John Hancock Long Term Care Insurance Ratings - I begin any discussion of estate planning by emphasizing that it is as much about planning for the possibility of your incapacity as it is for the certainty of your death. When it comes to disability planning, I like to break it down into three categories: (1) what are your goals; (2) what resources do you need to achieve your goals; and (3) how will you cover the costs of achieving these goals?
Discussions about long-term care are some of the most difficult conversations I have with my clients. The goal that many of my clients have to leave the nursing home at all costs may conflict with the goal of protecting assets for those they leave behind. Planning for the possibility - and cost - of long-term care is important. At Clarity Legal Group, I encourage clients to take these five steps to prepare for these difficult conversations:
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If you have additional questions or concerns about the need for a long-term care plan, please contact the Raleigh, Durham, Chapel Hill real estate attorneys at Clarity Legal Group by calling us at 919-484-0012 or contact us online.
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With more than 30 years of private practice experience, Mark Costley has helped hundreds of North Carolinians with estate planning, living trusts, financial law, probate and trust administration. Mark's work includes aspects of teaching, strategic analysis and planning, documentation and helping clients achieve their goals. Dedicated to providing the best in planning, efficiency, management and asset protection. For more information, email [email protected], call 919-484-0012, or visit us online at .With over 150 years of experience, and backed by strong financial values that are among the highest in the industry, John Hancock has a proud history of providing financial solutions to approximately 2.8 million policyholders and delivering on our promises with more than $5 billion in claims paid annually.
John Hancock is the proven life insurance solution for many of our agents here at New Horizons.
The Long-Term Care (LTC) rider is designed to help consumers who are concerned about protecting themselves and their families from the high costs of long-term care.
When combined with John Hancock permanent life insurance, the optional LTC rider allows policyholders to accelerate death benefits to help cover long-term care costs, if needed.
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Many consumers realize the importance of purchasing life insurance and long term protection. If they want to meet two needs with one policy, a John Hancock permanent life plan with an LTC rider could be the solution. Adding an LTC rider to a permanent life insurance policy makes the face portion of the policy available each month to cover long-term care costs.
When you apply for an LTC rider, you choose an Immediate Benefit Percentage - this is the portion of the death benefit that you can use to cover long-term care costs. This percentage can vary from 1-100%. They then choose a monthly acceleration percentage, which determines how much they can spend on LTC services each month. It can be 1%, 2% or 4% of the Quick Profit Pool.
John Hancock requires all LTCTraining courses to be approved by ClearCert to be recognized as valid training. Visit www.clearcert.com/search-courses. To take an accredited course at a discount, visit www.JHInsuranceCE.com.
Protection UL is a health insurance plan that protects the financial future of customers while helping them live a long and healthy life. It is also one of the most flexible and affordable UL products on the market. And now that the John Hancock Vitality Program is included at no extra cost, all of your customers can be rewarded for being healthy.
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Protection IUL is designed for individual and business customers looking for affordable death protection with high returns and low risk. Other benefits include:
Accumulation IUL is designed for individual and corporate customers looking for competitive permanent life insurance with strong cash value. Other benefits include:
John Hancock's UL-G is a whole life insurance policy that provides guaranteed death coverage for life or as long as the customer needs it. UL-G can ensure that the customer's cover does not expire - even if the surrender value of the policy falls to zero.
UL-G offers your individual and business customers guaranteed life insurance coverage - see how UL-G meets their needs.
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John Hancock's Protection SUL plan is the cheapest plan available in the John Hancock business. In most cases, it is the cheapest SUL product in the industry. It offers highly competitive premiums at a range of premiums for all years for the top three risk categories.
SUL protection is designed for individual and business customers and has a wide range of uses: it can provide income protection for families or retirees or take care of estate planning needs .
Security SIUL is already one of the most affordable Survivorship Indexed UL products on the market, offering the highest equity performance opportunities and the lowest 0% guaranteed floor coverage. . And now that the John Hancock Vitality Program is included at no extra cost, all of your customers can be rewarded for being healthy.
Protection SIUL is designed for individual and business customers who want affordable protection against the death of two people, as well as a strong opportunity to accumulate income. Other benefits include:
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John Hancock's SUL-G is a survivor whole life insurance plan that offers flexible premium solutions and financing options - making it an attractive solution for consumers whose primary policy is guaranteed by ts death protection with a fixed fee.
SUL-G is designed for customers who want guaranteed premium death cover for two lives. It is an ideal solution in business planning and in wealth transfer situations, such as equity and business transfer financing.
In terms of low cost protection and value for money potential, VUL Protection has become one of the most competitive products on the market. Cash payments from a Protection VUL can be used to supplement a pension or help pay for other expenses, such as college tuition. And now that the John Hancock Vitality Program is included at no extra cost, all of your customers can be rewarded for being healthy.
VUL coverage is designed for consumers looking for death coverage, along with strong cash value potential. Other benefits include:
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Accumulation VUL is designed to be one of the most flexible global life insurance products in the industry for retirement value and income potential. Policyholders can choose from a range of investment options or opt for the convenience of automatic diversification with Managed Volatility Portfolios. And now that the John Hancock Vitality Program is included at no extra cost, all of your customers can be rewarded for being healthy.
The VUL's value proposition and zero-net cost loan make it an ideal choice for individual and business customers looking to supplement their retirement savings. Other benefits include:
SVUL coverage provides adequate survival coverage as well as an opportunity to accumulate income. The policy can be used to reduce an inheritance, pay estate taxes or provide cash flow to cover the transfer of a nearby business. Now that Vitality GO is included in all plans at no extra cost, your customers can also be rewarded with good health.
Protection SVUL is designed for customers who want a guaranteed survivor benefit with the ability to accumulate capital value. It is suitable for people aged 40 to 70 and offers many benefits including:
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In terms of ability to accumulate cash value, Accumulation SVUL is one of the best global life insurance products in the industry. It can be used for business purposes and in wealth transfer situations, such as providing cash to cover estate taxes or increasing retirement income. Now that Vitality GO is included in all plans at no extra cost, your customers can also be rewarded with good health.
Accumulation SVUL is for customers who wish to accumulate a large amount of money as a source of additional pension income over the life of two people. It can be used for business purposes and in wealth transfer situations, such as providing capital to cover estate taxes and retirement benefits. Other benefits include:
The protection period offers reasonable protection at premium levels with the option to convert the product to permanent for up to 70 years. It also offers a number of major features and riders for flexibility conditions. And now that the John Hancock Vitality Program is included at no extra cost, all of your customers can be rewarded for being healthy.
John Hancock Vitality Term protects your customers while you care for and reward them for living a healthy life. Our highly competitive product offers 10, 15 and 20 year terms and a guaranteed option to convert to a John Hancock permanent policy.
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If you have clients looking for affordable life insurance coverage today with the flexibility to convert into permanent coverage in the future, Vitality Term can meet their needs.
SmartProtect Term with Vitality is a quick and easy product that protects your customers while you care for them and reward them for living a healthy life. It provides competition
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