Medically Underwritten Plans (MUPS)

We operate as John Hancock in the United States, and Manulife in other parts of the world.

Underwritten by The Manufacturers Life Insurance Company

and First North American Insurance Company, a wholly owned subsidiary of Manulife

Agenda

� Medically Underwritten Plans (MUPS) Overview

� Process

� Eligibility

� Buck Slip

� Summary

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MUPS Overview

� Emergency Medical Plan Only

� Provides coverage for pre-existing conditions

� All conditions must be disclosed during the application process

� There is no required stability period

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MUPS Process

� Client calls 1-855-857-5922 - Active Care Management (ACM)

� Client must disclose all conditions & medications

� Process 20 – 30 minutes

� If approved for coverage – quote is immediate

� Client is covered for all Pre-existing conditions

� No stability period applies

Client will be asked if they were referred by a Travel Agent

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Eligibility Questions for MUPS

All Questions must be answered “NO” to Qualify for this coverage

Are you travelling contrary to medical advice? NO

Are you awaiting investigative testing or treatment of an unresolved condition? NO

Do you require Kidney Dialysis? NO

In the past 12 months, have you used or been prescribed home oxygen for a lung condition? NO

Have you ever had, or are you awaiting a stem cell, organ or bone marrow transplant? NO

Do you have a terminal illness for which a physician has estimated you have less than 6 months to live? NO

Do you have metastatic cancer (cancer that has spread from the original site to another place in your body? NO

If client answers yes to any of the previous questions than unfortunately they are not eligible to purchase a MUPS Policy.

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MUPS - Policy

� MUPS has its own policy found under FORMS in the igoinsured site

� MUPS policy is underwritten by Manulife

� Policy will be issued directly to the client and sent by mail or e-mail

� Age 60 and above can apply

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MUPS – Buck slip

� Make sure you have given your client the Buck Slip with your Agency Code & Branch Code

� Buck slips can be ordered through TISO or found under ‘Forms’ in the igoinsured site

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Commission

� Commission is 25%

� Client can now travel knowing they are covered for pre-existing conditions

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Example : 68 years old travelling for 62 Days

Medical Issue Plan MUPS

Diabetes Qualified for plan B, Medical Exclusion 2

Qualified for underwriting

Plan B – $545.60 MUPS plan - $409.47

Pre-existing condition must be stable for 6 months prior to departure

Client is now covered for all pre-existing conditions

Commission 15% Commission 25%

What’s Best for your client?

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Call Centre Operation

� Monday – Friday 8:30 am – 8:00 pm E.S.T.

� Saturday: 9:00 am – 5:00 pm

� 17 licensed sales representatives including 6 bilingual reps

� Quote is valid up to 45 days prior to travel

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Policy Reconciliation

� MUPS policy information is transferred to Manulife twice monthly

� Commission is reconciled to Maritime the following month (following our receipt of the data)

� If you refer a client:

� Follow up with your client to see if they purchased a policy; make a note of their policy in your client file

� We do not have immediate access to the policy information

� Policy Prefix is MAS…

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MUPS – Frequently Asked Questions

Question:

My client qualified for Plan C but would like to have coverage for his pre-existing conditions. Can he call for a quote for underwriting?

Answer:

YES – please make sure to give your client the buck slip with your agency information

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MUPS – Frequently Asked Questions

Question:

My client received a quote 3 months ago. Is this quote still valid?

Answer:

NO – please have your client call again to obtain a new quote.

Quotes are valid only up to 45 days prior to travel.

Make sure to give your client the buck slip with your agency information as this is a new quote & we want to ensure you receive credit for the sale.

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MUPS – Frequently Asked Questions

Question:

Can my client call directly from my office?

Answer:

Yes – However, it is important that they know all of their conditions & medications. Some clients may not be comfortable disclosing personal information in an agency setting.

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MUPS – Frequently Asked Questions

Question:

If my client calls to start a quote but then needs to check an answer with his doctor, is the initial quote saved?

Answer:

Yes – Client will receive a reference number and can simply call back later with the additional information to proceed with the quote.

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Summary

� Medical Underwriting (MUPS) gives clients the option to potentially cover pre-existing conditions & eliminate any stability conditions

� Computerized Process

� Client’s answers generate a score

� The score plus age & trip length generates a premium

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Medical Underwriting

Ensure your clients are aware of this option to potentially cover pre-existing conditions

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Thank you

Underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company, a wholly owned subsidiary of Manulife. Manulife and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under licence. TM/® Trademarks of The Manufacturers Life Insurance Company. © 2016 The Manufacturers Life Insurance Company. All rights reservedManulife, PO Box 4213 Stn A, Toronto, ON, M5W 5M3June 2016

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Accessible formats and communication supports are available upon request. Visit Manulife.com/accessibility for more information.