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A guide to underwriting impairments for LifeCare – a combination
of whole life insurance and long-term care insurance
With proposed life insureds applying for LifeCare, John Hancock's underwriters will be looking for risk factors that will impactboth life insurance and long-term care coverage. The following provides a quick overview of the likely underwriting decisionfor some common impairments.
Impairments that may be insurable for LifeCare*
Inflammatory Bowel Disease(Crohn’s Disease, Ulcerative * Combinations of certain impairments and/or co-morbidities may not be insurable.
Cancer Approach
Coverage may be considered one year after completion of all treatment (surgery, radiation, chemotherapy). In order to consider, we must besupplied with the stage, grade and size of the tumor, any lymph node involvement, treatment and the proposed insured must be regularlyfollowed by a physician. Cancer history will be considered only for localized disease without lymph node involvement and no recurrence.
Breast Cancer
Prostate Cancer
Must be treated with radiation or prostatectomy; current PSA must be undetectable Impairments that will result in a decline
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Impairments that will be postponed
The following histories will require a six-month postpone period: The following histories will require a three-month postpone period: • Joint replacement – fully recovered and active • Physiotherapy and occupational therapy – completed 3 months • Fractures – weight-bearing joints, recovered for minimum 3 • Heart Attack• Neck Surgery• TIA (Transient Ischemic Attack)* * TIA under age 60 will not be considered for several years Proposed life insureds who have pending surgery or surgery recommended that has not yet been completed will not be considered for LifeCareuntil the surgery is successfully performed and the proposed life insured is fully recovered.
Medications that will result in a decline
ALZHEIMER’S, MEMORY LOSS
PARKINSON’S DISEASE
NARCOTICS
DIABETES
RHEUMATOID ARTHRITIS
For more information, please call your John Hancock Underwriter at 1-800-505-9427, option 2.
LifeCare, the Acceleration rider, and the Continuation rider may not all be available in some states. The Acceleration rider is automatically includedwith every LifeCare policy, and the Continuation rider is optional. There are additional costs associated with these riders that are included in thesingle premium. LifeCare with the Acceleration and/or Continuation rider is not considered long-term care insurance in some states. When the deathbenefit is accelerated for long-term care expenses, the death benefit is reduced dollar for dollar, and the policy cash value is reduced proportionally.
Please go to the most current state approvals.
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 policies and/or associated riders and features may not be available in all states.
For Agent Use Only. This material may not be used with the public.
Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John HancockLife Insurance Company of New York, Valhalla, NY 10595.
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Source: https://www.algren.com/Documents/JH%20LinkedBenefit.pdf