On January 11, 2010, Custom Care II will become Custom Care II Enhanced in New Jersey. The product brings together three sets of innovative enhancements - and everything else is virtually the same - Custom Care II Enhanced provides you with an even stronger John Hancock LTC insurance policy, to meet a broader range of client needs.

Caregiver Support Services

• Provides policyholders and their families with access to provider discounts, care provider quality reports, and expert advice when they are called on to be caregivers or care planners for aging parents, a spouse, partners, children, and relatives.
• Coupled with the Double Coverage for Accidents benefit and Return of Premium before age 65 benefit, Caregiver Support Services gives Custom Care II Enhanced the strongest package of built-in "boomeroriented" benefits on the market today.

Unlimited CPI Compound Inflation

• Provides a more affordable compound inflation option that links annual benefit increases to changes in the Consumer Price Index (CPI); includes an additional Guaranteed Increase Option (GIO) that
  enables clients to also increase coverage by 10% every 3 years with no underwriting
• CPI Compound Inflation gives you greater flexibility to offer Custom Care II Enhanced coverage to a wider array of clients — at multiple price points.

Consumer Protection Provisions

Designed to give clients the reassurance they need at time of purchase and at time of claim it includes provisions such as:

• Alternate Services Benefit for emerging care services
• Independent Third-Party Review to demonstrate our commitment to fair and objective claims paying practices
• Timely Payment of Claims because we understand that efficient processing of claims is an extremely important aspect of our service to policyholders

Accompanying these enhancements will be a minor premium adjustment of about 4% on average, on new business rates.

IMPORTANT: Custom Care II will no longer be available on January 11, 2010

Beginning January 11, 2010, producers doing business in New Jersey will be able to illustrate and sell Custom Care II Enhanced and will no longer be able to sell Custom Care.

Deadlines for accepting Custom Care II applications

Custom Care II applications must be signed no later than January 10, 2010, and received in the home office no later than February 11, 2010.

Applications signed or received after these dates, will continue to go through the underwriting process. However, you will be required to obtain a new Custom Care II Enhanced application from the client prior to policy issuance, and the new Custom Care II Enhanced rates will apply.

Custom Care II Enhanced applications and marketing materials available in mid-December

To prepare you for the launch, we will be providing you with access to application booklets and product brochures on www.jhltc.com in mid-December.

Stay tuned for more information and state-specific details in the coming weeks.