1. John Hancock Long Term Care Insurance Program for (Employer Name) Presented by: (Agent Name, Designation) (Agent License # required for CA, FL and MT) (Date) Long term care insurance is individually underwritten by John Hancock Life Insurance Company, Boston, MA 02117. For use with employers only. Not for use with consumers. LTC-2613 ER 12/04 Policy Series: LTC-03 In Idaho: Policy Form LTC-03ID In Pennsylvania: LTC-03FRPA In New York: SG-03NY In North Carolina: LTC-03NC In Oklahoma: LTC-03OK 10/03

2. John Hancock’s Corporate Solutions Specifically designed for the business market Specifically designed for the business market An easy way to provide long term care insurance to valued employees An easy way to provide long term care insurance to valued employees Employer pay or voluntary options available Employer pay or voluntary options available Flexibility to meet your business objectives Flexibility to meet your business objectives

3. Why John Hancock Long Term Care Insurance Program? John Hancock Life Insurance Company-Financial Strength and Stability John Hancock Life Insurance Company-Financial Strength and Stability  Rate “A++” (Superior) by A.M. Best (as of April, 2004) Experience you can rely on Experience you can rely on  More than 140 years of service  More than 700,000* long term care insurance policyholders * Based on year-end 2003 LIMRA sales data, including individual, group and the Federal Long Term Care Insurance Program

4. What is long term care? Long Term Care …is care needed when someone is losing their independence due to a physical or cognitive impairment. …it could be needed as a result of a serious health condition, an accident, or later, as the aging process takes its toll.

5. What Does LTC Insurance Cover Nursing Home Nursing Home Alzheimer’s Facility Alzheimer’s Facility Assisted Living Facility Assisted Living Facility Home Health Care Home Health Care Adult Day Care Adult Day Care Respite Care Respite Care Other community-based Supportive Services Other community-based Supportive Services

6. John Hancock’s LTC Insurance Program fills a “gap” in coverages. Health insurance covers skilled, medically necessary care. Health insurance covers skilled, medically necessary care.  LTCI picks up where health insurance ends. Disability insurance replaces a portion of an employees salary. Disability insurance replaces a portion of an employees salary.

7. Why consider installing an LTCI Program? Of those needing LTC Services: Of those needing LTC Services:  60% are 65 or older  40% of people who need LTC are working age adults between 18- 64* Average Cost of Care: Average Cost of Care:  Private room nursing home care cost on average $66,000 annually in 2003**  24 hour home care can cost as much or more as nursing home care** * U.S. General Accounting Office, “Where Does the Population Live and Who Cares for Them?” January 2001. ** Congressional Budget Office Financing long term care for the elderly, April 2004

8. Cost of Long Term Care Issues U.S. businesses lose as much as $29 billion annually in lost productivity due to employees having care-giving responsibilities* U.S. businesses lose as much as $29 billion annually in lost productivity due to employees having care-giving responsibilities* The Cost of replacing a managerial employee can reach 250% of annual salary.** The Cost of replacing a managerial employee can reach 250% of annual salary.** Cost of replacing a non-managerial employee can reach 150% of annual salary** Cost of replacing a non-managerial employee can reach 150% of annual salary**  *National Caregiving Alliance before the U.S. Senate Finance Committee, 3/27/01.  ** Work and Family, 12/00, citing management consultant William Bliss.

9. What does John Hancock’s LTC Insurance Program mean to your employees? Provides a plan that helps employees protect for unexpected long term care services. Provides a plan that helps employees protect for unexpected long term care services. Extends coverage to eligible family members Extends coverage to eligible family members Allows employees to pick the amount of coverage that meets their needs for protection and affordability Allows employees to pick the amount of coverage that meets their needs for protection and affordability

10. Value to your employees Allows approximately 52% of LTC recipients to stay at home* Allows approximately 52% of LTC recipients to stay at home* 68% of informal care givers reported a decrease in stress when the care recipient had long term care insurance** 68% of informal care givers reported a decrease in stress when the care recipient had long term care insurance** 98% of enrollees said they felt more secure about their future*** 98% of enrollees said they felt more secure about their future*** * Health Ins. Assoc. of America, Benefits of LTC Insurance: enhanced care for disabled elders, improved quality of life for care givers and savings to Medicare and Medicaid, p7, 9/02 **Dept. of Health and Human Services. “Informal Caregivers of Elders with Long Term Care Insurance.” Final Report to the Assistant Secretary for Planning and Evaluation, Aging and Disability Policy, Department of Health and Human Services (Washington, D.C. Department of Health and Human Services, October 2000). ***Health Insurance Association of America, ‘Who Buys Long Term Care Insurance in the Workplace? A Study of Employer Long Term Care Insurance Plans, 2000-2001” (Washington, D.C., Health Insurance Association of America, 2001).

11. Program Benefits: Value to your employees Offers a program that provides: Offers a program that provides:  Discounted premiums  Streamlined enrollment  Coverage portability  John Hancock Long Term Care Insurance protection

12. Who can participate? Actively at work employees Actively at work employees Retirees** Retirees** Their spouse or partner** Their spouse or partner** Their adult children** Their adult children** Their parents and grandparents** Their parents and grandparents** Their spouse or partner’s parents and grandparents** Their spouse or partner’s parents and grandparents** *Under our sponsored group discount program or also called Marketing Distribution Discount Program in NY and TX.

13. Actively at Work Employees* Employees between the ages of 18-64 Employees between the ages of 18-64 Actively at work 30 hours per week Actively at work 30 hours per week Employees must have not been absent from work due to sickness or injury for 10 days or more in the last 6 months. Employees must have not been absent from work due to sickness or injury for 10 days or more in the last 6 months. Employees must be U.S. residents or citizens Employees must be U.S. residents or citizens Employees must have been employed (full-time) for at least six months Employees must have been employed (full-time) for at least six months

14. Two Simplified Approaches MGTI or Modified Guaranteed To Issue  Best for voluntary (employee pay)  Access to preferred rates  Simplified application, with slightly expanded underwriting  Offers minimum guaranteed coverage for declines if group meets minimum participation requirements (15 employees or 3%, which ever is greater)

15. Two Simplified Approaches MGSI or Modified Guarantee Standard Issue  Best for employer pay enrollment  Limited health questions; no further underwriting  No preferred or substandard rates (just one rate class for all)  Minimum participation requirements (15 employees or 3%, which ever is greater)

16. Premium Payment Methods For Employees and their Spouse or Partner For Employees and their Spouse or Partner  List Bill  Direct Bill (Annual, Semi-Annual or Quarterly)  Monthly Bank Draft For all other eligible persons For all other eligible persons  Direct Bill (Annual, Semi-Annual or Quarterly)  Monthly Bank Draft

17. CCII not available in all states Custom Care II Product Innovations* Appeals to employees Appeals to employees  Double Coverage for Accident Benefit  Return of Premium at Death  Convertible Guaranteed Purchase Option at age 65  Additional Stay at Home Benefit *Not all riders or benefits are available in every state or to all ages.

18. Tax Advantages of LTCI Tax deductible employer contributions Tax deductible employer contributions Flexibility for employer to determine eligible class Flexibility for employer to determine eligible class Policyholder benefits non-taxable Policyholder benefits non-taxable Voluntary employee contributions receive preferential tax treatment Voluntary employee contributions receive preferential tax treatment Clients should consult with their financial advisor or tax consultant regarding tax issues.

19. Keys to Successful Program Employer Endorsement Employer Endorsement Simplicity in Plan Design Simplicity in Plan Design  Employer may choose plans to be offered to employees Education-based Enrollment Process Education-based Enrollment Process Continuing support for new hires and terminating employees Continuing support for new hires and terminating employees

20. John Hancock’s Long-Term Care Corporate Solutions Flexible Plan Design Flexible Plan Design Modified Underwriting &Simplified Application Process Modified Underwriting &Simplified Application Process Favorable Tax Advantages Favorable Tax Advantages Discounted Rates Discounted Rates Minimal Participation Requirements (3% or 15 eligible employee applications, which ever is greater) Minimal Participation Requirements (3% or 15 eligible employee applications, which ever is greater)

21. Long Term Care Insurance Program for (Employer Name) Underwritten by John Hancock  Financial Strength, Stability  Commitment to Long Term Care insurance  Quality LTC products

22. John Hancock Long Term Care Insurance Program for (Employer Name) Presented by: (Agent Name, Designation) (Agent License # required for CA, FL and MT) (Date) Long term care insurance is individually underwritten by John Hancock Life Insurance Company, Boston, MA 02117. For use with employers only. Not for use with consumers. LTC-2613 ER 12/04 Policy Series: LTC-03 In Idaho: Policy Form LTC-03ID In Pennsylvania: LTC-03FRPA In New York: SG-03NY In North Carolina: LTC-03NC In Oklahoma: LTC-03OK 10/03 This is a general description of coverage and is not an insurance contract. Refer to an Outline of Coverage for an explanation of features and options. Only the individual long term care insurance Policy contains governing contractual provisions.