send invoices.
Need help understanding powers of attorney? This video provides a high-level overview of what it means to grant a power of attorney, how it may relate to your policy, and what type of power of attorney we accept at John Hancock.
Preparing for your long-term care physical exam This video will give you a high-level overview of what to expect and how to prepare for your long-term care physical exam.
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). For over 150 years of experience, and backed by strong financial ratios that are among the highest in the industry, John Hancock has a proud history of providing financial solutions to nearly 2.8 million policyholders and delivering on our promises with more than $5 billion in claims paid annually.
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John Hancock is the tried and true life insurance solution for many of our agents here at New Horizons.
The Long-Term Care (LTC) rider is designed to help protect affected customers and their families from the high costs of long-term care.
When combined with John Hancock’s permanent life insurance, the optional LTC rider allows policyholders to accelerate their death benefit to help cover long-term care costs, should that need arise.
Many clients recognize the importance of purchasing both life insurance and long-term care protection. If they want to address both needs in one policy, a John Hancock permanent life insurance policy with a LTC rider could be the solution. Adding an LTC rider to a permanent life insurance policy makes part of the face value of the policy available each month to help pay long-term care costs.
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When you apply for an LTC rider, you’ll choose an Accelerated Benefit Percentage – this is the portion of the death benefit you can use to pay for long-term care costs. That percentage can range from 1%-100%. Next, they select a Monthly Acceleration Percentage, which determines the maximum monthly amount they can spend on LTC services each month. That could be 1%, 2%, or 4% of the Accelerated Profit Pool.
John Hancock requires all LTCTraining courses to be approved by ClearCert to be accepted as active training. Visit www.clearcert.com/search-courses. To take an accredited course at a discount, visit www.JHInsuranceCE.com.
Protection UL is an innovative universal life insurance policy that protects your client’s financial future, while helping them live a long, healthy life. It is also one of the most flexible and affordable UL products on the market. And now that the John Hancock Vitality Program is included at no additional cost, all of your customers can reap the rewards of living a healthy life.
Protection IUL is designed for individual and corporate clients who want low-cost death benefit protection with a strong return potential and low risk. Other benefits include:
Federal Long Term Care Insurance Program
Accumulation IUL is designed for individual and corporate clients who want competitive permanent life insurance coverage with strong cash value potential. Other benefits include:
John Hancock’s UL-G is a universal life insurance policy that provides guaranteed death benefit protection for life or as long as the client needs it. UL-G can ensure that your client’s coverage will not expire – even if the surrender value of the policy falls to zero.
UL-G offers your individual and corporate clients guaranteed death benefit protection — see how UL-G meets their needs.
John Hancock’s Protection SUL policy is the lowest cost survival policy in the John Hancock portfolio. In many cases, SUL is the most affordable product in the industry. It offers the most competitive premiums in a variety of financing conditions for all ages in the three highest risk categories.
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Protection SUL is designed for individual and business clients and has a variety of applications: it can provide income protection for families or retirees or cater for estate planning needs.
Protection SIUL is already one of the most affordable Survivorship Indexed UL products on the market, offering a high level of performance linked to equity and a guaranteed 0% floor down protection. And now that the John Hancock Vitality Program is included at no additional cost, all of your customers can reap the rewards of living a healthy life.
Protection SIUL is designed for individual and corporate clients who want affordable death benefit protection for two people, as well as strong capital accumulation capacity. Other benefits include:
John Hancock’s SUL-G is a universal survival life insurance policy that offers flexible premium solutions and funding patterns – making it an attractive solution for customers whose primary concern is guaranteed fixed death benefit protection.
John Hancock Vitality Program
SUL-G is designed for clients who want guaranteed guaranteed death benefit protection for two lives. It is the ideal solution for business planning and wealth transfer situations, such as estate valuation and financing business transfers.
When it comes to low cost and value for money, Protection VUL is already one of the most competitive products on the market. Amounts from a Protection VUL can be used to supplement retirement income or help fund other expenses, such as college education. And now that the John Hancock Vitality Program is included at no additional cost, all of your customers can reap the rewards of living a healthy life.
The Protection VUL is designed for clients seeking death benefit protection, as well as strong cash value potential. Other benefits include:
The Accumulation VUL is designed to be one of the most versatile universal life insurance products in the industry for retirement cash values and income potential. Policyholders can choose from a wide range of investment portfolios or choose to facilitate automatic diversification with a Managed Volatility Portfolio. And now that the John Hancock Vitality Program is included at no additional cost, all of your customers can reap the rewards of living a healthy life.
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The combination of VUL cash flow and low cost VUL loans make it ideal for individual and business customers looking to supplement their retirement income. Other benefits include:
Protection SVUL offers affordable survival protection and the ability to accumulate capital. The policy can be used to balance estates, pay estate taxes, or provide financing to finance the transfer of a closely held business. And now that Vitality GO is included in every policy at no extra cost, your clients can also be rewarded for living a healthy life.
Protection SVUL is designed for clients who want a guaranteed death benefit for survival with the opportunity to accumulate cash value. It is ideal for people aged 40 to 70 and offers a range of benefits, including:
When it comes to the ability to accumulate cash value, the Accumulation SVUL is one of the best universal variable life insurance products in the industry. It can be used in business plans and in wealth transfer situations, such as providing cash to finance a mortgage or supplementing retirement income. And now that Vitality GO is included in every policy at no extra cost, your clients can also be rewarded for living a healthy life.
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An Accumulation SVUL is for customers who want to accumulate a significant amount of cash as a source of additional retirement income for two lifetimes. It can be used in business plans and in wealth transfer situations, such as providing capital to finance estate taxes and supplemental retirement income. Other benefits include:
The Protection Policy offers affordable premium-level protection with the option to convert to a permanent product up to age 70. It also offers a range of great features and riders for more flexibility. And now that the John Hancock Vitality Program is included at no additional cost, all of your clients can reap the rewards of healthy living.
John Hancock Vitality Term protects your clients while also recognizing and rewarding them for living a healthy life. Our most competitive product offers terms of 10, 15, and 20 years, as well as a guaranteed option to convert to a John Hancock permanent policy.
If you have clients looking for affordable life insurance protection today with the flexibility to convert to permanent protection in the future, Vitality Term can meet their needs.
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SmartProtect Term with Vitality is a quick, easy term product that protects your customers, while recognizing and rewarding them for living a healthy life. It offers competitive premiums and an easy underwriting decision in just two days to simplify the process for your customers and help you land more business.
With easy underwriting decisions in just two days and no medical exams, tests or phone interviews, SmartProtect Term with