John Hancock’s ExpressTrack Underwriting is Here! Get up to Speed, On Boarded and Ready to Sell Smarter.

Why get excited about the latest entrant to the accelerated/streamlined underwriting segment? Let me count the ways! It starts with an efficient application process via John Hancock’s eTicket and Paper Ticket infrastructure and ends with both term and permanent products, including John Hancock’s Long-Term Care Rider. That’s right, an LTC Rider via a “no fluids” underwriting process for qualifying clients. Read on for the details!

The launch of ExpressTrack is really a three part story:

Part I – eTicket – Available Now! 
John Hancock’s proprietary electronic “ticket” platform that takes the long form application out of the hands of the producer and replaces it with a tele-interview completed by John Hancock staff. Available for single-life term products only.

Part II – Paper Ticket – Coming Soon!
A Paper-based version of the eTicket platform that accomplishes the same goal with a lower-tech process for producers who may be more less technology forward. Paper Ticket will accommodate all single-life, fully-underwriten term and permanent products.

Part III – ExpressTrack – Available Now!
Eligible cases submitted via either of the Ticket processes above could qualify for ExpressTrack, John Hancock’s new, streamlined, possibly fluidless underwriting process for Standard or better risks.

ExpressTrack Eligibility Parameters:

• Applications initiated via a John Hancock proprietary Ticket or ApplicInt’s Express Complete Multi-Carrier Ticket
• Ages 18-60
• Face amounts up to and including $1 million
• Generally considered Standard or better risk class
• U.S. permanent residents only