Comments on: Big News From John Hancock LTCi http://www.bjfim.com/2010/blog/product-reviews/big-news-from-john-hancock-ltci/ The Go-To Team for Long Term Care Insurance Brokerage Tue, 05 Apr 2011 16:45:58 +0000 hourly 1 http://wordpress.org/?v=3.1.1 By: Barry J. Fisher http://www.bjfim.com/2010/blog/product-reviews/big-news-from-john-hancock-ltci/comment-page-1/#comment-2405 Barry J. Fisher Mon, 24 Jan 2011 03:48:13 +0000 http://www.bjfim.com/?p=698#comment-2405 My apologies for not getting back with you sooner; I'm still learning how to use all of the functions of this Blog. My guess is No. JH has no products available in CA right now and this would be a new submission. That being said we have a number of companies that will issue a with a policy with spousal discounts just due to the fact that they're married. Please contact me directly at barry@paradigmins.com. BJF My apologies for not getting back with you sooner; I’m still learning how to use all of the functions of this Blog.

My guess is No. JH has no products available in CA right now and this would be a new submission. That being said we have a number of companies that will issue a with a policy with spousal discounts just due to the fact that they’re married. Please contact me directly at barry@paradigmins.com. BJF

]]> By: Cynthia Schwert http://www.bjfim.com/2010/blog/product-reviews/big-news-from-john-hancock-ltci/comment-page-1/#comment-2397 Cynthia Schwert Mon, 24 Jan 2011 02:11:43 +0000 http://www.bjfim.com/?p=698#comment-2397 Will Hancock add a spouse if they have an existing policyholder? Ihave a client who is with hancock and wants LTC for his wife... Will Hancock add a spouse if they have an existing policyholder? Ihave a client who is with hancock and wants LTC for his wife…

]]> By: Barry J. Fisher http://www.bjfim.com/2010/blog/product-reviews/big-news-from-john-hancock-ltci/comment-page-1/#comment-431 Barry J. Fisher Fri, 07 May 2010 13:18:44 +0000 http://www.bjfim.com/?p=698#comment-431 LBL has been going through a systematic in-force rate increase on their pre and post rate stabilized business. While I know that 30% seems like a lot, this increase is on a 10-pay product that you probably sold. The actual rate increase on annual pay business was closer to 10%. The 30% is due to the fact the the polcyholder probably has less than three more years of premium to pay and then he/she is done therefore the rate increase was "compressed" so to speak. The good news for this client is that after the 10 pay is up they're done with premiums and any future rate increases. Good question! LBL has been going through a systematic in-force rate increase on their pre and post rate stabilized business. While I know that 30% seems like a lot, this increase is on a 10-pay product that you probably sold. The actual rate increase on annual pay business was closer to 10%. The 30% is due to the fact the the polcyholder probably has less than three more years of premium to pay and then he/she is done therefore the rate increase was “compressed” so to speak. The good news for this client is that after the 10 pay is up they’re done with premiums and any future rate increases. Good question!

]]> By: Jerry Daniel http://www.bjfim.com/2010/blog/product-reviews/big-news-from-john-hancock-ltci/comment-page-1/#comment-428 Jerry Daniel Fri, 07 May 2010 02:35:24 +0000 http://www.bjfim.com/?p=698#comment-428 Any comment or information on Lincoln Benefit Life's 30%+ rate increase on their LTC business? Any comment or information on Lincoln Benefit Life’s 30%+ rate increase on their LTC business?

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