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Old 06-13-2013, 08:35 PM   #41
Confused about dryer sheets
Join Date: Mar 2012
Location: Brentwood
Posts: 9
John Hancock did the same in Tennessee last year. I have 5% annual compound inflation increase, lifetime benefits. They offered to reduce the 5% to 3% and leave the premium and other benefits the same. I understand you can reduce the years or wait period yourself at anytime. That doesn't take an offer from JH. Since I am single and with few relatives, I bit the bullet this time. Most likely, there will be a next time, but for now, the 5% inflations makes a big difference. If I have to reduce the number of years later, my daily benefit will have a higher base anyway..

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