John Hancock Life Insurance Company says it has simplified its line of long term care insurance products to make them easier to sell.[@@]

The Boston-based company’s John Hancock Long Term Care subsidiary is offering producers packaged LTC insurance products to shorten the sales process for independent agents, non-LTC specialists and broker-dealers.

The packaging, called SimpleChoices, cuts the job of picking LTC insurance options down to size by grouping them into 3 basic choices, the company says.

Each choice represents a selection of features designed to match a given client’s budget and coverage needs, the company says.

The plans consist of a value package offering basic coverage, a select package offering a higher level of care and a deluxe package for those seeking the most comprehensive benefits.

The packages include inflation options and daily benefits based on the average cost of nursing home care in the client’s state, the company says.

All 3 plans offer home care as well as traditional assisted living or nursing home coverage.

Hancock is a division of Manulife Financial, Toronto.