Recent content by JackLenenberg

John Hancock Premium Estimator John Hancock sample long term care premium estimator Long-Term Care Insurance Plans and Information - John Hancock Long-Term Care

Bottom line is I just wanted to point out to you that you were mistaken in your belief that ALL mutual companies were priced twice as high as Genworth and John Hancock. The fact remains that Northwestern is a mutual company that IS outrageously expensive for LTC. Mass Mutual and Guardian are...

With all due respect you are analyzing the cost incorrectly. The price of the compound inflation rider with Guardian is not "insane." It's approximately the same percentage as Genworth or Hancock. In looking at the percentage of premium increase for your hypothetical couple age 70/63 best...

I have already stated that I write Genworth Privileged Choice more than any other policy. So, I like for my clients to have the survivorship feature and the 0 day waiting period. But I also recognize that these are hypothetical riders that may or may not benefit the client. At it's core, the...

Are you kidding? JH is not priced competitively at all. Married couple age 60/55 $$200, 3 years each, compound 5%, 90 days Genworth $2994 A Guardian $3309 A++ Mass Mutual $3315 A++ Mutual of Omaha $3459 A+ Transamerica $3613 A John Hancock $3802 A+ State Farm $3844 A++ Prudential $4179 A+ NY...

I already know what drives up Guardian's price and I responded. It just depends where one wants to take the conversation with a client. The Genworth Privileged Choice policy is the best value in the country. I know this, and write it for most of my clients. But I also want to be fair to...

While, in this scenario what dgoldenz is asserting is technically correct, the comparison is slanted to what the Genworth Privileged Choice policy does very well....which is offer bells and whistles such as shared care, spousal survivorship, and a 0 day home care elimination period very...

Yes, it's very easy to compare rates. I have the rates of every company on my computer, and it is as simple as a click of the mouse. Also, dgoldenz is incorrect that John Hancock has been priced lower than mutual companies for years. 2 mutual companies, Mass Mutual and Guardian--- have better...