John Hancock: Immediate changes to applications with LTC riders in Washington state



Over the past several weeks, John Hancock has adjusted their requirements to balance the increase in demand with their commitment to serving partners and their clients seeking lasting insurance coverage. However, volume has reached a point where John Hancock needs to implement the following temporary changes.

  • Beginning August 6, John Hancock will temporarily suspend all applications with the LTC rider in Washington. To meet the deadline, applications must be received in good order by the close of business on August 5. John Hancock expects to resume accepting applications for the LTC rider in Washington after November 1, 2021.
  • In the meantime, from July 30 - August 5, for new application submissions, only illustrations with annual premium mode will be accepted when the LTC rider is elected in Washington. Please contact National Sales Support to obtain a revised illustration for any mode other than annual on applications submitted prior to Friday, July 30. 

As previously announced, the minimum face amount for all applications that include the LTC rider in Washington is currently $250,000.

By making these changes, John Hancock can best serve all of their customers, including Washington workers seeking to purchase long-term care coverage prior to the state deadline to apply for an exemption from WA Cares coverage. Please note, however, that they can make no guarantee that policies will be issued by a certain date.



With new long-term care (LTC) legislation in Washington state, John Hancock is seeing an increase in demand for permanent insurance with an LTC rider, particularly at very low face amounts. To best meet this demand and to help ensure these policies are being purchased for the purpose of lasting life insurance and LTC protection, John Hancock is implementing the following changes:

Increased minimum face amount: Effective immediately, the minimum face amount for all John Hancock applications that include the LTC rider in Washington will increase to $250,000. Any Washington state application with an LTC rider and a face amount below $250,000 will no longer be accepted. When the LTC rider is not included on a policy, the minimum face amount will remain at $50,000 across our single-life, permanent products.

Illustration updates: Also effective immediately, the LTC rider will not be available on JH Illustrator at any face amount in Washington until July 19, 2021. At that time JH Illustrator will be updated so that the rider is available for face amounts of $250,000 or more. Until July 19, if you wish to run an illustration with the LTC rider for a Washington policy with a minimum face amount of $250,000 or more, please contact us.

Please note: these changes only apply in Washington state with the LTC rider. There are no changes to minimum face amount requirements in other states.

Please give us a call at 1-800-792-6795 if you have any questions.