Welcome to JH Life Customer Portal. JH Life Customer Portal is not intended to be used by the general public. Portions of the site are only accessible by Registered Users. You are eligible to register if you are currently the owner of a policy(ies) issued by one of the John Hancock companies, referred to herein as "John Hancock" or the "Company". Registrations received that do not meet this requirement will not be accepted.

The following is important information related to the protection and confidentiality of JH Life Customer Portal. If you have any questions about registration or the information below, please feel free to contact us at 1-888-888-8856.

Privacy and Security

At John Hancock, we are committed to providing information to our customers on the Internet in a secure and private manner.

Efforts have been made to provide information in JH Life Customer Portal that is complete, accurate and up-to-date, however, John Hancock does not represent or warrant the completeness, timeliness or accuracy of the content of JH Life Customer Portal including without limitation: information, text, graphics, links or other items contained in JH Life Customer Portal. Furthermore, all information conveyed herein is provided to you "AS IS" and any action that you take based on the information contained in JH Life Customer Portal is your sole responsibility.

Care and Control of Password

You are responsible for the care and control of your password to preserve the confidentiality and security of your information.

Although John Hancock does not require you to change the password periodically, we recommend that for security purposes you change the password every 45 days.

You must maintain your password safely at all times, which includes:

• Keeping your password confidential at all times
• Taking reasonable precautions to ensure that no-one finds out your password while you are typing it at a computer
• Avoiding password combinations that may be easily determined by others, such as birthdays, phone numbers, social security number, etc.
• Contacting us immediately at 1-888-888-8856, if an unauthorized person comes to know your password. Also, change the password immediately, by using the "Change Password" option in “My Profile”.

Your Responsibilities as a User

Your password is reserved strictly for your own use. If someone else uses it, you will be required to prove that you took reasonable steps to protect it in the event of unauthorized use.

You are responsible for the full amount of all authorized activity resulting from the use of username and password for any service by any person, including any entry error or fraudulent transaction.

You are responsible for the full amount of unauthorized activity with respect to any service, which occurs before we receive notification that your password may have become known to an unauthorized person. On receiving such a notice, we will promptly block the ability to access our services.

Please note that you contribute to unauthorized access and use if you do not comply with the provisions of the 'Care and Control of Password' section of this agreement.

E-mail to John Hancock

If you have any technical questions or have difficulty registering onto JH Life Customer Portal, please contact John Hancock at 1-888-888-8856. Alternately, you may wish to send an e-mail message to us. To keep your information confidential, this John Hancock website is protected during the electronic transmission process by 2048 bit encryption, the highest level available. Encryption is a method of encoding information so that unauthorized individuals cannot read it. However, John Hancock cannot assure this security for electronic transmissions sent outside of this website.

Agreement with John Hancock

By registering to use JH Life Customer Portal, you are agreeing that John Hancock and its directors, officers, employees or shareholders of John Hancock shall not be liable for any damages, including direct, incidental, ordinary, punitive, exemplary, indirect, special, or consequential damages arising out of or related to the use of or materials relating to the JH Life Customer Portal Web Site. In addition, you agree that:

1. While you may access information or content on JH Life Customer Portal, you will not alter any proprietary or confidential information that is provided thereon;
2. Any and all information and/or content on JH Life Customer Portal remains the sole and exclusive property of the Company and is considered to be confidential information;
3. You do not and will not acquire any proprietary interest in any material found on JH Life Customer Portal;
4. You will not use JH Life Customer Portal, or any portion thereof, in any manner that may infringe upon any proprietary or intellectual proprietary interests that the Company or any third party may have in JH Life Customer Portal;

You will only access and use the materials solely for obtaining information or transacting business with John Hancock Life Insurance Company(U.S.A.).

You acknowledge and agree that other World Wide Web sites for which connections may be provided in this site by hypertext links are entirely independent of JH Life Customer Portal. The inclusion of hypertext links to any third party in JH Life Customer Portal shall not in any way be construed as an endorsement by John Hancock of such party's Web Site, products or services. John Hancock may, in its sole discretion, and at any time, modify, suspend or terminate the services provided to you through JH Life Customer Portal without notice.