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John Hancock Insurance has launched a long term care (“LTC”) rider that is available on many of its life insurance products. The company said that the rider now provides greater design flexibility when insuring against rising costs of long term care.

“The need for long term care represents one of the most significant financial risks an individual can face,” said Mike Doughty, the president of John Hancock Insurance. “An unexpected long term care event can quickly deplete savings and impact financial security in retirement.  Adding the enhanced LTC rider to any of John Hancock’s permanent single life products is one simple solution – providing both death benefit protection and long term care coverage.”

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