From John Hancock

Custom Care II

Provides comprehensive long term care coverage for all stages of life. With a rich range of benefits and features, this policy focuses on the reality of long term care — that it's a personal issue that affects the entire family.

Experience, Innovation, and Integrity — these John Hancock qualities form the building blocks for our long term care insurance policy, Custom Care II. It's a policy that truly meets the unique and evolving needs of individuals and their families — at every state of life.

Custom Care II simplifies the decision-making process by offering built-in benefits that are key to comprehensive care. At the same time, this policy offers the flexibility to choose additional benefits that address your unique needs. And it makes it easy for you to elect the precise combination of long term care insurance benefits that are right for you. Whether you want benefits paid on a monthly or daily basis, Custom Care II covers a greater variety of your needs. With enhanced home care protection, as well as traditional coverage in assisted living facilities or nursing homes, this policy helps you get the support you need to stay at home.

Please contact us for more information on the Custom Care II long term care insurance product from John Hancock.

Essential Care II

A long-term care insurance that provides essential coverage and consumer value, to meet your needs now and well into the future.

Substantial protection that emphasizes two fundamental principles — essential coverage and consumer value — is the foundation of Essential Care II, another one of John Hancock's long-term care insurance policy.

With the experience and innovation of John Hancock behind it, Essential Care II is a policy that truly meets the unique and evolving needs of individuals and their families.

At John Hancock, we know that you want to live life to its fullest, with the freedom to choose the way you live. That's why we designed Essential Care II to give you key coverage in a variety of care settings: at home, in your community, in an assisted living facility, or in a nursing home.

Access to benefits

You are eligible for benefits under the Essential Care II policy when you need substantial (standby or hands-on) assistance with two activities of daily living, which include bathing, continence, dressing, transferring, toileting, and eating — or when you need substantial supervision due to a cognitive impairment. The policy covers skilled, intermediate, and custodial care received at home or in an adult day care center, assisted living facility, or nursing facility.

As with all tax-qualified long-term care insurance policies, a licensed health care practitioner must certify that you need substantial assistance with the activities of daily living for a period expected to last 90 days, or that you need substantial supervision due to a cognitive impairment.

Please contact us for more information on the Essential Care II long term care insurance product from John Hancock.

* The long-term care insurance policy describes coverages under the policy, exclusions and limitations, what you must do to keep your policy in force and what would cause your policy to be discontinued. Please contact The Day Agency for more information, costs, and complete details on coverage.

This is a general description of coverage and is not an insurance contract, Refer to the Outline of Coverage provided by your agent for an explanation of features and options. Only the individual long-term care insurance policy contains governing contractual provisions. You may request a sample policy to review such provisions.

Long-term care insurance is underwritten by John Hancock Life Insurance Company, Boston, Massachusetts 02117.

Representing

American National Insurance Company, Galveston, TX
American National Property and Casualty Company, Springfield, MO

These brief descriptions of coverages available are for illustrative purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy, or, for more information about coverage options and availability, talk to your American National agent. All products, coverages, and options are not available in all states, and eligibility guidelines apply. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites, which are not maintained by American National Insurance Company, it's subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.