Underwriting Guidelines

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The Underwriting Advantage at John Hancock

You work hard to prospect and sell new cases. You need an insurance company that works just as hard to underwrite them. We take pride in our progressive, competitive and flexible underwriting guidelines. Our team of more than 100 underwriters will help you place your business as easily and promptly as possible, working with you every step of the way.

Underwriting Guidelines

Click here to download the Underwriting Guidelines brochure.

Click on the links below for quick and easy access to:

Routine Medical Underwriting Requirements

Preferred and Super Preferred Criteria
Standard Plus Underwriting Criteria
Smoking Definition
Standard Plus -- Available on more products than ever!
Extending the Best Before Dates on Several Underwriting Evidence Requirements

Financial Underwriting Requirements

John Hancock's financial underwriting requirements focus on ensuring that we have a comprehensive picture of a client's financial situation.

Financial Underwriting at John Hancock
Eliminating the Traditional Inspection and Third-Party Verification Process
Frequently Asked Questions

Updated Underwriting Guidelines for Foreign Residents

John Hancock Life Insurance recently updated its underwriting guidelines for foreign residents, making it possible for more clients living abroad to qualify for coverage and potentially qualify for better rates.
Underwriting Guidelines for Foreign Residents
Country-Specific Guidelines and Country Codes for Foreign Residents

Life Insurance Preferred Vendors

Please use this handy reference for a current list of John Hancock Life's Preferred Vendors for underwriting requirements.

Difference Between ECG and ECHO

This flyer outlines the differences between two tests used to assess heart impairments -- the electrocardiogram (ECG or EKG) and the echocardiogram (ECHO) -- and shows why these tests are not interchangeable.

Practices Regarding the Payment and Sharing of Attending Physician Statements

This flyer outlines the practice of John Hancock Life New Business regarding the sharing and payment of Attending Physician Statement vendor fees.

Agent Broker Companion (ABC) -- Your guide to underwriting impairments

Use this tool to access the information needed with each case to get the best possible offer in the shortest amount of time. For quick and easy access to the glossary of terms, medical impairments, non-medical risks, underwriting LifeCare Benefit riders, smoking definition and build chart, click on the links below.

	Introduction and Glossary of Terms
	Medical Impairments
	Non-Medical Risks
	Foreign Travel
	Foreign Residents
	Underwriting LifeCare Benefit Riders
	Smoking Definition
	Build Chart
	Preferred and Super Preferred Underwriting Criteria
	Standard Plus Non-Smoker Underwriting Criteria


Insurance policies and/or associated riders and features may not be available in all states. LifeCare Benefit is an accelerated death benefit rider and may not be available in all states. Maximum face amount $5 million with LifeCare Benefit. The LifeCare Benefit is not considered long term care insurance in all states. When the death benefit is accelerated for long term care expenses, the death benefit is reduced dollar for dollar, and the cash value is reduced proportionally. The policy account value is also reduced proportionally. There may be additional costs associated with this rider. For prospective policyholders in New York, this product is a life insurance policy that accelerates the death benefit for qualified long term care services and is not a health insurance policy providing long term care insurance subject to the minimum requirements of New York Law, does not qualify for the New York State Long Term Care Partnership program and is not a Medicare supplement policy. Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. MLINY10070911647