Here you will find a glossary of words and phrases specific to life insurance. Since the explanations are concise and the statements general, they should not be regarded or used as technically complete statements.
Accidental Death Benefit - A benefit that is paid in addition to the basic face amount if an insured dies as a result of an accident. This is also known as, "Double Indemnity."
Actuary - An actuary is a professional mathematician in the insurance industry. An Actuary is responsible for calculating premiums, reserves and dividends for participating policies; developing products and in many insurance institutions overseeing the general financial function.
Annual Policy Statement - This statement is generated and sent out to policyowners at each policy anniversary. This statement contains information on policy performance since the last anniversary and covers charges, interest credited, dividends if any and for Variable Universal Life policies the number of units in each of the sub-accounts.
APS - Also known as an Attending Physician's statement, an APS is a form filled out by a medical doctor who has treated an insured or a proposed insured for an illness or injury. The form provides the insurance company with information relevant to underwriting the risk or settling a claim.
Assignee - The person (including corporation, partnership, or other organization) to whom a right or rights under a policy are transferred by means of an assignment.
Assignment - The legal transfer of ownership rights under a life insurance policy to another person or business.
Assignor - A person who transfers his or her rights under an insurance policy to another person by means of an assignment.
Automatic Premium Loan (APL) - This is a non-forfeiture feature that is available for whole life insurance policies. If for some reason the policyowner does not make the planned premium payment, it will be taken as a loan against the policy and the policy will remain in force.
Beneficiary - This is the person to whom the Death Benefits will be paid.
Cash Surrender Value (Cash Value) - This is the value of a policy that will be paid the policyowner when they surrender the policy to the company thus terminating coverage.
Collateral Assignment - This is an assignment of a policy to a creditor as security for a debt. The creditor does not completely own the policy, it is merely assigned as collateral. The creditor is entitled to be reimbursed out of policy proceeds for the amount owing to him in the event of a death claim or surrender. If it is a death claim, the beneficiary will receive any excess of policy proceeds over the amount due the creditor in the event of the insured's death.
Contestable Period - This is the period when a life insurer may exercise its right to contest the life insurance contract for reasons of misrepresentation or concealment. The exact length of the period is specified in the contract under the incontestable clause.
Convertible Term Insurance - This type of term insurance contract allows the policyowner to convert their policy to a whole life insurance contract.
Death Benefit (Face Amount) - This is the dollar amount that will be paid out to a beneficiary when the insured under the policy dies. This amount does not include various adjustments such as late premiums, outstanding policy loans, different death benefit options, collateral assignment(s), paid-up additions or dividends.
Death Claim - This is the process of the Beneficiary establishing rights to the Death Benefit. A proof of death of the life insured form is filed with the insurer along with an original certified death certificate.
Demutualization - This is the process of converting a corporation from being a mutual company into a stock company. A mutual company is owned by its policyholders in contrast to a stock company that is owned by its shareholders. John Hancock recently completed demutualization in September 1999.
Dividends - (1) Are a refund of excess premiums paid on participating whole life policies. Dividends are paid from the insurance company's divisible surplus. (2) When a business makes a periodic payment to its shareholders.
Dividend Options - These are the different ways that policyholders can elect to use their dividends. This is usually elected at the beginning of the contract however it can usually be changed during the contract.
Dollar Cost Averaging - This is a strategy used by investors to make regular investments of fixed dollar amounts regardless of unit price. The investment will be made when the unit price is low, moderate and high. The investor purchases more units when the price is low and fewer units when the price is high, thus lowering the average cost per unit over time.
Estate Planning - An insurance program designed not only to provide funds for client's dependents upon the death of the insured, but also to conserve, as much as possible, the personal assets that the client wants to bequeath to heirs. Estate planning usually involves accountants, lawyers, and the trust officers of banks, as well as insurance agents.
Extended Term Insurance - Is a nonforfeiture option that uses the cash value of an ordinary life policy as a single premium to purchase term life insurance in the amount of the original policy. The length of the term policy depends on the size of the cash value and the attained age of the insured.
Face Amount - In a life insurance policy where the death benefit is not variable, the amount stated as payable when the insured dies.
General Account - The account that holds all of an insurer's assets other than those in the separate accounts. The general account holds the contributions paid for participating policies.
Grace Period - Is a period of time (usually 31 days) after a premium is due and unpaid during which the policy, including all rider will remain in force. If a premium is paid during this period the payment will be considered to be on time and no interest will be charged.
Irrevocable Trust - A trust that cannot be altered by the creator.
Insured - The person whose life is insured.
Interpolated Terminal Reserve - The reserve on any life insuance policy between anniversary date, regardless of whether further premium payments are due. It is determined by a pro rata adjustment upward (or downward in the case of certain term policies of long duration) between the previous terminal reserve and the next terminal reserve.
Inter-vivos Trust - This is a trust that is established by people still alive.
Intestate - An insured is said to have died intestate when they die without having drawn a will. Under this circumstance the State will follow State law in determining the distribution of the estate of the deceased.
Lapse - Is the termination of an insurance policy because a renewal premium is not paid before the end of the grace period.
Level Premiums - Is a premium that remains unchanged while the policy is in force.
Maturity Date - This is the date when an endowment life insurance policy matures. The face amount will be paid out if the insured is still alive at that time.
Mode of Premium Payment - The frequency with which premiums are paid. Examples are annually, semi-annually, quarterly, and monthly.
Mortality Charge - This is the cost of insurance protection element of a universal life and variable universal life policy. This charge is based on the net amount at risk, the insured's current age and the insured's risk classification when the policy was purchased.
Net Amount at Risk - In life insurance, it is the difference between the policy face amount and the cash value.
Nonforfeiture features - The various ways in which a policyowner may apply the cash value of a life insurance policy if the policy lapses. There are a number of options that are available and usually selected at issue such as automatic premium loan (APL), cash surrender value option, extended term insurance option, and reduced paid-up option.
Non-Participating Policy - This is a policy that does not earn dividends and is usually considered an investment vehicle.
Non-smoker Rates - These rates are offered to people who have not used tobacco products within a specified period, usually one-year. These people usually pay lower premiums than people who use tobacco products do.
Owner - The person or people who own an individual insurance policy. The policyowner is not necessarily the person whose life is insured.
Paid-Up Additions (PUA) - Additional insurance purchased by policy dividends. The amount of insurance purchased depends upon the attained age of the insured at the time when the dividends purchase the additions.
Partial Withdrawal - This is also known as a partial surrender. It is money removed from the cash value of the policy that may be subject to pro-rata surrender charges. This money cannot be paid back. A partial withdrawal may at times also reduce the amount of the policy's death benefit.
Participating Policy - A policy that earns dividends.
Payee - The person or party who is to receive the proceeds of a life insurance policy.
Payor - The person or other party, other than the owner, who is paying the premiums on the policy.
Policy Anniversary - This is the anniversary date on which the policy was issued.
Policy Loan - A loan that is taken against a life insurance policy. The policy is secured by the net cash value of the policy. A policy loan can never be higher the net cash value. If the insured dies while there is an outstanding loan, then the loan will be subtracted from the death benefit payable.
Policy Provisions - The statements of an insurance policy, which describe the operation of an insurance policy.
Pre-Authorized Checking - A method of paying premiums under which the policyowner authorizes the insurance company to generate checks against the policyowner's account. The insurer then sends these checks directly to the policyowner's bank for payment when premiums are due.
Preferred Risk - This is an underwriting class. People is this risk class have a good physical condition, occupation, mode of living, and other characteristics that indicate a prospect for longevity which is superior to that of the average longevity of unimpaired lives of the same age.
Premium - A payment by a customer to a insurance company for coverage.
Premium Allocation - A premium allocation tells the insurer how to apply each premium payment among the various sub-accounts in a variable contract as chosen by the policyowner.
Premium Tax - Tax levied on an insurer's premium income by the government.
Prospectus - This is a legal document that must be given to every investor that purchases a variable contract. The information in the prospectus outlines investment objectives and policies for the sub-accounts as well as the charges.
Qualified Plan - A plan which the Internal Revenue Service approves as meeting the requirements of Section 401(a) of the 1954 Internal Revenue Code. Such plans receive tax advantages.
Rated Policy - A policy issued on an individual that is classified as a substandard risk. A rated policy has a premium rate is higher than the rate for a standard policy or the policy is issued with special limitations or exclusions or both.
Reduced Paid-Up Insurance - A non-forfeiture option under which the net cash value of a life insurance policy is used as a net single premium to purchase a smaller amount of fully paid insurance of the same kind and for the same period as the policy being surrendered.
Registered Representative - This is an individual who is licensed to sell securities to the public. An insurance agent who sells Variable products is required to pass all of the required examinations given by the National Association of Securities Dealers (NASD).
Reinstatement - The process by which the insurance company puts back into force a policy that has been terminated for nonpayment of premiums or a life policy that has been continued as extended term or reduced paid-up insurance.
Reinsurance - Companies place a limit on the amount of insurance they will risk on a single life and, therefore, when issuing policies for larger amounts than their own limit, they reinsure the excess over that limit with some other company.
Renewable Term Insurance - Is a type of term insurance which includes a renewal provision that gives the policyowner the right to renew the insurance coverage at the end of the specified term without submitting evidence of insurability.
Rider - An amendment to an insurance policy that becomes part of the contract and expands or limits the benefits payable. A rider is also known as an endorsement.
Risk Class - A group of insureds that present a substantially similar risk to the insurance company. The most common risk classes used by insurance companies are standard, preferred, nonsmoker/smoker, substandard and uninsurable.
Sales Illustration - A graphic representation used by a sales representative to help explain an insurance product to a potential customer. Sales illustrations often consist of numeric charts describing the customer's goals and the cost elements and mechanics of the insurance product being proposed. Sometimes simply called an illustration.
Securities and Exchange Commission (SEC) - Is a federal agency that regulates the securities markets. Congress created the commission in 1934 to regulate the securities market and protect investors. The SEC has 5 commissioners that are appointed by the President of the United States and approved by the Senate. The commissioners each serve a 5-year term.
Standard Risk - A person who according to a company's underwriting standards is entitled to insurance protection without extra rating or special restrictions.
Stock - An instrument that signifies an ownership position in a corporation.
Stock Life Insurance Company - One that is owned and controlled by a group of stockholders whose investment in the company provides the safety margin necessary in the issuance of guaranteed fixed premium, non-participating policies. The stockholders share in the profits and losses of the company. Some stock companies also issue participating policies.
Sub-Account - Is also known as a separate account. These funds are kept separated from the insurer's general account and are invested in a portfolio of securities the match the investor's objectives.
Substandard Risk - A person who is considered an impaired insurance risk because of his physical condition, family or personal history of disease, occupation, or dangerous habits.
Suicide Clause - Most policies provide that if the insured commits suicide within a specified period, usually two years, after date of issue, the company's liability will be limited to a return of the premiums paid. This is also called a suicide exclusion provision.
Surrender Charge - This is an expense charge imposed when a policyowner terminates their Universal Life or Variable Universal Life contract within a specific time called the surrender charge period. A policy's surrender charge period can be found in the terms of the contract.
Term Insurance - Insurance protection during a limited number of years but expiring without value if the insured survives the stated period. The protection period may be one or more years but ordinarily is five to twenty years since such periods usually cover needs for temporary protection.
Testate - Having left a will.
Trust - An arrangement in which a person or corporation (trustee) for the benefit of others (beneficiary) holds property. The grantor (person who transfers the property to the trustee) gives legal title to the trustee, subject to the terms set forth in a trust agreement. Beneficiaries have equitable title to the trust property.
Trustee - Is the person to whom a trustor transfers property. The trustee is obligated to safeguard, manage, and use the property in accordance with the terms and conditions of the trust.
Trustor - The individual who puts his/her thoughts in writing concerning the terms of the trust and the process of transferring the property to the trustee.
Underwriter - (1) The person who assesses and classifies the potential degree of risk that a proposed insured represents. (2) The person or organization that guarantees that money will be available to pay for losses that are insured against. In this sense, the insurance company is the underwriter.
Underwriting - (1) The process of assessing and classifying the potential degree of risk that a proposed insured represents. Also called selection of risks. (2) Providing guarantees that money will be available to pay for losses that are insured against.
Universal Life Insurance - This is permanent life insurance that has flexible premiums, face amounts and death benefit options. This type of insurance builds value from which insurance related charges are deducted.
Variable Universal Life Insurance - A form of whole life insurance that combines the premium and death benefit flexibility of Universal Life insurance with the investment flexibility and risk of Variable Life insurance.
War Clause - A provision in an insurance contract that relieves or limits the insurer of liability to pay the death benefit if the insured dies in connection with war or military service.
Waiver of Premium - A provision under which payment of premiums or insurance charges are waived (that is, not required) if the policyowner becomes totally and permanently disabled.
Will - A written document stipulating the disposition of one's property, to take effect upon his death.
Whole Life Insurance - The type of policy, which continues during the whole of the insured's life and provides for the payment of amount insured at his death, or at age 100.
Yearly Renewable Term (YRT) - Term life insurance that gives the policyowner the right to continue the coverage for another year at the end of each policy year. This renewal right continues for a specified number of years or until the insured reaches the age specified in the contract. Also called annually renewable term (ART) insurance.
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If you should have additional questions or comments, please call us at 1-800-387-2747, option 2 or click the Contact Us tab to send us an e-mail. A customer service representative will be happy to assist you.
Address Changes
How do I update my address?
Do you have my client's most recent address?
How do policy owners change their address?
Billing and Premium Payments
Where can premium payments be mailed to?
How do I confirm my client's last premium payment?
How does a missed payment affect a flexible premium adjustable life policy?
Claims
How does a beneficiary file a Death Claim on a policy?
Policy Questions
How can I make an Investment or Allocation Change?
How do I find fund performance or daily unit values?
How can I make an Investment or Allocation Change?
What is the current crediting rate of the GI account?
How do I access customer service forms?
What are the requirements for a Lost Policy?
Loans & Values
What do I need to know about Loans?
How do I view current cash value online?
Taxation
What triggers a tax form on a life insurance policy?
Titles
How do I locate beneficiary information online?
The owner is deceased. What are the requirements to change the owner?
What are the requirements to change the name of a company who is the owner?
What are the requirements to change the name of a financial institution (commonly a bank)?
Do we get assignment/beneficiary designation forms if a Trustee changes?
What's the difference between "Jointly as tenants in common" versus "Jointly and to the survivor"?
If there is more than one Trustee can we get only one Trustee's signature?
What's the difference between a Gift Assignment versus Absolute Assignment?
What happens when an owner dies?
Long-Term Care
Is direct deposit available on LTCI commissions?
Who do I contact with questions regarding servicing an existing policy?
What should I do if my client wishes to cancel his or her policy?
What notifications are automatically sent to policyholders?
How can I view my clients' post issue documents?
How do I use this site to service my clients?
FAQ
Address Changes
How do I update my address?
Agent/Firm address changes can be done by submitting your request in the Contact Us tab, located in the My Business section of JH SalesHub.
Do you have my client's most recent address?
Most addresses can be verified online, if your client's product type is available online, by indicating the policy number in the Policy Look Up section located in the My Business tab. Billing Addresses will be indicated in the Premium section.
For policies that cannot be located online please contact our customer service desk at 1.800.287.2747 Monday to Friday, between 8am-6pm EST, and we will be happy to confirm the address on record.
Address Changes can be submitted online by logging in with your username and password credentials and contacting us by email, located in our Life or LTC tab.
How do policy owners change their address?
Billing & Premium Payments
Where can premium payments be mailed to?
Regular Mail:
Life Post Issue Services
John Hancock Insurance Co.
P.O. Box 55979
Boston, MA 02205-5979
Overnight Mail:
Life Post Issue Services
John Hancock Life Insurance Company
410 University Ave Ste 55979
Westwood, MA 02090
*Policy number(s) must be indicated on the check and indicate how to apply the money, e.g. premium payment, loan repayment or loan interest payment. If no instructions are indicated on the check money will be applied according to the terms of the contract.
How do I confirm my client's last premium payment?
You can confirm if we have received your client's last payment online. To view the last payment, indicate your client's policy number in the Look Up section located in My Business, and select the "Premiums" tab. The last premium received will be indicated in this section. Please note for term policies, the exact date will update to the next due date.
You may also contact our customer service center at 1.800.387.2747, between 8am-6:00pm EST and one of our associates will be happy to assist you.
How does a missed payment affect a flexible premium adjustable life policy?
Any missed planned premium payments may affect the performance of the policy. Missed premium payments may impact the policy values and possibly put the consumer’s coverage in jeopardy.
An illustration should be requested to project how the policy is currently performing associated to any missed payment(s), or request an illustration which will solve the “catch up” premium required to attain a policy to a specific age. It is preferred that illustrations are requested prior to any fiscal changes such as loans, partial surrenders, face decreases, etc.
Claims
How does a beneficiary file a Death Claim on a policy?
For instructions on the Death Claim process, please visit the “Claims Process” page in the Doing Business with John Hancock section or contact the customer service center at 1.800.387.2747, Monday to Friday, between 8am-6pm EST.
Policy Questions
How can I make an Investment or Allocation Change?
Investment Options and Indexed UL Allocation changes can be completed via any of the following options:
How do I find fund performance or daily unit values?
Daily fund performance and Daily unit values can be located in the Quick Links section.
Click here for immediate access.
If you require further assistance please contact us located in your My Business tab and we will be able to assist you. Alternatively, you may also contact our customer service center at 1.800.387.2747, Monday to Friday, between 8am-6pm EST.
What is the current crediting rate of the GI account?
To find out what the current crediting rate of the GI account is please contact one of our service associates at 1.800.387.2747, Monday to Friday, between 8am – 6pm EST.
How do I access customer service forms?
Customer Service Forms can be accessed via the Forms page (see “Quick Links” on homepage). If you cannot find the form that you are looking for you may also request customer forms by sending us an email through the Contact Us section located in the My Business tab or calling the customer service center (1.800.387.2747, Monday to Friday, between 8am-6pm EST).
What are the requirements for a Lost Policy?
Policy Owners who need a copy of their policy are required to complete the Statement of Lost Policy form, and mail the form along with a check for the fee of $20. The payment should be payable to John Hancock and sent to the following address indicated below:
John Hancock Life Insurance Services
Life - Post Issue
PO Box 55979
Boston MA 02205-5979
Alternatively, policy owners can request a policy summary by contacting us at www.JHServiceNet.com located at the top right hand corner of the screen.
If you would like more specifications on your client's policy, you may request a policy summary, or the policy specification pages from the contract, by contacting us in the "My Business" tab.
Policy owner and producers may also contact our customer service center at 1.800.387.2747, Monday to Friday, between 8am-6pm EST to process this request.
Loans & Values
What do I need to know about Loans?
Repayment can be submitted to:
John Hancock Insurance Services
Life - Post Issue
PO Box 55979
Boston MA 02205-5979
How do I view current cash value online?
Policy Values are available in the My Business tab by selecting the Inforce Policy Look Up feature. Indicate your client’s policy number and hit enter. The Policy information will populate in the “General Information” tab. Select the “Values” tab to find the current cash values.
If you require further assistance, please contact us by email located in your My Business tab and we will be able to assist you. Alternatively, you may also contact our customer service center at 1.800.387.2747, Monday to Friday, between 8am – 6pm EST.
For technical online issues, please contact our eService department at 1.888.888.8856, Monday to Friday, between 8:30am – 4:30pm EST or by email at jh_eservice@jhancock.com.
Taxation
What triggers a tax form on a life insurance policy?
John Hancock employees are not permitted to provide tax advice, please contact your tax advisor or the IRS.
Titles
How do I locate beneficiary information online?
Indicate the policy number in the My Business tab in the Policy Look Up section. Select the “General Information” tab. The beneficiary information is located under the heading “Interested Parties.” Please note that the Beneficiaries are listed in alphabetical order not in the order of percentage designation.
If you require percentage designation, please contact us by email located in the My Business tab and we will be happy to assist you. Alternatively, you may also contact our customer service center at 1.800.387.2747, Monday to Friday, between 8am – 6pm EST.
The owner is deceased. What are the requirements to change the owner?
There are two scenarios. In the first, there is a registered Successor Owner on file. This scenario requires: a certified death certificate for the deceased owner(s), a Request for Taxpayer Identification Number and Certification form as well as a Beneficiary Designation form need to be completed by the successor owner(s).
In the second there is no registered Successor Owner on file. In this scenario the company requires a certified death certificate for the deceased owner(s), A Probate of Will or Letters of Administration/Authority. Next a completion of the Assignment form by the Executor or Administrator appointed in one of those documents. The new owner will have to complete a Request for Taxpayer Identification Number and Certification form as well as a Beneficiary Designation form.
What are the requirements to change the name of a company who is the owner?
To change a company name the owner must complete the Request for Policy Change or Reinstatement form under the name change/correction section or a Letter on Company letterhead indicating the name change from ...? to ...? along with supporting documentation such as "Articles of Amendment".
What are the requirements to change the name of a financial institution (commonly a bank)?
To change a company name the owner must completion of Request for Policy Change or Reinstatement form, the name change/correction section or Letter on Company letterhead indicating the change from...? to ...? along with supporting documentation from the "Comptroller of the Currency".
Do we get assignment/beneficiary designation forms if a Trustee changes?
No. If one Trustee resigns or changes for another reason, you do not have to complete Assignment/Beneficiary designation forms. Commonly we get a combination of the following documents: A Resignation Letter, A Removal of Trustee Letter, An Appointment Letter and/or Acceptance Letters. The type of documentation may differ depending on the circumstance and provisions in the Trust Agreement itself.
What's the difference between "Jointly as tenants in common" versus "Jointly and to the survivor"?
Both refer to how ownership is vested or held between individuals. "Jointly as tenants in common" means that the death of an owner will result in the deceased owner's interest in the policy vesting in his or her estate. "Jointly and to the survivor" (also referred to as "right of survivorship") means that the death of the owner to a policy will result in the ownership being vested in the surviving owner(s).
If there is more than one Trustee can we get only one Trustee's signature?
No, we must always get all trustees of record to sign off on any documents that we receive.
What's the difference between a Gift Assignment versus Absolute Assignment?
Both types of assignments transfer ownership of a policy. Gift Assignments transfer ownership for no consideration whereas an Absolute Assignment is for value or consideration in exchange for getting the policy. This is up to the client or parties involved in the exchange to decide.
What happens when an owner dies?
Unless there is a successor owner registered, the ownership vests in the owner's Estate. If Jane Doe were the owner while living, ownership would then reflect "Estate of Jane Doe".
Long-Term Care
Is direct deposit available on LTCI commissions?
Direct Deposit of commissions is available for agents.
Who do I contact with questions regarding servicing an existing policy?
If you have questions about an existing Long-Term Care policy, please call 800-377-7311.
What should I do if my client wishes to cancel his or her policy?
To cancel an existing Long-Term Care policy, please submit a signed written request to the following address or fax to 617-572-6010.
John Hancock Insurance Services
PO Box 55978
Boston MA 02205-5978
What notifications are automatically sent to policyholders?
The following are the only automatic notifications sent to policyholders: premium notices, late notices, lapse notices, and inflation offers.
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What is an Unverified User?
An unverified user means that we were not able to authenticate your registration in our system and therefore we have provided you with limited access to JH Saleshub. You must have an active payroll number/agent code in order to receive full/verified access. You can contact Licensing by emailing usagency@jhancock.com to inquiry about your status. If you have an active license and need to change your status from unverified to verified, please contact our eService line at 1.888.888.8856 Monday to Friday between 8:30 – 4:30pm EST, and we will be happy to further assist you.
How can I change my password?
Visit "My Profile" in the right-hand corner of the site to change your password.
Can I change my email address after I register?
Yes, visit "My Profile" in the upper right-hand corner of the site to update your email address.
How can I contact John Hancock?
You can email or call John Hancock by clicking the “Contact Us” button located at the top and bottom of each screen.
Why is my password and/or user id not working?
You may not be able to log-in because of one of the following reasons:
What browser version and type are needed to view the web site?
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Security updates are easily accessible from the home page of your browser's manufacturer. These updates are free and require a brief download of a self-running update.
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Most forms available on www.JHSalesHub.com are in PDF format. PDF format allows documents to be easily printed.
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What is Acrobat Reader?
The Adobe Acrobat Reader is a free browser "plug-in" (helper program) that allows you to view and print documents in Adobe's Portable Document Format (file names ending in the extension ".pdf").
The Portable Document Format is platform-independent: users of MS Windows, Mac OS and other operating systems can all view the same .pdf document. This powerful tool enables companies to keep up to date documents available to all clients.
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Download Adobe Acrobat Now
I have the Acrobat Reader on my computer, but cannot view PDF files on www.JHSalesHub.com.
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How do I check a John Hancock account balance online?
Login using the "Login" link, or by selecting any of the options under the secure portion of the site from the top navigation bar. Please note that passwords are case sensitive. Once you have entered your user id and password, click "login". To view accounts, click on the "Policy Details" option found under "My Business." Type in the policy number you wish to view, and click ‘Submit’. You must be listed as the Servicing Agent in order to view policy details online.
What kind of account information can I view online?
You can view:
Why can’t I view the policy details after I log in?
The two most common reasons are:
How often is my online account information updated?
All values are updated every business day and are calculated with the most recent market closing prices, usually the previous day's closing prices.
Can I change/ update information online?
If you are authorized for web investment changes y ou can change the current and future allocations of a variable policy by selecting the "Investment Changes" tab in "My Business ". Other changes, such as address changes and general maintenance, can be changed by submitting a service request by selecting the ‘Service Request’ tab located within "My Business."
Where can I find forms to make changes to my account?
After you have logged into the site, select Forms under the Quick Links section. If you cannot locate the form, you can request the form by selecting the "Service Request" tab located within "My Business."
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This material is for Agent and Institutional / Broker – Dealer use only. Not for distribution or use with the public.
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. Variable insurance products are offered through John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 197 Clarendon Street, Boston, MA 02116.
Insurance policies and/or associated riders and features may not be available in all states.
© John Hancock Life Insurance Company (U.S.A.). All rights reserved.
| extension | details |
|---|---|
| *.exe | Executable file (program) |
| *.mps | Windows Sharing File allows you to map a Windows network drive to your VPS home directory across the Internet |
| *.vbs | Script file (Microsoft Visual Basic) |
| *.avi | Microsoft Audio Video Interleaved file for Windows movie |
| *.mpg | MPEG Animation (movie file) |
| *.mpeg | MPEG Animation (movie file) |
| *.bat | Batch file |
| *.com | Command file (program) |
| *.cmd | Command file for Windows NT (similar to a DOS .BAT file), OS/2 |
| *.scr | Screen saver file / Screen Snapshot file / Fax image (Generic) / Debug Source Code (DOS Debug) |
| *.asf | Microsoft Avanced Streaming Format (movie / music file) |
| *.mp3 | MPEG Audio Layer 3 (AC3) - compressed audio file |
| *.eml | (Outlook Express Mail Message) file type |
| *.pif | Program Information File / Compressed archive (Macintosh) |
| *.scp | Script file |
| *.shs | Shell scrap file; reportedly used to send "password stealers" |
| *.swf | Object (ShockWave Flash) |