John Hancock – Concierge Underwriting


Delivering on our mission to make life insurance easy to buy

John Hancock is announcing the expansion of their concierge underwriting process. Building in developing innovative solutions and partnering with trusted distributors and reinsurers, this development is a major milestone in John Hancock’s mission to make life insurance easy to buy.

John Hancock concierge underwriting

The concierge underwriting process eliminates the need for a traditional insurance medical exam as part of the application process, when possible, by leveraging the health data available in traditional attending physician’s statements, electronic health records, and patient portal information. This approach reflects our strategy at John Hancock to continue to bring transformative underwriting solutions to the market that make it easier and less invasive to secure life insurance coverage for your clients.

Applicants ages 35-70 applying for John Hancock policies up to $65MM* are eligible to take advantage of this expedited process. Along with John Hancock has proven expertise in delivering competitive underwriting decisions, and their industry-leading capacity and retention, these offerings will continue to differentiate John Hancock in the large-case market.

How can you take advantage of this streamlined process?

  • See this flyer for complete eligibility parameters.
  • Package your informal submission to include comprehensive medical records accompanied by a John Hancock HIPAA form and concierge underwriting transmittal form.
  • John Hancock completes the initial underwriting review followed by a tentative offer subject to a formal application, health questionnaire, and applicable non-medical and financial information.


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