Underwriting Guidelines

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The Underwriting Advantage at John Hancock

You work hard to prospect and sell new cases. You need an insurance company that works just as hard to underwrite them. We take pride in our progressive, competitive and flexible underwriting guidelines. Our team of close to 100 underwriters will help you place your business as easily and promptly as possible, working with you every step of the way.

Underwriting Guidelines

Click here to download the Underwriting Guidelines brochure.

Click on the links below for quick and easy access to:

Routine Underwriting Requirements

Preferred and Super Preferred Criteria

Standard Plus Underwriting Criteria

Smoking Definition

Standard Plus -- Available on Protection UL-G 07 and Term 07 Products

Validating Finances on a Life Insurance Application

Take a look at your choices on obtaining third-party verification for income and net worth, as well as telephone interviews and inspection reports.

Life Insurance Preferred Vendors

Please use this handy reference for a current list of John Hancock Life's Preferred Vendors for underwriting requirements.

Practices Regarding the Payment and Sharing of Attending Physician Statements

This flyer outlines the practice of John Hancock Life New Business regarding the sharing and payment of Attending Physician Statement vendor fees.

Agent Broker Companion (ABC) -- Your guide to underwriting impairments

Use this tool to access the information needed with each case to get the best possible offer in the shortest amount of time. For quick and easy access to the glossary of terms, medical impairments, non-medical risks, underwriting LifeCare Benefit riders, smoking definition and build chart, click on the links below.

	Introduction and Glossary of Terms
	Medical Impairments
	Non-Medical Risks
	Underwriting LifeCare Benefit Riders
	Smoking Definition
	Build Chart


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.