Long term care insurance is underwritten by John Hancock Life Insurance Company, Boston, MA. 02117

1. Long term care insurance is underwritten by John Hancock Life Insurance Company, Boston, MA. 02117 For use with Financial Professionals only. Not for use with the public 5/07

2. John Hancock: A Standard of Excellence • Leadership • John Hancock is a committed leader in the long term care (LTC) insurance market • John Hancock is one of the two largest LTC insurance carriers in the country¹ • We have more than 1 Million LTC insurance policyholders in-force as of May 1, 2007² 1. Based on inforce premium LIMRA year-end 12/31/06 2. Based on John Hancock internal claims data as of May 1, 2007. Total includes individual and group LTC insurance and 50% of the Federal Long Term Care Insurance Program

3. John Hancock: A Standard of Excellence • A History of Paying Claims for our Policyholders • We have more than $7.3 billion in LTC insurance claims reserves3 • With 20 years of LTC insurance experience, we are a company that has kept its promises, paying more than $1.4 billion4 in claims on our LTC insurance policies • Strength & Stability • Ratings as of 12/31/06 John Hancock Life Insurance Co. • S&P AAA • MOODY’S Aa2 • A.M. BEST A++ • FITCH AA+ • Comdex Rating 98 • 3.Based on internal data as of 12/31/06. • 4.Based on internal data as of 12/31/06, including individual, group, Fortis and the Federal Long Term Care Insurance Program

4. Why Corporate Solutions? • Expanding business market access • Sponsored Group • New Corporate Solutions • CareChoice • CorporateChoice • John Hancock has a LTC insurance product for every market

5. Why Corporate Solutions? The Right Program • An easy-to-use on-line illustration system • Lower minimum participation requirements • The availability of simplified underwriting for eligible employer pay Spouses/Partners5 • True split billing for employer pay cases, making it easy on the producer and the employer to reconcile premiums • Preferred discounts available to certain groups6 • 5.Available to Spouses/Partners of employer pay actively-at-work eligible employees age 18–64. Minimums do apply. • 6.Employer-paid Spouses/Partners will receive Select rates. Preferred rates are not available.

6. Why Corporate Solutions? The Right Product7 • Caregiver Support Services that provide “now” benefits to clients and their families, getting younger employees and family members to want to buy earlier • Comprehensive coverage in an easy, streamlined design – perfect for the employer market • Automatic Compound Inflation linked to the Consumer Price Index (CPI) • Lifestyle Benefit Changes that allow for an affordable start • Ability to utilize unlicensed caregiving services 7. Benefits and premiums may vary by state

7. Why Corporate Solutions? The Right Time • Program options that meet the needs of an evolving and still untapped employer market • Easy-to-understand and easy-to-sell benefits • A helpful solution for working Boomers who are confronting LTC needs of their parents and rapidly becoming aware of their own needs • Stable pricing backed by John Hancock’s strength, stability and experience

8. What’s the Market Opportunity?8 Size of Business (Employees) 1-500 501-1,000 1,001-5,000 5,001+ TOTAL Total Number of Businesses in the United States 5,750,200 8,341 6,745 1,814 5,767,100 Total Number of Businesses offering LTC Insurance 5,333 1,050 808 889 8,080 Total Number of Businesses NOT offering LTC Insurance 5,744,867 7,291 925 5,759,020 5,937 There are over 5.7 million businesses in the United States. According to LIMRA, there were only 8,080 employers in the United States offering Group LTC insurance to their employees by the end of 2006. Of those employers offering Group LTC insurance, 66% of them have between 1-500 employees. • 8. Estimates based on data from U.S. Census Bureau, LIMRA and based on HIAA Employer’s Guide to LTCI, 2003, • LIMRA year-end data, 2006;U.S. Small Business Administration, Small Business Profile in the United States, 2006; HIAA • Employer’s Guide to LTCI, 2003, “What’s Hot and What’s Not in Voluntary Benefits.”, Aon Consulting, January 2006.

9. The Corporate Solutions Program

10. Corporate Solutions Overview • Leading Edge • Individual LTC insurance policies • Streamlined sales process, implementation and administration • Retail compensation with NO commission reduction • 10+ lives minimum participation

11. Desired Demographics • Average eligible employee age of 40 or higher • Average eligible employee salary of $40,000 or higher, or 1.5 times the state average • A highly educated population • Good participation in voluntary benefits • Strong employer endorsement

12. Desired Group Size • Small to mid-sized employers • At least 10-3,000 actively-at-work eligible employees • Ages 18-64 • Groups over 3,000 can be submitted for special Home Office review

13. Ineligible Industries and Groups • Asbestos manufacture, installation, and removal • Atomic energy and nuclear power plants • Auto and building wreckers, salvage, junkyards, and scrap dealers • Bars and cocktail lounges, liquor stores • Chemical industries • Explosive manufacture and distribution • Marine salvage and towing • Mining and quarrying • Oil and gas exploration (drilling and removal) • Forestry Please note: We may consider the management employees of the above industry groups

14. Program Overview Employer (ER) Pay Voluntary Pay

15. Program Overview Employer PayVoluntary Pay

16. Program Overview Employer PayVoluntary Pay

17. Program Overview Employer PayVoluntary Pay

18. Program Overview Employer PayVoluntary Pay

19. Program Overview Employer PayVoluntary Pay

20. Program Overview Employer Pay Voluntary Pay

21. Program Overview Employer PayVoluntary Pay

22. Program Overview Employer PayVoluntary Pay • 9. In NY, Partner/Spouse discount is 10% and 20%. There is a 40% maximum discount for those that qualify for Preferred • and Partner/Spouse discount. Family Discount and Valued Client Discount are not available in conjunction • with the Sponsored Group Discount.

23. Program Overview Employer PayVoluntary Pay

24. Legal services (law firms) Courts of law – legislative bodies Engineering and architectural firms Accounting and auditing firms Advertising agencies Offices and clinics of doctors of medicine Offices and clinics of dentistry Chiropractic offices or clinics Medical laboratories Drug/pharmaceutical companies Colleges, universities & professional schools Mortgage bankers Security brokers and dealers Investment offices Insurance professionals Telephone/telegraph communications companies and other message communications companies Management and public relations services Qualifying for Preferred

25. Minimum of 100 eligible employees Minimum participation of 10 eligible employees Average salary of eligible employees $45,000 and above Average age of eligible employees of 40 and above Minimum participation of 10 eligible employees Average salary of eligible employees $45,000 and above Qualifying for Preferred Voluntary PayEmployer Pay

26. Groups that do not qualify for Preferred • Select rates • Eligible simplified underwriting employees • Eligible employer pay Spouses/Partners who qualify for simplified underwriting For groups where employers will be paying for some eligible employees and offering the program to other eligible employees on a voluntary basis, Voluntary pay group demographic requirements apply.

27. Illustrating Corporate Solutions

28. Corporate Solutions E-Hansel Illustration Tool • Log onto ltc.ehansel.com • Enter your user name and password • Select Corporate Solutions as Proposal type • Ability to upload census data • Availability of 5 different output reports • E-hansel only

29. Case/Producer Information

30. Plan Design Create up to three different plan designs

31. Census Click here to go to browser and import your census

32. Upload Census Choose the column names from the pull down menu that match imported data

33. Presentation Selection

34. Illustration PDFs

35. Getting Started

36. Getting Started is EasyQuoting a Case • Easy-to-use on-line illustration tool • Customize and upload employee’s census data • Log onto ltc.ehansel.com • e-hansel user name and password • Select Corporate Solutions under proposal type • Save, edit and delete cases under your own password

37. Quoting a Case – Five Choices • Premium Summary by Plan • Provides premium costs for up to three plan designs, where you can mix and match plan choices • Premium Difference: • Provides premiums for two plan designs, as well as the cost difference between them • Premium Summary by Age • Provides premiums for plan designs and a subtotal breakdown of premiums by age • Premium Detail • Provides premiums for up to three plan designs, and subtotals the cost for each plan • Premium Table • Provides premiums by age for up to three plan designs, without a census

38. Creating a Census • Quoting template (LTC-CS4039) at (www.jhltc.com) under Corporate Solutions “Getting Started” • Employee name or ID (if available) • Date of birth (mm/dd/yyyy) • State of residence • Marital/Partner status (if available) • Rate class • Salary information (Required if requesting Preferred rates to be run by Home Office) • If ER pay for Partners/Spouses include: • Spouse/Partner name (if available) • Spouse/Partner date of birth (mm/dd/yyyy)

39. Quote Assistance • E-mail JHCorporateSolutions@jhancock.com • Corporate Solutions Rate Illustration Request Form (LTC-CS4057) and employer census • Fax the Rate Illustration Request Form to 617-572-5244 • Census files are required to be e-mailed or mailed on disk or CD in an Excel format

40. Steps to ApprovalStep 1 – Review the eligibility requirements • Review the eligibility requirements for the Corporate Solutions Program to confirm the employer meets the eligible guidelines to qualify for the program.

41. Step 2 – Employer Approval Worksheet • Complete the Corporate Solutions Employer Approval Worksheet (LTC-CS4053) • Obtain employer group census (LTC-CS4043) • Employee ID or Name • Occupation/title (if available) • Date of hire (mm/dd/yyyy) • Date of birth (mm/dd/yyyy) • State of residence • Marital/Partner status (if available) • Annual salary • If ER pay for Partners/Spouses include • Spouse/Partner name (if available) • Spouse/Partner date of birth (mm/dd/yyyy)

42. Step 3 – Final paperwork to Corporate Solutions • E-mail final census and Employer Approval Worksheet JHCorporateSolutions@jhancock.com • Fax Employer worksheet ot 617-572-5244 and e-mail or mail census on disc or CD • Census must be in Excel format

43. Step 4 – Group Approval Review • All required information completed & received • Decision rendered within 48 hours • Incomplete paper work will delay the qualification/approval process

44. Step 5 – Communicating Approval • Telephone and/or a written confirmation via e-mail. • Official approval documents e-mailed • Approval letter • Group Approval Memo • group case number, • enrollment dates, • terms, • plan design(s) • program conditions • Application Transmittal Form • Employer Acknowledgement Letter • Review all approval materials • No changes after enrollment begins

45. Marketing Plan • Letters from organization supporting the program (CEO, HR Director) • E-mail blasts on program benefits • Payroll stuffers or e-mails on need • Posters & announcements with information on meetings and enrollments • For information, please see the Marketing Collateral Guide LTC-CS4001

46. Employee Meetings • Introduction by CEO or HR Director • 10-15 minute PowerPoint on need • LTC insurance product features • Cost of waiting • Value of policy to all ages • One on one meetings to follow • Applications ordered by Corporate Solutions Department

47. Application Submission • Application Instruction Checklist • Be sure all apps are signed • Check that the Employer Group or Sponsored Group number has been pre-filled under the section “For Agent Use Only” • Employer Group number for eligible employees who qualify for simplified underwriting • Sponsored Group number should be used for all other eligible applicants • For employer pay cases, check off appropriate tier (class)

48. Billing Options • List Bill • Complete list bill form • No initial deposit required • Complete Advanced Payment Receipt • Initial deposit $0 • Monthly, quarterly, semi-annual or annual • Generated on 1st, 15th or 28th of the month • Mailed next business day • Employer receives two bills

49. Billing Options • Split-Billing • Employer pay with buy-ups • Employer premium due • Employee premium due • Total • List bill number on “choose your payment method” • Required for employer pay • Direct Billing • Requires one month deposit10 • Credit card in all modes on voluntary pay • 10. Required direct bill deposit may vary by state.

50. Application Submission • Leading Edge Corporate Solutions applications & transmittal form • Mail to Corporate Solutions • Non-Corporate Solutions applications • Submit through normal JH LTC insurance process • Status • LTCS Status system • Weekly status report • Number of apps submitted • New Business Information • Open/closed applications • Corporate Solutions Resource Line