Important updates

John Hancock Underwriting and COVID-19

June 25, 2020


To our valued distribution partners,


As a leader in innovation and digital transformation, our goal is to offer you the most modern and efficient solutions to help streamline how you do business. In recent months, mindful of the challenges you have faced, we have accelerated our digital health data strategy to offer you alternative ways to access information.

We are pleased to let you know we are experiencing favorable outcomes from our collaborations with Human API and Clareto. By enabling access to digital health information in real time and reducing the wait time for medical records by as much as 30-45 days, these digital platforms are expediting the underwriting process and significantly improving the client experience. We encourage you to explore these capabilities and see how they can make the application process easier for you and your clients. Meanwhile, we will continue to explore additional solutions, including new ways to access digital health information, and will update you as new offerings become available.

Additional underwriting updates:

  • We are excited to announce availability of facultative capacity up to $40M, up to and including age 59.1
  • In addition, we have resumed accepting and processing applications on individuals up to and including age 90.2

On behalf of everyone at John Hancock, thank you for your partnership. We look forward to continuing to serve you and your clients and welcome your feedback on ways we can improve our processes.


Susan Ghalili, FALU, FLMI, CLU 
VP, Underwriting Transformation
Chief Underwriter

Latest updates


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Enhancements to the John Hancock Vitality Program
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Doing business with John Hancock and COVID-19
March 15, 2021

Important updates
Ongoing USPS delays
February 5, 2021

Important updates
John Hancock Grace Period Accommodations
July 28, 2020 



1. Facultative capacity was temporarily reduced to $15M; Facultative capacity grades down by age

2. Insurance age 90