Recently, a long-time long-term customer passed away. Many years ago, he in addition to his love had purchased a duo of (linked) John Hancock Long Term Care insurance (LTCi) plans. In fact, it was in addition to then long agone that I'd forgotten a cardinal feature.
Recently, Jack passed away, in addition to nosotros helped Jill warning the Hancock folks. Over the weekend, she received two premium refund checks, 1 for Jack's policy (of course) but too 1 for hers.
This was a problem: nosotros sure as shooting didn't desire to lose her coverage, in addition to nosotros couldn't empathise why they would bring cancelled it in addition to non only Jack's.
As nosotros waited on concur yesterday for the Hancock rep to aid us out, I casually mentioned to their boy (who is also a client) that I had a vague recollection of a long-ago characteristic available on those plans that basically said that if 1 husband dies, the survivor's excogitation is automatically paid upwards for life. but I couldn't shout out upwards whatsoever details or fifty-fifty if it was, inwards fact, a Hancock characteristic or pick (although at to the lowest degree 1 compsny yet offers this equally an optional benefit).
After a few moments, Melissa came dorsum on the work to allow us know that this was, inwards fact, the case, in addition to that Jill's policy is immediately completely paid upwards in addition to in-force. She volition never bring only about other premium (or, 1 presumes, premium increase).
Bravo!
Recently, Jack passed away, in addition to nosotros helped Jill warning the Hancock folks. Over the weekend, she received two premium refund checks, 1 for Jack's policy (of course) but too 1 for hers.
This was a problem: nosotros sure as shooting didn't desire to lose her coverage, in addition to nosotros couldn't empathise why they would bring cancelled it in addition to non only Jack's.
As nosotros waited on concur yesterday for the Hancock rep to aid us out, I casually mentioned to their boy (who is also a client) that I had a vague recollection of a long-ago characteristic available on those plans that basically said that if 1 husband dies, the survivor's excogitation is automatically paid upwards for life. but I couldn't shout out upwards whatsoever details or fifty-fifty if it was, inwards fact, a Hancock characteristic or pick (although at to the lowest degree 1 compsny yet offers this equally an optional benefit).
After a few moments, Melissa came dorsum on the work to allow us know that this was, inwards fact, the case, in addition to that Jill's policy is immediately completely paid upwards in addition to in-force. She volition never bring only about other premium (or, 1 presumes, premium increase).
Bravo!
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