Long Term Care is Underwritten by John Hancock Life Insurance Company, Boston, MA 02117. For professional use only. Not

1. LTCI Partners Joe Howard, Sales Vice President Dave Plumb, VP Product Development Rob Warchol, LTC Competitive Director Long Term Care is Underwritten by John Hancock Life Insurance Company, Boston, MA 02117. For professional use only. Not for use with consumers. LTC-5516 7/2006

2. State Approval Map AK MT HI WA ME ND VT MN OR NH ID MA NY WI SD WY MI CT RI PA IA NE NJ NV IL IN OH UT DE MD CO WV CA VA KS MO KY NC TN AZ OK NM AR SC GA MS AL LA TX FL Policy benefits may vary by state.

3. Leading Edge vs the Competition5-Year, 90/100 day Elimination Period, $4,500 Monthly Maximum, Compound Inflation, Married Select Percentage to Leading Edge Premiums Premium Sweet Spots: ALL Ages Privileged Choice Generation Protector II Ideal 2 MM- 400 LTC-3 Simplicity Custom Care II Competitive information is accurate to the best of our knowledge as of 6/2006 Policy benefits may vary by state.

4. Myth: “Leading Edge’s lower premiums are merely an attempt to steal market share from other carriers” • We are able to provide Leading Edge at a more affordable premium due to a unique investment strategy • The industry is in need of innovation — with overall sales declining nationally due to: • growing product complexity • increasing premiums • carrier instability • We took the initiative with Leading Edge to help expand the market by attracting new consumers who may have be avoiding LTC Insurance because of product complexity and price issues.

5. Built in Policy FeaturesStaying at Home for as Long as Possible • Total homemaker services¹ • household duties, such as laundry, meal preparation, and paying bills • monitor medications • reduces Total Benefit • subject to the Elimination Period • no “incidental” requirement • Independent home health care • Covers unlicensed providers • Personal Care Services where provider qualification is not required • Immediate family members can be compensated if working through an approved provider 1. Total homemaker services does not include shopping

6. Elimination Period • Elimination Period • 100 dates of service • One time elimination period • 1 = 1 • Optional Zero-Day Elimination Period for Home Health Care • Waives the Elimination Period for home health care, adult day care • Not payable under the International Coverage Benefit • Rider cost is 13%

7. Policy Design Options – Benefit Periods • Benefit Period • 3 Years (1,095 days) (36 months) • 5 Years (1,825 days) (60 months) • 5 Years + an additional $1 Million Pool 1. No new Elimination Period. No “Additional Stay at Home” services Policy benefits may vary by state.

8. Policy Design Options • Total Benefit • 5 Years Plus $1Million Monthly Example $273,750 ($4,500month benefit x 5years (60 months)) + $1,000,000 $1,273,750 (Total Benefit)

9. Policy Design Options • 5 Year Benefit Period • Plus $1 Million pool • Once 5 year pool is exhausted • $1 Million addition pool is added • Then $1 Million pool and current LTCI Benefit Amount will grow according to inflation coverage 1. No new Elimination Period. No “Additional Stay at Home” services

10. Myth: “Leading Edge’s 5-Year Plus $1 Million policy is comparable to a 10-Year plan, and $1 million has limited value that could onlylast a few years” • Compared to our top two competitors’ unlimited plans, premium difference is approximately 30%. Buy more coverage and still save money! • With SharedCare plans, only 2% for adding SharedCare to our 5-Year Plus $1 Million plan. • Today, fewer buyers are selecting unlimited coverage due to the high cost. John Hancock’s unlimited LTC Insurance sales totaled only 9% of 2005 sales. Our 5-Year Plus $1 Million plan is a more affordable alternative.

11. 5 Year Plus $1 Million vs. Unlimited90/100 day Elimination Period, $4,500 Monthly Maximum, Compound Inflation, Married Select Percentage to Leading Edge Premiums vs. 5-Yr Plus $1MM Generation Protector II Privileged Choice Ideal 2 MM- 400 LTC-3 Simplicity Custom Care II Competitive information is accurate to the best of our knowledge as of 6/2006 Policy benefits may vary by state.

12. Automatic Compound Inflation Protection Consumer Price Index (CPI) • Annual Compound increases based on the CPI • CPI is the most widely used measure of inflation • CPI measures the average change in prices paid by consumers for fixed market basket of consumer goods & services • Tied Urban CPI Index • Includes housing & labor costs

13. Automatic Compound Inflation Protection Consumer Price Index (CPI) • Level premium - compound inflation protection • Equal to the Urban CPI % increase • For both LTC Benefit Amount and Benefit Pool • No upper limit to the CPI increase • If CPI is negative, benefits remain level • Steadily increased over the last 50 years

14. Myth: The Consumer Price Index for all Urban Consumers (CPI) used by John Hancock is tracking less than the CPI for Medical Services and will not provide adequate coverage over time" • Leading Edge’s CPI-linked inflation option provides affordable and unlimited compound inflation protection relevant to the future costs of long term care. • LE will allow policyholder benefits to track future inflation — whatever the level — with economical premiums designed to remain level. • In all settings, labor and housing drives the costs of care. Providing inflation that ties to these costs is much more appropriate than a fixed increase. • The CPI (Medical Services) is a different index, not reflective of the cost of long term care, which is more than 95% custodial. Medical Services CPI measures technology costs, lifesaving medical equipment, complex procedures performed by specialists, prescription drugs, and malpractice insurance premiums.

15. Automatic Compound CPI Performance 4.3% $432 5.2% $354 6.8% $250 5Yrs 10Yrs 15Yrs 20Yrs 25Yrs 30Yrs

16. 55 Year Old Preferred Health – Married Both Applying$3,000 Monthly 5-Year Benefit Period, 100 Day Elimination PeriodInflation Based on 30 Year Calculation $432 Premiums: Leading Edge $805 CC II w/Simple $720 CC II w/5% Compound $991 23% more than Leading Edge $366 $250 5Yrs 10Yrs 15Yrs 20Yrs 25Yrs 30Yrs

17. Simple and Complete Policy Features • Additional Stay at Home Services • 1X or 30 times the daily benefit • Care Giver Support Services • Access to reports, ratings and provider discounts • Lifestyle Benefit Changes • Increase once a year / decrease anytime • International Benefit / one year • Bed Hold / 60 days • Respite and Hospice Care • Limited Optional Riders • Shared Care, Zero Day HHC Rider, Nonforfeiture

18. Myth: “CPI doesn’t track the current rate of LTC costs” • Traditional LTC insurance policy inflation rate is 5% fixed, an arbitrary figure that does not necessarily track the cost of LTC. The CPI is variable in nature and intended to more accurately track the cost of LTC. • Bureau of Labor Statistics (LIMRA 2005 Sales report) – Nursing facility care increased by 2.9% in 2006: home health care increased by 1% in 2006 • MetLife Mature Market Institute, Nursing Home & Home Health Care Survey, 9/2006 – 2006 average daily rate for private room in a NH increased 1.5% over 2005 rate – 2006 average daily rate for semi-private room in a NH has increased 3.9% over 2005 rate – 2006 average hourly rate for HHC increased 0% over the 2005 rate – 2006 average daily rate for Assisted Living Facilities increased 2.2% over the 2005 rate, 10/ 06 • Genworth Financial 2006 Cost of Care Survey, March 2006 – 2006 average daily rate for private room in a NH increased 2.2% over 2005 rate – 2006 average daily rate for semi-private room in a NH has increased 2.3% over 2005 rate • The average CPI in 2006 was 3.2% (3.4% in 2005). Over the 30-year period ending in 2006, the average annual increase in the CPI was 4.3% — with the highest single-year change of 13.5% during that period.

19. Myth: Leading Edge’s CPI-linked inflation is comparable to Simple inflation” • Leading Edge’s CPI-linked inflation is compound inflation protection with a variable, unlimited rate of interest and NO CAP. Premiums remain level and benefits will never go down. • 5% Simple is a fixed rate capped at 5%, and by definition is not compound inflation protection. Because of the long-term impact of compounding, even a modest growth rate (i.e. 3-4%) outperforms 5% Simple over time. • Most people prefer compound inflation protection. Of the individual LTC insurance buyers in 2005 who have selected some form of inflation protection, only 19% purchased Simple inflation (LIMRA 2005 Sales Supplemental Report). • If future inflation is 4.3% (the average CPI over the past 30 years), 5% Simple will be inadequate in only 7 years. • If future inflation is 5% or more, 5% Simple will be inadequate after just 1 year! • A 5% Simple plan is roughly equivalent to 3% compound. Based on history, CPI-linked inflation protection has strong potential to outperform both. Which plan would you rather have (or sell) — a fixed 3% Compound inflation plan or an unlimited increase linked to actual future inflation?

20. LTCI Partners Joe Howard, Sales Vice President Dave Plumb, VP Product Development Rob Warchol, LTC Competitive Director Long Term Care is Underwritten by John Hancock Life Insurance Company, Boston, MA 02117. For professional use only. Not for use with consumers. LTC-5516 7/2006