--- title: John Hancock LifeCare description: John Hancock introduced LifeCare, a hybrid indexed UL Life Insurance solution with Long-Term Care benefits. image: https://www.ltcipartners.com/hubfs/Brokerage/Brokerage%20Logos%20for%20Blogs/John%20Hancock%20Blog%20Logo.png --- ## Planning Tips and Carrier News for Advisors - [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog) - [Planning Tips and Carrier News for Advisors](https://www.ltcipartners.com/carriernews) - [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america) - [Group LTC Benefits Blog](https://www.ltcipartners.com/group-ltc) - [On-demand webinar library](https://www.gotostage.com/channel/ltcipartners) - [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog) - [Planning Tips and Carrier News for Advisors](https://www.ltcipartners.com/carriernews) - [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america) - [Group LTC Benefits Blog](https://www.ltcipartners.com/group-ltc) - [On-demand webinar library](https://www.gotostage.com/channel/ltcipartners) [Jun 29, 2026 ### John Hancock in-force rate action for select states ](https://www.ltcipartners.com/carriernews/john-hancock-in-force-rate-action-for-select-states) ## Never miss any update Subscribe to the Planning Tips and Carrier News for Advisors newsletter today to receive updates on the latest news from our carriers. Your privacy is important to us. We have developed a [Privacy Policy](https://www.ltcipartners.com/ltci-partners-privacy-policy) that covers how we collect, use, disclose, transfer, and store your information.  Feb 3, 2025 • [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners) ## John Hancock LifeCare - [Tweet](https://twitter.com/share)     Introducing LifeCare: a hybrid Indexed UL with LTC benefits that delivers more      ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  |   |     Introducing LifeCare A hybrid indexed UL with LTC benefits that delivers more We are thrilled to introduce LifeCare, a hybrid indexed UL life insurance solution with long-term care benefits. This product offers your clients a unique way to reposition assets today for a more secure tomorrow. LifeCare’s modern design, intuitive digital application, streamlined underwriting process, and integration with the John Hancock Vitality Program make it a compelling life insurance choice for today’s customers. Where LifeCare stands out More when you need it: Much higher death benefits and cash value growth potential with a very competitive Maximum Monthly Benefit Amount (MMBA) when it's needed the most Growth with guarantees: The Annual Benefit Lock Guarantee feature provides the potential to lock in increases to the death benefit and MMBA at each policy anniversary through positive index performance Indemnity & reimbursement: At claim, indemnity payments up to the per-diem and reimbursement above that amount, both on a tax-favored basis John Hancock Vitality PLUS: Offers customers a unique opportunity to enhance benefit growth and align to a key desire: More healthy days* Explore the details Submission and underwriting highlights Four available risk classes Potential for instant underwriting decision — and these submissions are generally issued within 7 business days Traditional paramedical exam/labs not required Webinar LifeCare: A hybrid IUL with LTC benefits solution that delivers more Join us on February 12 at 2 p.m. ET for an exciting webinar as we unveil LifeCare and share how it can transform your sales.   Register now State approvals LifeCare is approved in all states except: California, Connecticut, Delaware, D.C, Florida, Guam, Indiana, Montana, New Jersey, New York, North Dakota, Puerto Rico, South Carolina, South Dakota Essential tools and resources These resources have been developed specifically for LifeCare, to help you achieve sales success! Producer Guide Pre-qualification Questionnaire Field Underwriting Guide Application Tips In an era of rising costs and increased life expectancy, clients are seeking innovative protection solutions. Start sharing the LifeCare story today! We are ready to help Contact your dedicated John Hancock LifeCare specialist at 844-544-5433 to learn more.       *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. FOR AGENT USE ONLY. THIS MATERIAL MAY NOT BE USED WITH THE PUBLIC. 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. Guaranteed product features are dependent upon minimum-premium requirements and the claims-paying ability of the issuer. Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. 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). The long-term care benefits are designed to be excludable from gross income under federal tax law; however, there might be situations in which the benefits or premiums for these riders are taxable. 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, 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. Policy issuance is not guaranteed as any life insurance purchase is subject to completion of an application, including health questions, and underwriting approval. John Hancock may obtain additional information, including medical records, to evaluate the application for insurance, and, after the policy is issued, to identify any misrepresentation in the application. 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. 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. MLINY013125718-1   |   | | --- | --- | --- | . ## Written by [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "LTCI Partners", "url" : "https://www.ltcipartners.com/carriernews/author/ltci-partners" }, "dateModified" : "2025-02-03T20:45:00.405Z", "datePublished" : "2025-02-03T20:45:00.000Z", "headline" : "John Hancock LifeCare", "image" : [ "https://www.ltcipartners.com/hubfs/Brokerage/Brokerage%20Logos%20for%20Blogs/John%20Hancock%20Blog%20Logo.png" ], "mainEntityOfPage" : { "@id" : "https://www.ltcipartners.com/carriernews/john-hancock-lifecare", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.ltcipartners.com/hs-fs/hub/405630/file-1004497223.png" }, "name" : "LTCI Partners, LLC" } } ```