Skip to main content Accessibility help
The blue logo for John Hancock
  • Help center
  1. Help center

For financial professionals

  • Life insurance
  • Investments
  • Retirement
  1. For financial professionals

    • Life insurance
    • Investments
    • Retirement
  • For plan sponsors
  1. For plan sponsors
Sign in or register
  • Home

  • Insure

    Insure

    Protect what matters most.

    Explore insure
    • Term life insurance
    • Employer Solutions
      1. Premier Benefit IUL
    • Hybrid solutions
      1. LifeCare
    • Permanent life insurance
    • Vitality
    • Aspire with Vitality
    Life insurance to help you live a longer, healthier life.
    Talk to an insurance professional
  • Invest

    Invest

    Make your money work harder for you.

    Explore invest
    Personalized advice to help you meet your financial goals.
  • Retire

    Retire

    Something you can look forward to.

    Explore retire
    Enjoy what comes next
  • Insights

  • About us

    About us

    Connecting customers and communities.

    Explore about us
    • Community Investment
    • Diversity, Equity and Inclusion
    • Leadership
    • Newsroom
    • Our Culture
    Let’s build better, together
    View current career opportunities
  • Help center

    Help center

    Resources, FAQs, contact information and more.

    Get started
    • Life insurance
    • Retirement
    • Individual annuities
    • Long-Term Care
    • Investments
    • Group annuities
    • Other resources
    Have questions about a product or service?
    See how to contact us
  • Home
  • Insure
    • Explore insure
    • Term life insurance
    • Employer Solutions
      1. Premier Benefit IUL
    • Hybrid solutions
      1. LifeCare
    • Permanent life insurance
    • Vitality
    • Aspire with Vitality
  • Invest
    • Explore invest
  • Retire
    • Explore retire
  • Insights
  • About us
    • Explore about us
    • Community Investment
    • Diversity, Equity and Inclusion
    • Leadership
    • Newsroom
    • Our Culture
  • Help center
    • Get started
    • Life insurance
    • Retirement
    • Individual annuities
    • Long-Term Care
    • Investments
    • Group annuities
    • Other resources
    • Help center
    1. Help center

    For financial professionals

    • Life insurance
    • Investments
    • Retirement
    1. For financial professionals

      • Life insurance
      • Investments
      • Retirement
    • For plan sponsors
    1. For plan sponsors

Your browser is not supported.

To use our website, we recommend using the latest version of Microsoft Edge, Chrome, or Safari.

Life Lessons Scholarships

Life Lessons Scholarships

Nina Klug - Life Happens Recipient Picture

2024 SCHOLARSHIP RECIPIENT

 

Nina Klug


“Receiving this scholarship has opened my eyes to the critical importance of life insurance. The peace of mind that comes from knowing loved ones are protected is invaluable, and I have become more aware of the financial security it can offer, especially now after experiencing unexpected loss firsthand.”

Nina's story

The moment I was accepted into the University of Georgia marked a victory amidst a cascade of hardships. My mom and I, tears streaming down our faces, shared a moment of pure joy amid the struggles that followed my father's passing six months prior. His absence loomed heavy, a reminder of the milestones he would never witness. Little did I know, just two years later, my mother would join him, leaving my brother and I grappling with the weight of their absence during pivotal moments yet to come.

The descent into my family's struggle began during my sophomore year of high school, as my parents' battle with alcoholism took a devastating toll. With my parents now unemployed, our once-stable and loving home shattered under the weight of financial strain and emotional turmoil. I found myself becoming a caregiver for my younger brother and managing most household tasks. My parents’ medical debt heightened, so I began working jobs year-round to relieve the financial burden on my family.

One morning during my junior year of high school, my brother and I couldn’t wake up my dad. This moment hit my family with emotional and financial shock. The burden of medical debt and inadequate life insurance forced my mother to sell our family home, a painful reminder of happier times, and survival became our sole focus amidst the overwhelming grief. Despite my love for the University of Georgia, my decision to attend was driven by practicality as an in-state student, offering a more cost-effective option in the face of financial uncertainty.

Just two months into the fall of my sophomore year of college, I woke up to a text from my 16-year-old brother saying that he wanted to be the one to tell me that my mom had passed. I immediately drove the two hours home in shock with my reality, angry at myself for not being home, and fear for how I could manage taking care of my brother and me. I am not sure I will ever shake the emotional shock from this moment especially as my parents’ financial legacy continues to loom. Their limited life insurance plans, designed before my brother and I were born, offered little, especially with respect to the mounting cost of medical debt. 

Motivated by my family's struggles, I aspire to become a Substance Abuse Counselor, determined to help others experiencing addiction. I created a club named Students Studying Substance Abuse that unites students to write and share research articles regarding substance abuse. Yet, I am constantly battling the looming thought of financial insecurity from undergrad and graduate school by working throughout the year and seeking scholarships. Looking back, if my parents had adequate life insurance, the burden of funding my education would have been alleviated, allowing me to pursue my career goals while properly grieving their losses. As I continue on my journey, I remain determined to use my battles and the legacy of my parents as a driver of my future.

Other recipients

View all
John Harper - Life Happens Recipient Picture

John Harper

3 min read

  • Learn more
Lily Plotkin - Life Happens Recipient Picture

Lily Plotkin

3 min video

  • Learn more
Rachel Krog - Life Happens Recipient Picture

Rachael Krog

4 min read

  • Learn more
Sierra Lamb - Life Happens Recipient Picture

Sierra Limb

3 min read

  • Learn more

Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.

 

MLINY102424515-2

Individual
  • Annuities
  • College savings
  • Group annuities
  • Life insurance
  • Investments
  • Retirement
  • Rollover
  • Safe-access accounts
  • Travel insurance
Financial Professional
  • Annuities
  • College savings
  • Life insurance
  • Investments
  • Retirement
Plan Sponsor
  • Retirement / TPA
  • Retirement / plan sponsors
  • International group program
About Us
  • Community Investment
  • Diversity, Equity and Inclusion
  • Leadership
  • News
  • Our Culture
Quick Links
  • Careers
  • Help center
  • Lost or unclaimed policy form
  • Contact John Hancock
  • Manulife Global
  • Manulife Investments
  • Manulife Real Estate
  • Manulife Re
  • © 2025 John Hancock
  • Stock Price
  • Privacy & Security
  • Fraud Prevention Center
  • Legal
  • Accessibility
  • Do Not Sell or Share My Personal Information