Guide to Life Licensing. For Agent Use Only. This material may not be used with the public.
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1 Guide to Life Licensing 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 MLINY Version 2.3 LL-M June 2011
2 Contents: Welcome Pg 3 Contact Information Life Products Pg 4 Other Important Contact Information Pg 5 How to Obtain an Individual Appointment Pg 6 Long-Term Care Licensing Requirements Pg 7-12 Dual License States Pg 13 How to Obtain a Corporate Appointment Pg 14 Corporate Licensing Requirements Pg 15 State Restriction Guide Pg of 21
3 Welcome Thank you for using the John Hancock Life Insurance Licensing Guide. Our guide contains all of the pertinent information required to appoint your producers with our Company. John Hancock life products are sold under two separate statutory companies. Producers must be appointed with John Hancock Life Insurance Company (U.S.A) and/or John Hancock Life Insurance Company of New York in order to sell these life products. Before a producer starts soliciting business, please refer to our State Restriction Guide, on pages 17-21, to learn more about the specific state guidelines for obtaining an appointment. 3of 21
4 Contact Information Life Products For Life Licensing submit appointment paperwork to: Mail: Joanne Bresnahan John Hancock 197 Clarendon Street, C Boston, MA Phone: (617) Fax: (617) Questions and General Inquiries (800) , ext Call our dedicated customer service line anytime from 8 a.m. to 6 p.m. EST for: Appointment Status Receipt of Appointment Request Appointment Terminations Appointment status is available online via the Licensing page on 4of 21
5 Other Important Contact Information For Long Term Care Licensing: Toll free: (877) Fax: (503) Mail: MasterCare Solutions SW Greenburg Road Suite 375 Portland, OR For Annuities Licensing: Toll free: (800) , Option 3, then Option 2 Fax: (617) Mail: Overnight Mail: John Hancock USA Licensing John Hancock USA Licensing P.O. Box Corporate Drive Portsmouth, NH Portsmouth, NH of 21
6 How to Obtain an Individual Appointment Step 1 Complete the Appointment Data Sheet. Please use form AG2029US Step 2 Submit a current copy of your license for each state in which you are requesting an appointment. Step 3 If requesting a variable appointment, please also include a copy of your FINRA registration. Step 4 If submitting Long Term Care Rider business, please provide additional LTC requirements. 6of 21
7 Long-Term Care Licensing Requirements Most states require a Health License and Appointment to solicit LTC products (including Life Products with LTC Riders). There are a number of licensing requirements that must be met depending on the state. There are three types of states that require additional licensing requirements. 1. NAIC Partnership Training Requirements: To view training requirements for these states CLICK HERE to view LTC-3251 Also, visit to find a list of approved courses. John Hancock only accepts DRA Partnership training courses approved by ClearCert. 2. Traditional Partnership States: California, Connecticut, Indiana, and New York are traditional partnership states. There is no reciprocity between these and the NAIC Partnership states. 3. LTC Specific Requirements: States requiring special continuing education, a special license, or certification for selected reading material provided by John Hancock. 7of 21
8 Long-Term Care Licensing Requirements Traditional Partnership States California: Traditional Partnership State Additional LTC Requirement: 8-hours, California LTC 2004LTC prefix course required prior to soliciting LTC. Special Partnership LTC: An additional approved 8-hour Partnership LTC course prior to soliciting Partnership business. Non-Resident Requirements: Non-resident licensees are not exempt from these requirements. Continuing Education Requirement: 8 hours required per year for the first 4 years of being licensed, then 8 hours biennially thereafter for both LTC and Partnership CE. Corporate/Firm/Agency Requirement: An agent of the firm (the producer soliciting can fill this requirement) must complete the LTC 8 hour program for the firm s license to be eligible for LTC. Connecticut: Traditional Partnership State Special Partnership LTC: Producer is required to complete a one time 7 hour program and receive a CT Partnership Certification prior to soliciting Partnership business. Non-Resident Requirements: Non-resident licensees are not exempt from these requirements. Continuing Education Requirement: Producer must keep their CT Life & Health license current, including all normal continuing education requirements (the LTC Partnership course can be used towards this). Corporate/Firm/Agency Requirement: An agent of the firm (the producer soliciting can fill this requirement) must complete the Partnership LTC 7 hour program for the firm s license to be eligible for LTC. 8of 21
9 Long-Term Care Licensing Requirements Indiana: Traditional Partnership State Additional LTC Requirement: 8 hour approved course required; Producer receives a certificate from education provider. Special Partnership LTC: Both the 8 hour course and a separate 7 hour approved course required in addition. Producer receives certificate from education provider. The following courses meet the 7 hour LTC Partnership CE requirement: -Indiana Long Term Care Program; Indiana Partnership Program; Indiana Long Term Care Partnership Program; Long Term Care Part II Non-Resident Requirements: Non-resident licensees are exempt from the LTC Study Course. However, to sell IN Partnership policies, they must complete the 7 hour IN Long Term Care Insurance Program course prior to soliciting Partnership business. -If your resident state is Michigan (where LTC and LTC-P are currently covered by a health license) then you would be exempt providing that your MI Life & Health license are in good standing. Continuing Education Requirement: LTC: Producer must complete 5 hours per 2 year period (i.e. 5 course due for a 2 year license, and 10 hours due for a 4 year license), due 60 days prior to license renewal. 7 hour Partnership counts towards renewal. Partnership LTC: Upon completion of the 7 hour course, and producer must them meet only traditional LTC insurance CE requirements (5 hours every 2 years) in order to continue selling ILTCIP policies. -If moving to Indiana and acquiring a resident license there, inquire as to their waiver policy in regards to education; in some instances, you may qualify not to need to complete the IN LTC course. Corporate/Firm/Agency Requirement: An agent of the firm (the producer soliciting can also fill this requirement) must complete the LTC 8 hour program for the firm s license to be eligible for LTC. 9of 21
10 Long-Term Care Licensing Requirements New York: Traditional Partnership State Special Partnership LTC: Producer is required to complete a one time 8-hour LTC program and receive a New York Partnership Certification prior to soliciting Partnership business. Non-Resident Requirement: Non-resident licensees are not exempt from these requirements. Continuing Education Requirement: Producer must keep their NY Life & Health license current and in good standing, including all normal continuing education requirements. These CE credits can be used to meet the mandatory Department of Insurance requirements for agent recertification. Corporate/Firm/Agency Requirement: An agent of the firm (the producer soliciting can also fill this requirement) must complete the Partnership LTC 8 hour program for the firm s license to be eligible for LTC. 10 of 21
11 Long-Term Care Licensing Requirements States with LTC Specific Requirements Massachusetts: Additional LTC Requirement: All producers are required to complete company developed training and acknowledgement form available on Training is one time only, provided that the producer remains actively appointed with John Hancock. If there is any period of inactivity, due to non-renewed licenses or appointments, the producer must meet the requirement again. Michigan: Additional LTC Requirement: Training on subjects relating to LTC insurance and long-term care. This training can be administered by carriers, or an 8-hour NAIC Partnership Training Course. John Hancock s Michigan LTC training document (LTC-3811) is available to download from 11 of 21
12 Long-Term Care Licensing Requirements North Carolina: Additional LTC Requirement: Special License required. Producer must hold a Life & Health License, complete 10 hours of pre-licensing LTC/Medicaid education and pass a state examination. Non-Resident Requirements: A non-resident is exempt from the pre-licensing education and exam, but must apply for the LTC license. To do so they must be qualified for LTC in their resident state and hold a North Carolina Life & Health License. Continuing Education Requirement: Producer must keep their Life & Health license in good standing and its continuing education requirements current, no LTC CE applies. Corporate/Firm/Agency Requirement: An agent of the firm (the producer soliciting can also fill this requirement) must hold the LTC license in addition to the firm being licensed in the state. 12 of 21
13 Dual License States If the annuitant or insured reside in any of the states listed below, the producer must be licensed and/or appointed in the applicable state in addition to the state of solicitation. Alaska Colorado Idaho Maine New Mexico Puerto Rico 13 of 21
14 How to Obtain a Corporate Appointment Step 1 Complete the Appointment Data Sheet. Please use form AG2029US Step 2 Submit a current copy of your license for each state in which you are requesting an appointment. Please refer to page 15 for additional information regarding corporate licensing requirements. 14 of 21
15 Corporate Licensing Requirements: Corporation must be licensed and/or appointed to receive commissions in the following states for non variable business: CA, GA, GU, KY, LA, MA, MT, NC, NM, NY, PA, PR, UT, VA, WA and WV Corporation must be licensed and/or appointed to receive variable commissions in all states except: FL, IA, RI, TN, VT and WI States that issue Corporate licenses for verification only: AL, AK, DE, GA, MO, MN, MS, NC, NE, NM, SC and WV Corporate Appointment automatically qualifies all individuals listed on corporate license in: AR, CA, HI, ID, KS, KY, LA, MA, MT, NY, UT, WA and WY The appointment automatically includes all affiliated producers. The corporation maintains listing directly with the department of insurance. Corporate Appointment requires submission of a Corporate Officer, Qualifying or Responsible Individual: AR, CT, MA, MI, NH, OH, PA, SD In all other states when appointing a Corporation we need a producer s appointment to process the Corporation s. 15 of 21
16 State Restriction Guide States State does not process appointments. A valid license is required to represent insurer. be requested within 15, 30 or 45 days of submission of the first piece of business. be requested within 15, 30 or 45 days of the date the be requested before the date the application was be confirmed by the state before the date the Alabama Alaska Arizona Arkansas California (14) Colorado Connecticut Delaware Dist.of Columbia (30) Florida (45) Georgia Bold States: Commissions are not paid until appointment has been approved by the state. Status on Licensing must be Active. 16 of 21
17 State Restriction Guide, cont d States State does not process appointments. A valid license is required to represent insurer. be requested within 15, 30 or 45 days of submission of the first piece of business. be requested within 15, 30 or 45 days of the date the be requested before the date the be confirmed by the state before the date the Guam Hawaii * Idaho Illinois Indiana Iowa (30) Kansas ~ Kentucky Louisiana (14) Maine Maryland ~ Appointment effective date should match the date paperwork was received. 17 of 21
18 State Restriction Guide, cont d States State does not process appointments. A valid license is required to represent insurer. be requested within 15, 30 or 45 days of submission of the first piece of business. be requested within 15, 30 or 45 days of the date the be requested before the date the application was be confirmed by the state before the date the Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico 18 of 21
19 State Restriction Guide, cont d States NON- State does not process appointments. A valid license is required to represent insurer. be requested within 15, 30 or 45 days of submission of the first piece of business. be requested within 15, 30 or 45 days of the date the be requested before the date the application was be confirmed by the state before the date the New York (10) North Carolina North Dakota (30) Ohio (30) Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota 19 of 21
20 State Restriction Guide, cont d States State does not process appointments. A valid license is required to represent insurer. be requested within 15, 30 or 45 days of submission of the first piece of business. be requested within 15, 30 or 45 days of the date the be requested before the date the be confirmed by the state before the date the Tennessee Texas (30) Utah Vermont Virgin Islands Virginia (30) Washington * West Virginia Wisconsin Wyoming * If a producer has an affiliation notice with a Firm, and that Firm has an active appointment with a John Hancock Company no appointment is required for the individual. 20 of 21
21 The Long-Term Care (LTC) rider is an accelerated death benefit rider and may not be available in some states. Maximum face amount is $5 million with the LTC rider. The LTC rider is not considered long-term care insurance in some states. When the death benefit is accelerated for long-term care expenses, the death benefit is reduced dollar for dollar, and the cash value is reduced proportionally. The policy account value is also reduced proportionally. There are additional costs associated with this rider. For prospective policyholders in New York, this product is a life insurance policy that accelerates the death benefit for qualified long-term care services and is not a health insurance policy providing long-term care insurance subject to the minimum requirements of New York Law, does not qualify for the New York State Long-term Care partnership program and is not a Medicare supplement policy. This rider has exclusions and limitations, reductions of benefits, and terms under which the riders may be continued in force or discontinued. Consult the state specific Outline of Coverage for additional details. 21 of 21
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