Best Class Criteria LIFE UNDERWRITING

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1 LIFE UNDERWRITING Best Class Criteria The following criteria contain key information that can help you estimate whether your life insurance clients will qualify for one of our best risk classes Super Preferred, Preferred or Standard Plus. Please note the products and ages that the criteria apply to so that you can quickly focus on the information you need. The categories of information include: Permanent Products: Ages 18-70, Super Preferred and Preferred (page 2) Ages 71 and older, Super Preferred and Preferred (page 3) Ages (and Ages 71 and older), Standard Plus (page 4) John Hancock Term: Ages 18-70, Super Preferred and Preferred (page 5) Ages 18-70, Standard Plus (page 6) You may also search for this information easily via our interactive Field Underwriting Guide, located at John Hancock s producer website. FOR AGENT USE ONLY. THIS MATERIAL MAY NOT BE USED WITH THE PUBLIC.

2 Permanent Products, Ages SUPER PREFERRED UNDERWRITING CRITERIA Super Preferred Non-Smoker Meets the Super Preferred criteria and has not used any form of tobacco or nicotine products within the last 5 years with the exception of the following: Limited Cigar Use: An occasional cigar smoker may qualify for Super Preferred Non-Smoker rates if he/she smokes 12 cigars or less per year and Up to 135/85 Age Up to 140/90 Age Up to 230 mg/dl Age Up to 250 mg/dl Age Total Chol up to 300 is OK for Super Preferred if Chol/HDL ratio is 1 less than the published limit Up to 4.5 Age Up to 5.0 Age Total Chol up to 300 is OK for Super Preferred if Chol/HDL ratio is 1 less than the published limit No history of cancer, coronary artery disease, cerebrovascular disease or diabetes. No current impairment. Family History No death of a parent or sibling prior to age 60 from coronary artery disease or cancer. Gender-specific cancers are disregarded for opposite sex applicants. No driving while intoxicated or reckless driving conviction within the last 10 years and no more than one conviction ever. Maximum of 1 moving violation within the last 2 years. No participation within the past 12 months, except North American regularly scheduled commercial pilots and crew. Super Preferred with an aviation exclusion may be available. 3 No participation within the past 12 months. PREFERRED UNDERWRITING CRITERIA Preferred Non-Smoker Meets the Preferred criteria and has not used any form of tobacco or nicotine products within the last 2 years with the exception of the following: Limited Cigar Use: An occasional cigar smoker may qualify for Preferred Non- Smoker rates if he/she smokes 12 cigars or less per year and microurinalysis is free of nicotine. Occasional cigar smokers who have tested positive for nicotine will be considered Standard Non-Smoker at best. Preferred Smoker Meets the Preferred criteria but has used cigarettes, including e-cigarettes, within the last 12 months. Up to 140/85 Age Up to 145/90 Age Up to 250 mg/dl Age Up to 270 mg/dl Age Total Chol up to 300 is OK for Preferred if Chol/HDL ratio is 1 less than the published limit Up to 5.0 Age Up to 5.5 Age Total Chol up to 300 is OK for Preferred if Chol/HDL ratio is 1 less than the published limit No history of cancer,* coronary artery disease, cerebrovascular disease or diabetes.* No current rateable impairment. *Some cases of cancer or diabetes may qualify for Preferred. Family History No more than one death of a parent or sibling prior to age 60 from coronary artery disease or cancer. Gender-specific cancers are disregarded for opposite sex applicants. No driving while intoxicated or reckless driving conviction within the last 5 years and no more than one conviction ever. Maximum of 2 moving violations within the last 2 years. Only available to private pilots with more than 300 hours of experience who fly hours yearly and have IFR, or pilots and crew on regularly scheduled airline flights. Preferred with a flat extra or aviation exclusion may be available. 3 Preferred may be available in some instances. If rateable for avocation, Preferred possible with a flat extra if all Preferred criteria met. SUPER PREFERRED BUILD CHART AGES HEIGHT 5'0" 5'1" 5'2" 5'3" 5'4" 5'5" 5'6" 5'7" 5'8" 5'9" 5'10" 5'11" 6'0" 6'1" 6'2" 6'3" 6'4" 6'5" 6'6" 6'7" WEIGHT PREFERRED BUILD CHART AGES HEIGHT 4'8" 4'9" 4'10" 4'11" 5'0" 5'1" 5'2" 5'3" 5'4" 5'5" 5'6" 5'7" 5'8" 5'9" 5'10" 5'11" 6'0" 6'1" 6'2" 6'3" 6'4" 6'5" 6'6" WEIGHT Refer to the specific product technical guide to determine the availability of Preferred and/or Super Preferred and for the ages where Preferred and Super Preferred rates are available. 3. exclusion not available on Survivorship policies. 2

3 Permanent Products, Ages 71 and older 1 SUPER PREFERRED UNDERWRITING CRITERIA Super Preferred Non-Smoker Meets the Super Preferred criteria and has not used any form of tobacco or nicotine products within the last 5 years with the exception of the following: Limited Cigar Use: An occasional cigar smoker may qualify for Super Preferred Non-Smoker rates if he/she smokes 12 cigars or less per year and Up to 140/90 Pulse pressure should be less than or equal to 65 Over 175 mg/dl but less than 280 mg/dl HDL Must exceed 40 mg/dl Serum Albumin Must be equal to or greater than 4.0 g/dl Creatinine Must be within normal limits Functional Must have the ability to independently perform all the activities of daily living. Cognitive No evidence of cognitive impairment. No history of cancer, cardiovascular disease, cerebrovascular disease or diabetes. No current impairment. No driving while intoxicated or reckless driving conviction within the last 10 years and no more than one conviction ever. No moving violations within the past 2 years. No participation within the past 12 months, unless aviation exclusion applied. 3 No participation within the past 12 months. PREFERRED UNDERWRITING CRITERIA Preferred Non-Smoker Meets the Preferred criteria and has not used any form of tobacco or nicotine products within the last 2 years with the exception of the following: Limited Cigar Use: An occasional cigar smoker may qualify for Preferred Non- Smoker rates if he/she smokes 12 cigars or less per year and microurinalysis is free of nicotine. Occasional cigar smokers who have tested positive for nicotine will be considered Standard Non-Smoker at best. Preferred Smoker Meets the Preferred criteria but has used cigarettes, including e-cigarettes, within the last 12 months. Up to 145/90 Over 159 mg/dl, but less than 300 mg/dl HDL Cholesterol Must exceed 35 mg/dl Serum Albumin Must exceed 3.6 g/dl Functional Must have the ability to independently perform all the activities of daily living. Cognitive No evidence of cognitive impairment. No history of cancer,* coronary artery disease, cerebrovascular disease or diabetes.* No current rateable impairment. *Some cases of cancer or diabetes may qualify for Preferred. No driving while intoxicated or reckless driving conviction within the last 5 years and no more than one conviction ever. Maximum of 1 moving violation within the last 2 years. No participation in the last 12 months, unless aviation exclusion applied. 3 No participation in the last 12 months. SUPER PREFERRED BUILD CHART AGES 71 AND OLDER (DEMONSTRATED STABLE WEIGHT FOR AT LEAST THE PAST 3 YEARS) HEIGHT WEIGHT (Max.) WEIGHT (Min.) PREFERRED BUILD CHART AGES 71 AND OLDER HEIGHT 4'8" 4'9" 4'10" 4'11" 5'0" 5'1" 5'2" 5'3" 5'4" 5'5" 5'6" 5'7" 5'8" 5'9" 5'10" 5'11" 6'0" 6'1" 6'2" 6'3" 6'4" 6'5" 6'6" WEIGHT (Max.) WEIGHT (Min.) S 1. Refer to the specific product technical guide to determine the availability of Preferred and/or Super Preferred and for the ages where Preferred and Super Preferred rates are available. 3. exclusion not available on Survivorship policies. 3

4 Permanent Products, Ages Permanent Products, Ages 71 and older 1 Standard Plus Non-Smoker Underwriting Criteria No tobacco or nicotine products in the past 12 months with the exception of the following: Limited Cigar Use: An occasional cigar smoker may qualify for Standard Plus Non-Smoker rates if he/she smokes 24 cigars or less per year and 145/90 Age /90 Age Up to 5.5 Age Up to 6 Age No current rateable impairment. History of certain cancers are eligible for Standard Plus immediately following excision. Other cancers are eligible for Standard Plus after 5 years of qualifying for Standard rates.* *Example after five years at Standard rates, prostate cancer may be eligible for Standard Plus Some histories of melanoma, breast cancer, leukemia, Hodgkins and non-hodgkins may qualify for Standard Plus after 10 years of qualifying for Standard rates. Driving record must be Standard. Participation in aviation does not exclude from Standard Plus. If warranted, a flat extra or aviation exclusion will be applied. Participation in a hazardous sport does not exclude from Standard Plus. If warranted, a flat extra will be applied. Standard Plus Non-Smoker Underwriting Criteria No tobacco or nicotine products in the past 12 months with the exception of the following: Limited Cigar Use: An occasional cigar smoker may qualify for Standard Plus Non-Smoker rates if he/she smokes 24 cigars or less per year and 150/90 HDL must exceed 35 mg/dl No current rateable impairment. History of certain cancers are eligible for Standard Plus immediately following excision. Other cancers are eligible for Standard Plus after 5 years of qualifying for Standard rates.* *Example after five years at Standard rates, prostate cancer may be eligible for Standard Plus Some histories of melanoma, breast cancer, leukemia, Hodgkins and non-hodgkins may qualify for Standard Plus after 10 years of qualifying for Standard rates. Must have the ability to independently perform all activities of daily living. No evidence of cognitive impairment. Driving record must be Standard. Participation in aviation does not exclude from Standard Plus. If warranted, a flat extra or aviation exclusion will be applied. Over age 80 is uninsurable. Participation in a hazardous sport does not exclude from Standard Plus. If warranted, a flat extra will be applied. STANDARD PLUS BUILD CHART AGES HEIGHT 4'8" 4'9" 4'10" 4'11 5'0 5'1 5'2 5'3 5'4 5'5 5'6 5'7 5'8 5'9 5'10 5'11" 6'0" 6'1" 6'2" 6'3" 6'4" 6'5" 6'6" 6'7" 6'8" 6'9" 6'10" 6'11" WEIGHT Refer to the specific product technical guide to determine the availability of Standard Plus and for the ages where Standard Plus rates are available. 4

5 John Hancock Term, Ages While many of the traditional best risk class criteria used for our Permanent products are applicable to John Hancock Term (ages 18-70), our underwriters take a Total View approach to the proposed insured s risk factors, resulting in a more nuanced assessment of an individual s total risk profile. You can quickly and easily check whether your client may qualify for one of John Hancock Term s best risk classes by using our UCheck tool (see side-bar). Before using UCheck, refer to the following information to determine if your client meets the basic criteria for each of the indicated risk classes. USE UCHECK ON YOUR NEXT TERM CASE! Access UCheck at either of the following locations: JH Illustrator The interactive Field Underwriting Guide at John Hancock s producer website Enter a few details as prompted about the proposed insured (e.g., height/weight, lipid values, blood pressure etc.), and within minutes you ll have the potential underwriting outcome for that individual. Basic Super Preferred Underwriting Criteria No tobacco or nicotine products within the past 5 years with the exception of limited cigar use up to 12 cigars per year and microurinalysis is free of nicotine. Occasional cigar smokers who have tested positive for nicotine will be considered Standard Non-Smoker at best. No history of cancer, coronary artery disease, cerebrovascular disease or diabetes. No current impairment. No driving while intoxicated or reckless driving conviction within the last 10 years and no more than one conviction ever. Maximum of 1 moving violation within the last 2 years. No participation within the past 12 months, except North American regularly scheduled commercial pilots and crew. Super Preferred with an aviation exclusion may be available. 3 No participation within the past 12 months. Basic Preferred Underwriting Criteria No tobacco or nicotine products within the past 2 years with the exception of limited cigar use up to 12 cigars per year and microurinalysis is free of nicotine. Occasional cigar smokers who have tested positive for nicotine will be considered Standard Non-Smoker at best. Smoker rates would apply if proposed insured has used cigarettes, including e-cigarettes within the last 12 months. No history of cancer,* coronary artery disease, cerebrovascular disease or diabetes.* No current rateable impairment. *Some cases of cancer or diabetes may qualify for Preferred. No driving while intoxicated or reckless driving conviction within the last 5 years and no more than one conviction ever. Maximum of 2 moving violations within the last 2 years. Only available to private pilots with more than 300 hours of experience who fly hours yearly and have IFR, or pilots and crew on regularly scheduled airline flights. Preferred with a flat extra or aviation exclusion may be available. Preferred may be available in some instances. If rateable for avocation, Preferred possible with a flat extra if all Preferred criteria met. 1. For Term ages 71 and older, please contact your John Hancock underwriter for best class criteria. 3. exclusion not available on Survivorship Term policies. 5

6 John Hancock Term, Ages Basic Standard Plus Underwriting Criteria Tobacco Use 2 No tobacco or nicotine products within the past 12 months with the exception of limited cigar use up to 24 cigars per year and microurinalysis is free of nicotine. Occasional cigar smokers who have tested positive for nicotine will be considered Standard Non-Smoker at best. No current rateable impairment. Histories of certain cancers are eligible for Standard Plus immediately following excision. Other cancers are eligible for Standard Plus after 5 years of qualifying for Standard rates.* *Example after five years at Standard rates, prostate cancer may be eligible for Standard Plus Some histories of melanoma, breast cancer, leukemia, Hodgkin s and non-hodgkin s may qualify for Standard Plus after 10 years of qualifying for Standard rates. No history of alcohol/drug abuse or treatment within the past 5 years. No more than one driving while intoxicated conviction or reckless driving conviction within the last 5 years. Driving record must be Standard. Participation in aviation does not exclude from Standard Plus. If warranted, a flat extra or aviation exclusion will be applied. Participation in a hazardous sport does not exclude from Standard Plus. If warranted, a flat extra will be applied. REMINDER: Pages 5 and 6 show the basic best class underwriting criteria for John Hancock Term, ages To see if your client will qualify for one of these risk classes, please take advantage of our UCheck tool (located on JH Illustrator and the Field Underwriting Guide at John Hancock s producer website). For quick access to our best class criteria and other details to help you with field underwriting, please visit our interactive Field Underwriting Guide at John Hancock s producer website. 1. For Term ages 71 and older, please contact your John Hancock underwriter for best class criteria. For Agent Use Only. This material may not be used with the public. Insurance policies and/or associated riders and features may not be available in all states. Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY LIFE /15 MLINY

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