Adding the enhanced LTC rider to any of John Hancock's permanent single life products is one simple solution – providing both death benefit protection and long-term care coverage." The new LTC rider provides consumers with more coverage for retirement planning with an increasing death benefit option, as well as more flexibility to specify the LTC coverage needed, helping balance LTC and estate planning needs. "We are continually enhancing our portfolio to provide the financial protection and retirement solutions American families depend on," Mr. Doughty said. "Our enhanced long-term care rider is just one example of that commitment." About John Hancock Financial and Manulife Financial John Hancock Financial is a division of Manulife Financial, a leading Canada -based financial services group with principal operations in Asia, Canada and the United States.