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.

Committed to Giving the Best Possible Underwriting Offer
At John  Hancock, our ongoing research and proprietary underwriting manual translate into better offers for your and your clients. This flyer shows you how -- and lists some of the underwriting improvements we've introduced.

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.

John Hancock's Progressive Underwriting
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 John Hancock's Strengths in Underwriting Cancer  The latest Underwriting Extra focuses on our strengths in underwriting cancer. Take a look to see why our underwriters are positioned to make a competitive offer to clients with a history of cancer.

Underwriting Extra -- Archive
A collection of previously released Underwriting Extra newsletters.

Changes to Financial Underwriting Guidelines: Increased Coverage Potential.
Take a look at the advantages recent changes to John Hancock Life's financial underwriting guidelines can offer your clients.

Top 10 Reasons for Choosing John Hancock to Underwrite Your Cases  
Check out the top 10 ways John Hancock's Life Underwriters can help you close sales.

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 (except COLI).

Temporary Insurance Agreement (TIA)  

Sharing of Evidence, Dual Submissions and Agent of Record and Firm Changes
Avoid delays and misunderstandings by ensuring you are aware of John Hancock Life New Business' practices with regard to shared evidence requests, dual submissions, and agent of record and firm changes.

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.) (not licensed in New York), John Hancock Variable Life Insurance Company (not licensed in New York), John Hancock Life Insurance Company, Boston, MA 02116 and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.
MLINY0319088916