The GPA plus contract offers long term care benefits for clients who do not qualify for Long Term Care Insurance. John Hancock (A.M. Best A++) Guaranteed Principal Annuity Plus (GPA Plus) with the CareSolutions long-term care rider. This six-year surrender charge annuity pays the client a monthly benefit equal to 1% of their initial premium to cover LTC needs. This benefit does not reduce the accumulated value and is available after 6 years of contract issue. This benefit also compounds annually at 3% from the date of issue. For example, at the end of 6 years and after satisfying the 100-day elimination period a client with an initial single premium of $200k qualifies to receive monthly LTC benefit of $2388 (that's $2,000 compounded at 3% annually for 6 years). Commissions start at 4.0%.