LifeCare: A hybrid IUL with LTC benefits that delivers more
John Hancock's LifeCare offers clients a new approach to longevity planning by helping them live well today, maintain their independence, and financially protect their future. In short, it's a powerful solution designed to deliver more when it's needed most.
LifeCare: A hybrid IUL with LTC benefits that delivers more
John Hancock's LifeCare offers clients a new approach to longevity planning by helping them live well today, maintain their independence, and financially protect their future. In short, it's a powerful solution designed to deliver more when it's needed most.
Without a formalized strategy, your clients could face a number of risks in retirement, such as:
As a trusted financial professional, addressing longevity with your clients is essential for preserving their financial well-being and your business model.
LifeCare from John Hancock empowers clients to live well today while being prepared for the financial, physical and emotional consequences of requiring care as they age. With the flexibility to adapt as life evolves, LifeCare is designed to deliver more when it’s needed the most, in the following ways:
Growth
Indexed universal life with the potential to outperform fixed inflation options, three indexed accounts with guaranteed multipliers, and benefits that can grow over time.
Flexibility
Multiple premium schedules (single-, 5-, 10-, 15-pays) and choice of indemnity or reimbursement benefits.
Control
Vitality PLUS engagement rewards healthy living and offers opportunities to enhance benefits, plus access to indemnity benefits outside of US.
Contact your dedicated John Hancock LifeCare sales support team at 844-544-5433 or jhlifecare@jhancock.com to learn more.
What to expect next
Once you submit your information, a member of our dedicated LifeCare sales support team will reach out to you to offer personalized assistance and answer any questions.
FOR AGENT USE ONLY. THIS MATERIAL MAY NOT BE USED WITH THE PUBLIC.
Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.
The LifeCare Long-Term Care rider and the LifeCare Long-Term Care Inflation rider accelerate the death benefit for approved long term care expenses and, depending on the benefit period selected, may also offer an extension of long term care benefits after the death benefit has been fully accelerated. When the death benefit is accelerated for long-term care expenses, it is reduced dollar for dollar, and the cash value is reduced proportionately. The riders have a maximum monthly benefit amount and are subject to underwriting. There are additional fixed premiums associated with these riders. The riders have exclusions and limitations, reductions of benefits, and terms under which it may be continued in force or discontinued. Consult the state specific Outline of Coverage for additional details.
Comments on taxation are based on John Hancock’s understanding of current tax law, which is subject to change. No legal, tax or accounting advice can be given by John Hancock, its agents, employees or licensed agents. Prospective purchasers should consult their tax professional for details.
Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. John Hancock Vitality Program rewards and discounts are available only to the person insured under the eligible life insurance policy, may vary based on the type of insurance policy purchased and the state where the policy was issued, are subject to change and are not guaranteed to remain the same for the life of the policy. To be eligible to earn rewards and discounts by participating in the Vitality program, the insured must register for Vitality and in most instances also complete the Vitality Healthy Review (VHR).
Insurance policies and/or associated riders and features may not be available in all states. Some riders may have additional premiums and expenses associated with them.
The insured is financially responsible to their care providers, including charges not covered by the LifeCare Long-Term Care rider or LifeCare Long-Term Care Inflation rider.
For LifeCare policies, participation in John Hancock Vitality PLUS can increase the death benefit. Increases in the death benefit may also increase the total LTC benefit if the LifeCare Long-Term Care rider is chosen. Note, the Long-Term Care Inflation rider benefit balance is not impacted by increases in the death benefit — it only increases based on 5% inflation each year.
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This material is for Agent and Institutional / Broker – Dealer use only. Not for distribution or use 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 Hancock Life Insurance Company of New York, Valhalla, NY 10595. Variable insurance products are offered through John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 197 Clarendon Street, Boston, MA 02116.
Insurance policies and/or associated riders and features may not be available in all states.
© 2025 John Hancock Life Insurance Company (U.S.A.). All rights reserved.
