Introducing John Hancock’s Chronic Illness Rider

An additional way to help protect against needing care in retirement

John Hancock’s living-benefits portfolio just got even stronger with the addition of a new Chronic Illness rider. This is a great solution for producers not licensed to sell our Long-Term Care rider or when an indemnity benefit is desired. We are pleased to offer another way to help you protect more clients and their families from the costs associated with needing care.

Flexible benefits

• Clients can use the benefit dollars for anything they choose — with no receipts required
• If the death benefit increases, the chronic illness benefit pool can increase

Easy for you — and your clients

• Only a life license is required to sell
• The condition is not required to be permanent to qualify

John Hancock advantage

• Offering three strong options to help clients pay for long-term care — the Long-Term Care, Chronic Illness and Accelerated Death Benefit for Chronic Illness riders

The John Hancock Vitality Program rewards clients for the everyday things they do to live a longer, healthier, better life

State approvals

The new Chronic Illness rider has been approved for sale on Protection UL 22, Protection IUL 22R and Protection VUL 23 in all states except California, Guam, New York, Puerto Rico and South Carolina.