Progressive, competitive and flexible decisions for all ages – young and old – and across all markets

Large case expertise, backed by generous retention limits

Innovations such as age specific Preferred and Super Preferred for older ages, starting at age 71; a liberal Non-smoker definition; and the Quit Smoking Incentive available on several of our products

Competitive Decisions

Look to John Hancock for competitive underwriting decisions, even for tough-to-place cases. We lead the way in the aggressive evaluation of coronary disease, diabetes, build, older ages, and even multiple impairments.

Are Your Clients with Metabolic Syndrome Getting the Best Possible Offers?
Our underwriters can offer as much as Standard Plus for clients with indications of Metabolic Syndrome. Here's how we do it.

Your Older Clients Can Step Off the Treadmill
Great news -- we have eliminated the requirement for a treadmill test for non-smoker life insurance applicants ages 70 and older, for all face amounts.

What Plus Can There Be to Diabetes? Standard Plus!
Take a look at how John Hancock's Standard Plus and progressive approach to underwriting diabetes makes a winning combination for younger age clients.

Offering Standard Plus or Preferred Rates for Older Age Clients with CAD
John Hancock's new and innovative approach to underwriting Coronary Artery Disease (CAD) in older age clients can result in more competitive offers and lower premiums for up to $5 million in life insurance coverage.

Improved Ratings for Prostate Cancer
John Hancock's new and innovative approach to underwriting prostate cancer can result in more competitive offers and lower premiums.

A Quick Guide to John Hancock's Retention and Reinsurance Capacity
This updated flyer shows our current Jumbo, Automatic Binding and Retention Limits. Use this flyer to share this story with your firms and agents.

Underwriting Extra -- Focus on Cancer
Use the latest issue of Underwriting Extra to highlight John Hancock's strengths in underwriting cancer, including our new approach of offering "accelerated" Standard rates to women who have been successfully treated for localized breast cancer.

Refinement of Trust Review Process on Older Age Cases
The recent enhancements to our trust review process will continue to support our position against the use of our products in investor- and stranger-owned life insurance transactions, while also making it easier to do business with John Hancock on older age cases.

Modification to John Hancock Life's HealthStyles Program -- November 1, 2007
John Hancock's proprietary crediting program known as "HealthStyles" was modified effective November 1, 2007, so that the maximum issue is 70 (it no longer available to insureds ages 71 to 75.) The attached flyer provides this information and more details about HealthStyles.

Update on Underwriting Foreign Travel
This flyer outlines John Hancock's approach to underwriting foreign travel.

Underwriting Guidelines
Take a look at our underwriting requirements for Standard Plus, Preferred, Super Preferred Criteria for all products we sell (including fully underwritten COLI).

Insurance policies and/or associated riders and features may not be available in all states.  

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.

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