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Build charts
Eligibility
Database checks An underwriting decision will be determined after the completion of the following database checks: • Medical Information Bureau (MIB) • Motor Vehicle Registration (MVR) • Prescription history check • Identification Please note: John Hancock may conduct a post-issue quality review to verify the accuracy of the information in the application received. This may include, but is not limited to, request for medical records. A policy may be rescinded if the review of post-issue information reveals a material misrepresentation.
Applicants who exceed the parameters of the following build charts are not eligible for Simple Term with Vitality.
Body Mass Index (BMI) 43: For most applicants
Body Mass Index (BMI) 39: For people living with diabetes
Risk class criteria
Height
Weight
Height 5' 10" 5' 11"
Weight
Height
Weight
Height 5' 10" 5' 11"
Weight
4' 8" 4' 9"
4' 8" 4' 9"
192 lbs 199 lbs 206 lbs 213 lbs 220 lbs 228 lbs 235 lbs 243 lbs 251 lbs 258 lbs 266 lbs 275 lbs 283 lbs 291 lbs
174 lbs 180 lbs 187 lbs 193 lbs 200 lbs 206 lbs 213 lbs 220 lbs 227 lbs 234 lbs 242 lbs 249 lbs 256 lbs 264 lbs
300 lbs 308 lbs 317 lbs 326 lbs 335 lbs 344 lbs 353 lbs 363 lbs 372 lbs 382 lbs 391 lbs 401 lbs 411 lbs
272 lbs 280 lbs 288 lbs 296 lbs 304 lbs 312 lbs 320 lbs 329 lbs 337 lbs 346 lbs 355 lbs 364 lbs 391 lbs
Prescription drug exclusions
4' 10" 4' 11"
4' 10" 4' 11"
6' 0" 6' 1" 6' 2" 6' 3" 6' 4" 6' 5" 6' 6" 6' 7" 6' 8" 6' 9"
6' 0" 6' 1" 6' 2" 6' 3" 6' 4" 6' 5" 6' 6" 6' 7" 6' 8" 6' 9"
5' 0" 5' 1" 5' 2" 5' 3" 5' 4" 5' 5" 5' 6" 5' 7" 5' 8" 5' 9"
5' 0" 5' 1" 5' 2" 5' 3" 5' 4" 5' 5" 5' 6" 5' 7" 5' 8" 5' 9"
Build charts & Database checks
FAQs
6' 10"
6' 10"
Contact us
Eligible for individuals with well-controlled Type II diabetes diagnosed after age 30 and without serious risk factors
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