John Hancock Long Term Care Insurance Underwriting Changes

Last updated: December 31, 2021 at 12:25 pm
John Hancock Long Term Care Insurance recently announced changes to their underwriting guidelines. Medical records will now be required on all applicants regardless of age or health history.

The Height and Weight Table with John Hancock Long Term Care Insurance has also been revised, primarily to address underweight and extremely obese long term care insurance applicants. There have also been changes in regards to certain co-morbid medical conditions. These changes are not limited to John Hancock Long Term Care. In fact, most long term care insurance companies have become more selective about which individuals they are willing to insure for long term care. The specific changes will vary by long term care insurance company and you should consult a long term care specialist about the underwriting criteria of Aetna, Thrivent Financial, Securian, Mutual of Omaha or other long term care insurance providers you may be considering.