Terms of Use


By accessing and using this website , you are accepting and agreeing to be bound by and comply with these Terms. If you do not agree to these Terms, please refrain from accessing or using the Site. The Terms may be changed from time to time, without prior notice. The amended Terms shall automatically become effective immediately after they are posted.

Site content

The information contained on the pages of this Site is subject to modification and update from time to time without notice. We do not guarantee or ensure the accuracy, completeness, currency or authenticity of any Site content or functionality, or transmission of any Site content from the Site to you. Other World Wide Web sites that may be accessed from or provide access to this Site by hypertext links are entirely independent of this Site. The inclusion of any site acknowledgments, identification of any person or entity in the Site, or any hypertext link to or from another site shall not, in any manner, be construed as an endorsement of such person's or entity's World Wide Web site, products, services, or contributions to the Site.

Use of the Site

This Site does not, and it is not intended to, provide any financial, investment, retirement planning, insurance, legal, accounting, or tax advice. The Site should not be used or relied upon by you as a substitute for your independent research or professional advice. Nothing in this Site constitutes an offer to sell or a solicitation of an offer to buy any security or any investment or insurance product or service. All products and services are subject to the terms and conditions of the applicable agreements. Your use of the Site shall be on an "as is" basis entirely at your risk. Neither John Hancock Financial Services, Inc., Manulife Financial Corporation, nor any of their affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of the Site or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the Site, including without limitation any direct, indirect, special, third party, or consequential damages. Past performance is not an indicator of future returns and references to performance on this Site are provided as historical benchmarks only.

A Special Notice

Regarding Online Account Information John Hancock’s online account services permit you to view, change information and make investment sub-account exchanges on your account and receive other information or services related to your contract through electronic transmission via a compatible personal computer and a secure Web browser. Access to John Hancock’s interactive Web services requires an electronic identification that consists of a user name, password, or other security measures that John Hancock may require. By obtaining a user name and password, you agree that the use of this electronic identification is the legal equivalent to your written signed instructions to John Hancock and that your identity as an authorized user of our on-line services is determined solely by your user name and password. You acknowledge that you are responsible for the safekeeping of your user name and password and that John Hancock is unable, and under no obligation, to confirm the identity or authority of any user of our on-line services.

Intellectual Property

Names, phrases, logos, icons, graphics, images or designs used throughout the Site may be trade names, registered or unregistered trademarks or service marks ("Trademarks") of John Hancock Financial Services, Inc., The Manufacturers Life Insurance Company, or their subsidiaries or affiliates. The display of Trademarks on this Site is not an implied license to any third party for use of the Trademarks. Any retransmission or alteration of Trademarks or other form of unauthorized copying may be a violation of the law. All information on this Site is protected under copyright laws. Except for certain "fair use" or as otherwise provided on this Site, no one has permission to copy, redistribute, reproduce or republish any information found on this Site, which includes uploading or downloading without our prior written consent. You may hyperlink to the URL of our home page at www.johnhancock.com subject to our prior approval in writing or by email. If you would like further information concerning Site contents or you wish permission to link to, use, reproduce, or republish any Site contents, please click here.

Governing Laws

This Site is based in Boston, Massachusetts, and the laws of the Commonwealth of Massachusetts and the federal laws of the United States of America shall govern as to the interpretation, validity and effect of these Terms and any use of the Site. The courts of the Commonwealth of Massachusetts shall have exclusive jurisdiction in any action or proceeding instituted under or related to these terms or your use of the Site. The products and services referred to on this Site are available only in jurisdictions where they may be lawfully offered for sale, and not all John Hancock and Manulife products and services are available in all geographic regions/states. The 529 college savings, mutual funds and variable insurance and annuity products referred to in this Site may be offered and sold only to persons in the United States and its territories. These products are underwritten by the following Broker Dealers:

John Hancock Funds LLC; and John Hancock Distributors, LLC who are FINRA members.

John Hancock Funds LLC, 601 Congress Street, Boston, MA 02210

John Hancock Distributors LLC, 197 Clarendon Street, Boston, MA 02117

Group Annuity Contracts are issued by John Hancock Life Insurance Company and John Hancock Life Insurance Company (U.S.A.) (formerly named The Manufacturers Life Insurance Company (U.S.A.)).

The following publicly available information is available upon request: 
National Association of Insurance Commissioners Statutory Annual Statement with Exhibits, General Interrogatories, and Schedule D, Part 1A, Sections 1 and 2 and Schedule S - Part 3E; Rating Agency Reports on the financial strength and claims-paying ability of the insurer; Risk adjusted capital ratio; Actuarial opinion of the insurer's Appointed Actuary certifying the adequacy of the insurer's reserves.

Information Required by the States of California and Massachusetts 
John Hancock Life Insurance Company (U.S.A.) 
State of Domicile: Michigan 
Principal Place of Business: Boston, Massachusetts 02116 
California Certificate Number: 5810

John Hancock Life Insurance Company 
State of Domicile: Massachusetts 
Principal Place of Business: Boston, Massachusetts 02117 
California Certificate Number: 07210

John Hancock Variable Life Insurance Company 
State of Domicile: Massachusetts 
Principal Place of Business: Boston, Massachusetts 02117 
California Certificate Number: 4184

The stock quotes provided are delayed at least 20 minutes and should not be relied upon for investment purposes.

News information provided by Thomson Financial Services is offered for information purposes only and should not be used or construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security. Thomson Financial Services is not affiliated with John Hancock Funds. Securities mentioned reflect independent analysts' opinions and are not recommendations of John Hancock Funds. Neither John Hancock Funds nor Thomson Financial Services guarantees that the information supplied is accurate, complete or timely, or makes any warranties with regard to the results obtained from its use.

Copyright Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

John Hancock endeavors to make www.johnhancock.com/careers accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact staffingus@jhancock.com.

Financial Exploitation (abuse) of older persons or adults with disabilities

Some of the most vulnerable people in our society are older persons (defined as those above the age of 60) and adults with disabilities. At John Hancock, we are committed to helping to protect these individuals. If you suspect that an older person or adult with disabilities is a victim of financial exploitation, please contact the National Center on Elder Abuse, your local Department of Family Services, or your local Law Enforcement Agency.

For more information on types of abuse please visit the following websites:

A Safe Place

National Center on Elder Abuse

It is up to all of us to help protect our most vulnerable.