July 15, 2014

Not all life insurance cases involve the age 65 female with NO health issues and NO meds. Your cases involve real people with real medical conditions. Use this tool to get a feel for how John Hancock's underwriters will assess your client’s health rating before submitting your app.

This interactive guide contains:

Field Underwriting Guide

Life Medical Impairments
View common impairments, what underwriters look for, and their likely underwriting decision.

LTC Rider Medical Impairments
See the likely underwriting decision for LTC Riders

Rated Build Chart
See the maximum weight allowed, based on your clients' height.

This UW guide can be found in the Agents Only section of our website.

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Accurate quoting is imperative to PLACING the case. 

Please never hesitate to call us for help. The underwriting tool is for your convenience. 

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