LTC Rider Medical Impairments

This is a tool to help you understand what John Hancock's underwriters look for and likely underwriting decisions for certain conditions.

The Long-Term Care (LTC) rider is underwritten based on morbidity risk rather than mortality risk and as a result, some proposed life insureds may not qualify for this rider even if they are Standard or better mortality risks. Also, some combinations of Standard impairments may require this rider to be declined.

  • The Long-Term Care rider cannot be issued at better ratings/rate classes than the life base policy assessment
  • For applications that include the Long-Term Care rider, HealthStyles may be applied to improve the base policy assessment, but the rider itself is not eligible for an upgrade
  • Risks with multiple impairments will be reviewed on an individual consideration basis

Choose from the list of conditions below