John Hancock

John Hancock

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Why John Hancock Life Insurance?

With more than 150 years of experience, and backed by strong financial ratings that are some of the highest in the industry, John Hancock has a proud history of providing financial solutions to almost 2.8 million policyholders and delivering on our promises with over $5 billion in claims paid annually.

John Hancock is a tried-and-true go-to life insurance solution for many of our agents here at New Horizons.

A few highlights of John Hancock include:

  • Diverse product solutions that can be tailored to meet clients' unique needs
  • Progressive, competitive, and flexible underwriting
  • John Hancock Vitality Program, an integrated life insurance and wellness program
  • An ongoing focus on leveraging technology to make selling and buying life insurance as easy as possible
  • An incredible Life w/ LTC rider

Here's a link to the John Hancock agent portal.

John Hancock Life Insurance Products

John Hancock offers the following life insurance types:

  • Long-Term Care Rider (one of the most popular life insurance products sold here at New Horizons!!)
  • Universal Life (UL)
  • Survivorship UL (UL)
  • Variable (UL)
  • Variable SUL
  • Term

Long-Term Care Rider

The Long-Term Care (LTC) rider is designed to help clients concerned with protecting themselves and their families from the high costs of long-term care.

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.

Many clients recognize the importance of purchasing both life insurance and long-term care protection. If they’re looking to address both needs in a single policy, a permanent John Hancock life insurance policy with the LTC rider could be the solution. Adding the LTC rider to a permanent life insurance policy makes a portion of the policy’s face amount available monthly to help pay long-term care expenses.

When you apply for the LTC rider, you'll select 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 use for LTC services every month. That can be 1%, 2%, or 4% of the Accelerated Benefit Pool.

Important features:

  • Issue ages 20-75
  • Fully-underwritten permanent life insurance policies are eligible for this rider
  • Must choose the rider at issue
  • Additional underwriting guidelines are used for this rider
  • Eligibility is 2 of 6 ADLs
  • 100-day elimination period

John Hancock requires that all LTC Training courses be approved by ClearCert to be accepted as valid training. Visit www.clearcert.com/search-courses. To take an approved course at a discount, visit www.JHInsuranceCE.com.

John Hancock Universal Life Products

Protection UL

Protection UL is an innovative universal life insurance policy that protects your client’s financial future, while helping them live a longer, healthier life. It’s 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 your clients can get rewarded for living healthy.

Protection UL is designed for individual and business clients looking for the lowest-cost permanent death benefit protection.

  • Industry-leading premiums for level-pay, short-pay and single-pay premiums
  • Lengthy guarantees, often to life expectancy and beyond
  • Strong cash value accumulation potential when compared to guaranteed UL products
  • Competitive living benefit riders including the Long-Term Care rider and the Critical Illness Benefit rider
  • Optional LifeTrack billing service
  • Rewards and savings for living healthy with the John Hancock Vitality Program (more information on this program below)

Important features:

  • $50,000 minimum face amount
  • Fully underwritten
  • Issue ages 20-90
  • No-lapse guarantee
  • Quit Smoking Incentive

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Protection IUL

Protection IUL is designed for individual and business clients looking for low-cost death benefit protection with the potential for strong returns and minimal risk. Other benefits include:

  • Tax-deferred death benefit protection
  • Affordable premiums and flexible premium schedules
  • Strong cash value accumulation potential with Indexed accounts based on the S&P 500 Index and Heng Seng® Index
  • Lengthy guarantees
  • Competitive living benefit riders including the Long-Term Care rider and Critical Illness Benefit rider
  • Rewards and savings for living healthy with the John Hancock Vitality Program

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Accumulation IUL

Accumulation IUL is designed for individual and business clients looking for a competitive permanent life insurance coverage with strong cash value potential. Other benefits include:

  • The security of tax-deferred death benefit protection for your clients
  • Affordable premiums and flexible premium schedules, including the Preliminary Funding Account (PFA) premium funding option
  • The potential for strong cash value accumulation with Indexed Accounts based on the S&P 500® Index or Hang Seng® Index
  • Competitive living benefit riders including the Long-Term Care rider and Critical Illness Benefit rider
  • Rewards and savings for living healthy with the John Hancock Vitality Program

Important features:

  • $50,000 minimum face amount
  • Fully underwritten
  • Issue ages 3 months-90
  • No-lapse guarantee
  • Quit Smoking Incentive

UL-G

John Hancock’s UL-G is a universal life insurance policy that offers the security of guaranteed death benefit for life or for as long as the client needs it. UL-G can ensure that your client's coverage will not lapse — even if the policy’s net surrender value falls to zero.

UL-G offers your individual and business clients the security of guaranteed death benefit protection — see how UL-G meets their needs.

  • Guaranteed coverage up to lifetime
  • Long-Term Care Rider
  • Late Payment of Premium feature and Catch-Up Provision

Important features:

  • Competitive compensation package
  • Older age underwriting expertise
  • $100,000 minimum base face amount
  • Fully underwritten
  • Issue ages 20-90
  • Quit Smoking Incentive
  • No-Lapse Guarantee

John Hancock Survivorship UL (SUL) Products

Protection SUL

John Hancock’s Protection SUL policy is the lowest-cost survivorship policy in John Hancock's portfolio. In many cases, it’s the most affordable SUL product in the industry. It offers extremely competitive premiums in a variety of funding scenarios at all ages for the top three risk classes.

Protection SUL is designed for individual and business clients and has a wide variety of applications: it can provide income protection for families or retirees or provide for estate planning needs.

  • Low-cost premiums in a variety of funding designs, including limited-pay, full-pay, and single-pay scenarios
  • Strong cash value potential for future funding flexibility

Important features:

  • Industry-leading level-pay, 10-pay and single-pay premiums
  • Substantial guarantees that can provide coverage beyond life expectancy at older ages
  • Cash value accumulation potential
  • Disability Payment of Specified Premium rider
  • Return of Premium rider
  • Quit Smoking Incentive
  • Estate Preservation rider
  • Issue ages 20-90
  • $250,000 minimum face amount

Protection SIUL

Protection SIUL is already one of the most affordable Survivorship Indexed UL products on the market, offering the upside potential of equity-linked performance and the downside protection of a guaranteed 0% floor. And now that the John Hancock Vitality Program is included at no additional cost, all your clients can get rewarded for living healthy.

Protection SIUL is designed for individual and business clients looking for low-cost death benefit protection for two people, as well as strong cash accumulation potential.  Other benefits include:

  • The security of death benefit protection for your clients
  • Strong cash value accumulation and retirement income potential
  • Rolling targets and competitive target premiums
  • Annual point-to-point interest crediting based on the S&P 500® or the Hang Seng® Index
  • Rewards and savings for living healthy with the John Hancock Vitality Program

SUL-G

John Hancock’s SUL-G is a survivorship universal life insurance policy that offers flexible premium solves and funding patterns — making it an attractive solution for clients whose primary concern is guaranteed fixed premium death benefit protection.

SUL-G also provides a late premium payment feature that helps maintain the policy’s death benefit guarantee.

SUL-G is designed for clients who want guaranteed fixed premium death benefit protection for two lives. It is an appropriate solution in business planning and wealth transfer situations, such as the equalization of inheritances and funding the transfer of a business.

  • Guaranteed coverage up to lifetime
  • Adjustable guarantee periods
  • Late Payment of Premium feature
  • Estate Preservation rider

John Hancock Variable UL Products

Protection VUL

When it comes to low-cost coverage and cash value potential, Protection VUL is already one of the most competitive products on the market. Cash values from Protection VUL can be used to supplement retirement income or help fund other expenses, like a college education. And now that the John Hancock Vitality Program is included at no additional cost, all your clients can get rewarded for living healthy.

Protection VUL is designed for clients looking for death benefit protection, along with strong cash value potential. Other benefits include:

  • Death benefit guarantees that often extend to life expectancy
  • A broad array of investment portfolios or automatic diversification with our Managed Volatility Portfolios
  • Rolling and competitive target premiums
  • Greater protection with living benefits such as Critical Illness Benefit and Long-Term Care riders
  • Rewards and savings for living healthy with the John Hancock Vitality Program

Accumulation VUL

Accumulation VUL is designed to be one of the best variable universal life insurance products in the industry for retirement cash values and income potential. Policy owners can choose from a broad array of investment portfolios or opt for the simplicity of automatic diversification with our Managed Volatility Portfolios. And now that the John Hancock Vitality Program is included at no additional cost, all your clients can get rewarded for living healthy.

Accumulation VUL’s cash value potential and zero net cost loans make it a great fit for individual and business clients looking to supplement retirement income.  Other benefits include:

  • Excellent retirement cash value and income potential
  • A broad array of investment portfolios, or automatic diversification with our Managed Volatility Portfolios
  • Rolling and competitive target premiums
  • Added protection with living benefits such as Critical Illness Benefit and Long-Term Care riders
  • The security of a 20-Year No-Lapse Guarantee
  • Rewards and savings for living healthy with the John Hancock Vitality Program

John Hancock Variable SUL Products

Protection SVUL

Protection SVUL offers affordable survivorship protection along with cash value accumulation potential. The policy can be used to equalize inheritances, pay estate taxes, or provide liquidity to fund the transfer of a closely held business. And now that Vitality GO is included on every policy at no additional cost, your clients can also get rewarded for living healthy.

Protection SVUL is designed for clients looking for a guaranteed survivorship death benefit with the opportunity to accumulate cash value.  It’s ideally suited for people aged 40 to 70 and offers a range of benefits, including:

  • Extended No-Lapse Guarantee rider with Early Funding Option
  • Excellent cash value potential
  • Simplified Investment Management
  • Estate Preservation Rider
  • Cash Value Enhancement Rider
  • Rewards and savings for living healthy with Vitality GO

Accumulation SVUL

When it comes to cash value accumulation potential, Accumulation SVUL is one of the best survivorship variable universal life insurance products in the industry. It can be used in business planning and wealth transfer situations, such as providing liquidity to fund an estate tax or supplement retirement income. And now that Vitality GO is included on every policy at no additional cost, your clients can also get rewarded for living healthy.

Accumulation SVUL is for clients who want to accumulate significant cash value as a source of supplemental retirement income for two lives. It can be used in business planning and wealth transfer situations, such as providing liquidity to fund an estate tax and supplemental retirement income. Other benefits include:

  • Excellent protection and cash value accumulation potential
  • Very competitive in early funding scenarios
  • Broad, diversified portfolio offerings
  • Zero net cost loans
  • Rewards and savings for living healthy with Vitality GO

John Hancock Term Products

Protection Term

Protection Term provides affordable level-premium 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 additional flexibility. And now that the John Hancock Vitality Program is included at no additional cost, all your clients can get rewarded for living healthy.

Protection Term is designed for individual clients looking for a straight-forward, affordable, and easy-to-understand policy. Benefits include:

  • Affordable coverage for face amounts of up to $65 million
  • Level premiums – clients can select guaranteed level premiums for 10, 15, or 20 years
  • A guaranteed conversion feature up to age 70
  • Unemployment Protection, Total Disability, and Accelerated Benefit riders for extra protection
  • Rewards and savings for living healthy with the John Hancock Vitality Program

John Hancock Term with Vitality

John Hancock Vitality Term protects your clients while also recognizing and rewarding them for living a healthy life. Our highly competitive product offers 10, 15, and 20-year durations, and a guaranteed option to convert to a permanent John Hancock policy.

If you have clients who want affordable life insurance protection today with the flexibility to convert to permanent protection in the future, Vitality Term can meet their needs.

  • Highly competitive premiums for 10, 15, or 20 year durations
  • Opportunity to reduce premiums even further by living a healthy life
  • The opportunity to get an Apple Watch® Series 3 for as little as $25 plus tax
  • A complimentary Fitbit® device instead of Apple Watch or another discounted fitness tracker like Garmin or Polar
  • A HealthyFood™ benefit with up to $600 in annual savings on healthy food purchases – at 16,000 stores nationwide
  • A HealthyMind™ benefit that rewards your clients for meditating as little as 10 minutes a day and for getting a good night's sleep
  • A free 12-month subscription to Headspace®, a top-rated meditation app with millions of users in more than 190 countries
  • Entertainment, shopping, and travel rewards and discounts
  • A customized Vitality Program for clients 71 and older
  • Guaranteed conversion6 feature up to age 70 with an enhanced conversion privilege for achieving Gold or Platinum Vitality Status
  • Unemployment Protection rider, a unique solution in the market

SmartProtect™ Term with Vitality

SmartProtect Term with Vitality is a quick, easy issue term product that protects your clients, while also recognizing and rewarding them for living a healthy life. It offers competitive premiums and a streamlined underwriting decision in only two days to simplify the process for your clients and help you place more business.

With streamlined underwriting decisions in as little as two days and no medical screenings, tests or telephone interviews, SmartProtect Term with Vitality gives clients a simple solution that also rewards them for their healthy choices.

  • Highly competitive premiums for 10, 15, or 20 year durations
  • Face Amounts ranging from $100,000 - $1,000,000

John Hancock Vitality Program, which provides:

  • Opportunity to reduce premiums even further by living a healthy life
  • The opportunity to get an Apple Watch(R) Series 3 for as little as $25 plus tax
  • A complimentary Fitbit® device instead of Apple Watch or another discounted fitness tracker like Garmin or Polar
  • A Vitality HealthyFoodTM benefit with up to $600 in annual savings on healthy food purchases — at 16,000 stores nationwide
  • Entertainment and shopping rewards

What Is the John Hancock Vitality Program?

Now, all your clients can experience the John Hancock Vitality Program and live healthier with Vitality GO. That’s because it’s included on Protection UL and all our flagship products — at no additional cost.

With Vitality GO, your clients can take advantage of rewards and discounts, including:

  • Discounts on Amazon.com for their healthy achievements
  • Savings on fitness devices and healthy gear including Fitbit,® Garmin, Polar, and REI6
  • An easy-to-use app and website with health-related resources, including the Tufts Health & Nutrition Letter and Live More magazine plus personalized health goals

During the first 25 months, your clients can transfer the Vitality GO points and status level they’ve earned for living healthy and upgrade to Vitality PLUS. With Vitality PLUS, they’ll enjoy premium savings of up to 15% per year, along with even greater rewards and discounts.

What Is Vitality Plus?

Your clients can add Vitality PLUS to their policy for as little as $2.00 a month and enjoy all the benefits of the John Hancock Vitality Program, including:

  • Up to 15% in annual premium savings
  • The opportunity to earn Apple Watch® Series 3 or Series 4 for as little as $25, or get a complimentary Fitbit device
  • Up to $600 in annual savings on the healthy food they buy
  • Exclusive discounts at more than 350,000 eligible properties around the world with Hotels.com
  • Entertainment and shopping rewards and discounts from name brands like Amazon, REI, Starbucks, and more
  • A free 12-month subscription to Headspace® as part of the HealthyMind benefit
  • An easy-to-use app and website with health-related resources, including the Tufts Health & Nutrition Letter, webinars, financial fitness tips, and Live More magazine

John Hancock State Availability

John Hancock offers life insurance products in all states. For a complete list of state approvals sorted by life insurance product type, click this link (must be signed into agent portal to access).

You can also use the interactive State Map that allows you to click on your state and view all current product approvals.

New to Senior Market Life Insurance Sales?

Life insurance sales don't have to be overwhelming! In fact, we do everything we can to make it easy here at New Horizons.

Check out the Quick Training Guide available as part of the Life Insurance Marketing Kit:

In addition, a great place to start is our Ultimate Guide to Selling Life Insurance in the Senior Market.

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This product may be available in other states not listed. Please contact us to inquire.