UnderwritingOfferingBetterDecisionstoMoreClientsWithElevatedLiverFunctionTests(LFTs)
FEBRUARY 2010
For some time, John Hancock has offered as high as Super Preferred for proposed insureds with
one slightly elevated LFT who meet all our Super Preferred criteria.
Now we’ve introduced enhancements that may result in better underwriting offers – even Preferred!
– for many more of your life insurance clients with one or more elevated LFTs.
The chart below highlights the recent improvements we’ve made and the factors our underwriters
consider for best possible class:
For Agent Use Only. Do not use this material with the public.
Insurance products are issued by John Hancock Life Insurance Company (U.S.A.) (not licensed in New York) Boston,
MA 02116 and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.
MLINY01291012154
Offering Better Decisions to More Clients With
Elevated Liver Function Tests (LFTs)
Liver Function
Test Results
Elevation Level
Best Possible Class
Considerations for
Best Possible Class*
One elevated LFT
Up to 2 times normal
Super Preferred
• Favorable additional
lab testing
• No alcohol criticism
• Favorable MVR
• No adverse medical
history related to
liver disease
2.1 to 4 times normal
New! Standard Plus
(formerly Standard)
Two elevated LFTs
Up to 1.5 times normal
New! Preferred
(formerly Standard)
1.5 to 3.0 times normal
New! Standard Plus
(formerly Standard)
Three elevated LFTs
Up to 1.5 times normal
New! Preferred
(formerly Standard)
1.5 to 3 times normal
New! Standard Plus
(formerly Standard)
* Proposed insureds must also meet John Hancock’s criteria for each of the indicated classes.
Clients with Elevated Liver Enzymes?
Let John Hancock Make a Better Offer.