Take advantage of a new, innovative approach to critical illness coverage – offering your clients a lump-sum, income tax-free payment that’s separate from – and in addition to – their life insurance benefit. Now available on Protection IUL and Accumulation IUL, this living benefit can help protect your clients throughout their working years from the financial burden associated with a critical illness event such as a heart attack, cancer, or stroke.


Rider highlights

  • Pays a benefit – provides a one-time, lump-sum, income tax-free benefit up to $250,000 to the policy owner, upon the insured’s initial diagnosis of a covered critical illness
  • Preserves the death benefit – offers an indemnity payment that’s separate form the death benefit, preserving it for the policy’s beneficiaries
  • Protects your clients’ lifestyle – helps cover the costs associated with recovery, in addition to day-to-day expenses
  • Covered illnesses include heart attack, stroke, cancer, coronary artery bypass grafting, kidney failure, major organ failure, and paralysis


State approvals

The Critical Illness Benefit rider is available in the following states: AL, AK, AR, AZ, DC, DE, HI, IL, IA, IN, KY, LA, ME, MD, MI, MN, MT, ND, NE, NV, NM, OK, OR, RI, SC, SD, TX, VT, WI, WV, WY. Some state variations may apply, please see the policy contract for more details.


Underwriting guidelines

  • The rider is underwritten separately from the base policy, with no additional requirements needed
  • Available for issue ages 18-65
  • Eligible for John Hancock ExpressTrack decisions, and can be combined with the Long-Term Care rider and the John Hancock Vitality Program
  • Critical Illness Benefit rider risk class (Standard, 150% and 175%, Smoker and Non-Smoker) is independent of the life insurance risk class

Securities offered through The Leaders Group, Inc. Member FINRA/SIPC 26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120, 303-797-9080.

GBS Insurance and Financial Services, Inc. is not affiliated with The Leaders Group, Inc. You may check the background of investment professionals on FINRA Broker Check

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