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					Long Term Care is Underwritten by John Hancock Life Insurance Company, Boston, MA 02117.
For professional use only. Not for use with consumers.

LTC-5516 7/2006
Welcome
    A Standard of Excellence

►    Leadership
      ► John Hancock is a committed leader in the Long Term Care

         Insurance (LTCI) Market
      ► LTCI Solutions through innovative, competitive and responsible

         product offerings
      ► John Hancock is one of the two largest LTCI carriers in the country¹

      ► We have more than 936,000 LTCI insurance policyholders in-force

         as of June 30, 2006²
►    Brand Recognition
      ► John Hancock is one of the leading brands among consumers in the
         country, with 95% consumer awareness³
1. Based on inforce premium LIMRA year-end 12/31/05
2. Based on John Hancock internal claims data as of June 30, 2006. Total includes individual and group LTCI and 50% of the Federal Long Term Care Insurance Program
3. Roper Research and Plan-it Marketing, 2001
Policy benefits may vary by state.
   A Standard of Excellence

     ►    A History of Paying Claims for our Policyholders
           – We have more than $6 billion in LTCI claims reserves¹

           – With 20 years of LTCI experience, we are a company that has kept its
              promises, paying more than $1 billion² in claims on our LTCI policies
     ►    Strength & Stability
           – Ratings as of 6/15/06 John Hancock Life Insurance Co.

               ■ S&P                          AA+
               ■ MOODY’S                      Aa2
               ■ A.M. BEST                    A++
               ■ FITCH                        AA+
               ■ Comdex Rating                98
1.      Based on internal data as of 12/31/05.
2.      Based on internal data, including individual, group, Fortis and the Federal Long Term Care Insurance Program
Policy benefits may vary by state.
                     Product Features & Benefits




Product features, options, availability and rates vary by state.
   Leading Edge vs the Competition
   5-Year, 90/100 day Elimination Period, $4,500 Monthly Maximum, Compound
   Inflation, Married Select


                                              Percentage to Leading Edge Premiums
                                                        Premium Sweet Spots: ALL Ages
       170%

       160%
       150%

       140%

       130%
       120%
       110%
       100%
                        Allianz             Genw orth                 Met        Mass      Pru         MedAm     CC II
                     Generation              Privileged            Ideal 2      MM- 400   LTC-3    Simplicity   Custom
                     Protector II             Choice                                                             Care II

                                                         45                50     55      60      65

Competitive information is accurate to the best of our knowledge as of 6/2006
Policy benefits may vary by state.
 Qualifying for Benefits

  ►        Eligibility for Benefits
       ► Need Substantial Assistance to perform at least two of the six

           Activities of Daily Living
              – Bathing, continence, dressing, eating, toileting, or transferring

              – Substantial Assistance means “Hands-on or Stand-by” assistance
                    (or)
       ► Requires Substantial Supervision to protect himself or herself due to
           presence of “Severe Cognitive Impairment”
              – Clinical evidence and standardized tests (and)

       ► A licensed health care practitioner certifies the ADL disability is

           expected to continue for at least 90 days
Policy benefits may vary by state.
   Covered Expenses

      ►    Coverage
            – Pay actual charges up to the LTCI Benefit Amount

               ■ At home

                  > Adult Day Care, Professional/ Non-Professional Care,
                    Hospice Care and Full/ Total Homemaker Services
                  > Independent home health care

               ■ In a Nursing Home or Assisted Living Facility

            – Unused benefits extend the benefit period




Policy benefits may vary by state.
   Built in Policy Features
   Staying at Home for as Long as Possible

      ►   Total homemaker services¹
           – household duties, such as laundry, meal preparation,
             and paying bills
           – monitor medications

           – reduces Total Benefit

           – subject to the Elimination Period

           – no “incidental” requirement




1. Total homemaker services does not include shopping
Policy benefits may vary by state.
   Built in Policy Features
   Staying at Home for as Long as Possible

      ►    Independent home health care
            – Covers unlicensed providers

               ■ Personal Care Services where provider qualification is
                 not required
                  > Immediate family members can be compensated if working
                    through an approved provider




Policy benefits may vary by state.
   Plan of Care
   Staying at home for as long as possible

      ►    Policy language allows for flexibility in coverage and ability to
           develop Plan of Care that meets client needs now and in the future

        Plan of Care means a written plan for long term care services designed especially for
        You. This Plan of Care must specify the type, cost, frequency, expected duration and
        providers of all the services You require. Services must be in accordance with
        accepted relevant standards of practice and appropriate to meet the needs identified
        in the assessment of Your functional and cognitive needs. A Licensed Health Care
        Practitioner must approve Your Plan of Care.

        Your Plan of Care must be updated as Your condition and needs change. We
        must be provided with a revised Plan of Care each time it is updated. We reserve the
        right to request periodic updates regarding Your Plan of Care, but not more frequently
        than once every 30 days. No more than one Plan of Care may be in effect at a time.


Policy benefits may vary by state.
   Who Can Apply?


   ►       Applicant Age: 18-79




Policy benefits may vary by state.
   Policy Design Options – Decision #1

      ►    LTCI Benefit Amount
            – Daily: $50-$500 per day

               ■ $10 increments

            – Monthly: $1,500-$15,000 per month

               ■ $100 increments

               ■ Monthly benefit premium is 4% higher than daily




1. Not payable under the International Coverage Benefit
Policy benefits may vary by state.
   Elimination Period

      ► Elimination Period
         – 100 dates of service

         – One time elimination period

         – 1=1

      ► Optional Zero-Day Elimination Period for Home Health Care1

         – Waives the Elimination Period for home health care,
            adult day care
         – Rider cost is 13%




Policy benefits may vary by state.
   Policy Design Options – Decision #2

      ►    Benefit Period
            – 3 Years (1,095 days) (36 months)

            – 5 Years (1,825 days) (60 months)

            – 5 Years Plus $1 Million




1. No new Elimination Period. No “Additional Stay at Home” services
Policy benefits may vary by state.
   Policy Design Options – Decision #2

   ►       Total Benefit
            – 5 Years Plus $1Million Monthly Example



                          $273,750 ($4,500month benefit x 5years (60 months))
                        + $1,000,000
                          $1,273,750 (Total Benefit)




Policy benefits may vary by state.
   Policy Design Options – Decision #2

   ►       5 Year Benefit Period
            – Plus $1 Million pool

               – Once 5 year pool is exhausted

               – $1 Million addition pool is added

               – Then $1 Million pool and current LTCI Benefit Amount will
                  grow according to inflation coverage




1. No new Elimination Period. No “Additional Stay at Home” services
Policy benefits may vary by state.
   5 Year Plus $1 Million vs. Unlimited
   90/100 day Elimination Period, $4,500 Monthly Maximum, Compound Inflation,
   Married Select


                                              Percentage to Leading Edge Premiums
  170%
                                                       vs. 5-Yr Plus $1MM
  160%                                                  Premium Sweet Spots: ALL Ages

  150%

  140%


  130%

  120%


  110%

  100%
                   Allianz                Genworth                   Met          Mass           Pru          MedAm        CC II
                 Generation               Privileged                Ideal 2      MM- 400        LTC-3        Simplicity   Custom
                 Protector II              Choice                                                                         Care II

                                                          45                50    55       60           65
Competitive information is accurate to the best of our knowledge as of 6/2006
Policy benefits may vary by state.
   Consumer Price Index (CPI)

      ►    Leading Edge Automatic Inflation Coverage
            – Annual Compound increases based on the Consumer Price Index

                ■ The Consumer Price Index (CPI) is a measure of the average change in
                  the price paid by urban consumers for a fixed market basket of consumer
                  goods & services. CPI is the most widely used measure of inflation.
                ■ Steadily increased over the last 50 years

                ■ Tied Urban Index

                   > Includes housing & labor costs

            – No limit to the CPI increase

            – If CPI decreases, benefits remain level

            – Level premium



Policy benefits may vary by state.
                                                               CPI




                                                        $100
                                                               $200
                                                                      $300
                                                                             $400




                                                   $0
                                            1975
                                            1976




Policy benefits may vary by state.
                                            1977
                                            1978
                                            1979
                                            1980
                                            1981
                                            1982
                                            1983
                                            1984
                                            1985
                                            1986
                                            1987
                                            1988
                                            1989
                                            1990



                                     Year
                                            1991
                                            1992
                                            1993
                                                                                    Historical CPI Performance




                                            1994
                                            1995
                                            1996
                                            1997
                                            1998
                                            1999
                                            2000
                                            2001
                                            2002
                                            2003
                                            2004
                                            2005
   5% Simple Inflation Performance


             $500


             $400


             $300
                                                                          $255
             $200


             $100


                  $0
                             5Yrs    10Yrs   15Yrs    20Yrs   25Yrs   30Yrs

                                              CCII w/Simple
Policy benefits may vary by state.
   5% Compound Inflation Performance


             $500

                                                                                $432
             $400


             $300
                                                                                $255
             $200


             $100


                 $0
                         5Yrs        10Yrs   15Yrs     20Yrs    25Yrs       30Yrs

                                               CCII w/Simple   CC II w/5% Compound
Policy benefits may vary by state.
   Automatic Compound CPI Performance

                                                                                 4.4%
            $500
                                                            6.55%                    $432
            $400
                                       7.05%                                         $366
            $300
                                                                                     $250
            $200

            $100

                 $0
                         5Yrs         10Yrs     15Yrs     20Yrs      25Yrs       30Yrs

                                 Leading Edge     CCII w/Simple     CC II w/5% Compound
Policy benefits may vary by state.
   55 Year Old
   Preferred Health – Married Both Applying
   $3,000 Monthly 5-Year Benefit Period, 100 Day Elimination Period
   Inflation Based on 30 Year Calculation



             $500             Premiums:                        23% more than
                              Leading Edge           $805      Leading Edge                $432
             $400             CC II w/Simple         $720
                              CC II w/5% Compound    $991                                  $366
             $300
                                                                                           $250
             $200

             $100


                 $0
                         5Yrs          10Yrs        15Yrs     20Yrs            25Yrs   30Yrs

                                 Leading Edge         CCII w/Simple       CC II w/5% Compound
Policy benefits may vary by state.
   50 Year Old
   Preferred Health – Married Both Applying
   $3,000 Monthly 5-Year Benefit Period, 100 Day Elimination Period
   Inflation Based on 30 Year Calculation



             $500             Premiums:                        26% more than
                              Leading Edge           $724       Leading Edge                $432
             $400             CC II w/Simple         $594
                              CC II w/5% Compound    $913                                   $366
             $300
                                                                                            $250
             $200

             $100


                 $0
                         5Yrs          10Yrs        15Yrs     20Yrs            25Yrs    30Yrs

                                 Leading Edge         CCII w/Simple        CC II w/5% Compound
Policy benefits may vary by state.
   45 Year Old
   Preferred Health – Married Both Applying
   $3,000 Monthly 5-Year Benefit Period, 100 Day Elimination Period
   Inflation Based on 30 Year Calculation



             $500             Premiums:                        41% more than
                              Leading Edge $612                Leading Edge                $432
                              CC II w/Simple         $522
             $400
                              CC II w/5% Compound    $862                                  $366
             $300
                                                                                           $250
             $200

             $100


                 $0
                         5Yrs          10Yrs        15Yrs     20Yrs            25Yrs   30Yrs

                                 Leading Edge         CCII w/Simple       CC II w/5% Compound
Policy benefits may vary by state.
    Policy Design Options – Decision #3

      ►    5% Compound Guaranteed Purchase Inflation (GPO)¹
            – Every three years

            – Option to increase benefits and Total Pool of Money by 5%
              compounded (15.8% total increase)
            – No offers after two declines

            – Premium increases with benefit increases

            – No additional underwriting




1. GPO not available in AK, CO, D.C., GA, NC, NY, SC, WI, and WY. After two declines, no future or lesser offers will be made. Cost in benefit increase will be
        determined at attained age. Benefits will continue to increase, even if client is on claim.
Policy benefits may vary by state.
   Built in Policy Features
   Staying at Home for as Long as Possible

   ►       Additional Stay at Home Services
            – home modifications

            – durable medical equipment

            – caregiver training

            – home safety checks

            – medical alert systems

            – Equal to 1 X Monthly Benefit or 30 X Daily Benefit

            – Not subject to the Elimination Period

            – Benefit reduces the pool of money


Policy benefits may vary by state.
   Policyholder Services
   Supporting Clients and Their Family

   ►       Caregiver Support Services
            – Personalized telephone & website support

            – Access to quality reports and ratings on over 90,0000 nursing
              home, assisted living facilities, hospice, and home health care
              providers nationwide
            – Access to exclusive provider discounts ( 7%-35% )

            – Care advisory services

            – Family members include Spouse or Partner and their parents,
              stepparents, grandparents, siblings, children, step children,
              grandchildren, and their respective spouses.
Policy benefits may vary by state.
   Built in Policy Features
   Supporting Clients and Their Family

   ►       Respite care Benefit
            – 21 days per calendar year

            – Not subject to elimination period

            – Reduces policy limit

   ►       Hospice Care
            – As hospice care is defined as care being provided to someone
              who is terminally ill John Hancock wants to be sure policyholders
              do not have to wait for care
               – Not subject to the Elimination Period

               – Any setting
Policy benefits may vary by state.
   Built in Policy Features
   Providing Clients Flexibility & Choice

      ►    Lifestyle Benefit Changes
            – Written request to increase LTCI Benefit amounts once per policy year
                 ■ Subject to underwriting
                 ■ Attained age premium
                     > Age based on date the request is made at the rates then in effect
                 ■ Received within 30 days prior to anniversary
                 ■ Effective on the next policy anniversary
            – Written request to decrease LTCI Benefit amounts at any time
                 ■ Not subject to evidence of insurability
                 ■ Premium reduction based on original issue age


              –     Policyholders may increase their original coverage once a year
              –     WITHOUT having to purchase an additional policy
Policy benefits may vary by state.
   Built in Policy Features
   Providing Clients Flexibility & Choice

   ►       International Coverage 1
            – 1 year @ 100%

            – Anywhere in the world

            – Balance of benefit received in US

   ►       Bed Hold Benefit
            – 60 days per calendar year for any reason

            – subject to the elimination period

            – Reduces policy limit



1. No Hospice, Additional Stay at Home or Respite
Policy benefits may vary by state.
   Optional Benefits
   Providing Clients Flexibility & Choice

   ►       SharedCare
            – Allows partners to access the benefits under the other’s policy
              once their own is exhausted
                – collectively purchase less & share benefits

                – partners must both have the rider and identical benefits

            – If the partner dies

                – their benefits will increase the surviving partner’s remaining
                   benefit dollars
                – total premiums will be reduced by the cost of the deceased
                   spouse’s premium and the cost of both SharedCare riders
Policy benefits may vary by state.
   Optional Benefits
   Providing Clients Flexibility & Choice

   ►       SharedCare
            – SharedCare Rider Cost

               – 3 Year – 16%

               – 5 Year – 10%

               – 5 Year Plus $1Million – 2%

            – 60-Day offer if the insured’s benefits exhausted by partner¹

               – option to purchase a policy with a 3-year benefit

               – no underwriting if no claims in prior three years

               – prior to age 91

1. In NY 1-year worth of benefits must be retained for the PH's exclusive used. In AZ 2-years worth of benefits must be retained.
Policy benefits may vary by state.
   Optional Benefits
   Providing Clients Flexibility & Choice

   ►       Nonforfeiture
            – Policyholder stops paying premiums after the third year

            – New policy limit equal to premiums paid less any claims paid

            – Limited pay options after the first year

            – Rider cost is 6%




Policy benefits may vary by state.
   Premium Funding Flexibility

   ►      Life pay
   ►      Limited Pay – Payment Options
           – 10-Pay
           – Paid Up at Age 65
           – Guaranteed renewable during the premium paying period
           – Non-cancelable thereafter




Not available with 5% Compound Guaranteed Purchase Option.
Policy benefits may vary by state.
   Premium Payment

   ►       Modes
            – Bank Draft Monthly (void check required)

            – Quarterly

            – Semi-annually

            – Annually

   ►       One month deposit required
   ►       Credit Cards for all modes
   ►       Saving age at issue


Policy benefits may vary by state.
   Built in Policy Features

   ►       30-Day Free Look
   ►       Waiver of Premium
   ►       Guaranteed Renewable
   ►       Grace Period
   ►       Added Protection Against Lapse
   ►       Contingent Nonforfeiture




Policy benefits may vary by state.
   Ratings and Discounts

   ►       Partner’s (Couple’s/spouses)
            – Married

            – Lived with family member of same generation for three years

            – Lived with partner of same sex or opposite sex for 3 years




Policy benefits may vary by state.
   Ratings & Discounts

   ►      Partner Discount
           – 15% one applying

           – 30% if both apply and are approved

   ►      One Application
   ►      Underwriting Classes
           – Preferred (Discounted 15% of Select)

           – Select (Standard)

           – Counter Offer for Sub-Standard to CCII


The maximum combination of preferred and couples/spousal discounts is 40% (i.e. Preferred 15% + Couples/Spousal approved 30% = 45% – Maximum
        available is 40%)
Policy benefits may vary by state.
   Additional Discounts

      ► 5% Discount Programs with no commission reductions
         – Sponsored Group Discount – for employers with 5 employees
            participating or associations with 10 members participating
         – Family Discount – Available when 3 or more immediate family
            members purchase individual JH long term care insurance
         – Valued Client Discount – Existing JH and Manulife annuity and
            life clients are eligible for this discount
         – Loyalty Credit – Current JH long term care insurance
            policyholders with policies inforce for at least 2 years can replace
            their coverage for Leading Edge with the discount
      ► Sponsored Group, Family and Valued Client discounts can’t be used
        in conjunction with one another
Policy benefits may vary by state.
   John Hancock Leading Edge

      ►    The right product
            – Automatic compound inflation linked to the Consumer Price Index
              (CPI)
            – Simplifies product offering

            – Caregiver support services

            – Expanded Home Health Care Services

            – A simplified claims process

            – Credit card payments for all premium payment modes




Policy benefits may vary by state.
   John Hancock Leading Edge

      ►    The right price
            – A practical new approach to inflation protection along with the
              innovative investment strategy to back it up
            – A creative alternative to expensive lifetime coverage




Policy benefits may vary by state.
   John Hancock Leading Edge

      ►    The right time
            – Greater access to new markets with a new price point

            – Right time for boomers

            – Easy to understand and easy to sell benefits

            – Stable pricing backed by John Hancock’s strength, stability and
              experience




Policy benefits may vary by state.
   Launch Kit Review

      ► Rollout Memo
      ► Leading Edge Prospecting letter

      ► “Sample” Application Booklet

      ► Producer Guide

      ► Collateral Guide




Policy benefits may vary by state.
   Launch Kit Review

      ► Consumer Product Brochure
      ► Caregiver Services Brochure




Policy benefits may vary by state.
   Leading Edge Illustrations

      ► Leading Edge can be illustrated, in approved states, using eHansel
      ► Hansel LTC (version 8.0) will be available for download from the web

      ► New Hansel LTC CDs are scheduled to begin shipping to our normal
        distribution list
      ► Future state approvals will be updated in eHansel on the launch

        dates and will be included in Hansel service packs (patches) that can
        be downloaded from the web




Policy benefits may vary by state.
   Leading Edge - Optional Reports

      ► Policy Option Spreadsheet – illustrates premiums by inflation option
        for each benefit period
      ► Inflation Projection – optional report for 5% Compound Guaranteed
        Inflation Coverage . Required for Automatic Inflation (CPI) with
        future CPI increases illustrated at 3%, 5% and 7%.
      ► Cost of Waiting with Inflation – shows the impact of waiting to
        purchase both by age and benefit amount (impacted by inflation –
        3% 5% and 7% used for CPI)
      ► Break Even Analysis – Assumes 3%, 5% and 7% growth when
        Automatic Inflation (CPI) is illustrated
      ► Premium Tables – rates for all ages with option to show 3 different
        policy designs
Policy benefits may vary by state.
   Automatic Inflation (CPI)

The Inflation
Protection report
will be a required
part of the
illustration
whenever
Automatic Inflation
(CPI) is selected or                 The future LTC
in a state where it is               Benefits and Policy
the only inflation                   Limits will be
coverage available                   calculated
                                     assuming CPI
                                     growth of 3%, 5%
                                     and 7%
Policy benefits may vary by state.
   Automatic Inflation (CPI)

When the 5 Years
Plus $1 Million Benefit
Period is selected, the
$1,000,000 will be
added to the Policy
Limit but the                        An explanation of
$1,000,000 will not be               how the CPI
adjusted for inflation               changes impact
in the illustration                  the Benefit Amount
                                     and Policy Limit is
                                     provided in this
                                     footnote

Policy benefits may vary by state.
   When to Sell CCII

      ► Over age 79
      ► Health Issues – substandard ratings

      ► Must have

         – 5% Compound

         – Lifetime

         – Double Coverage Accident Benefit or Return of Premium

         – Multiple Elimination Periods (30, 60, 180, 365)

      ► FamilyCare vs SharedCare

      ► Corporate Solutions

      ► Affluent, non-premium sensitive clients
Policy benefits may vary by state.
   Questions

      ►    For more information on John Hancock’s Leading Edge please call
           your Sales Support Hotline

      MGA’s and affiliated producers           800-377-7311

      JHFN Producers & Brokers                 888-604-7295

      National Accounts and Broker/Dealers 800-270-1700


Policy benefits may vary by state.
Long Term Care is Underwritten by John Hancock Life Insurance Company, Boston, MA 02117.
For professional use only. Not for use with consumers.

LTC-5516 7/2006

				
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