John Hancock Life Insurance Reviews

My mom paid for LTC (long term care) for many decades. She's very organized - I have a 3" stack of receipts. When it came time at 81 to claim it due to to chronic arthritis, they said no. She supposedly didn't meet their criteria. She can't get around w/o an electric scooter, can't stand long enough to cook for herself, can't bathe herself and has a hard time dressing herself. I moved her into American House, and at first they said that facility isn't licensed. They have a memory care and full time RNs on staff. Then they said she doesn't meet their so called parameters. THEY ARE DISHONEST. If you decide to use them, please read the fine print.

I am the said caregiver and the client is in his 70’s. We have a POA that takes care of all financial matters except I am responsible for submitting claims! Neither the POA nor the client have computers so I do all this paperwork on my side! They have paid on the insurance for several years and should have no issues with being reimbursed for the claims! The bank sends ONLY the front of canceled checks. I have tried calling multiple times explaining this. I have even tried taking a photo of the checks and then my signature of back before I deposit them. This STILL is not sufficient for them and we are being denied payment! To top this off now they are saying we have not submitted a claim for 60 days and they have closed the account with us owing $3K plus for premium! Of which is NOT correct.

Do not buy any insurance from John Hancock. They are bad, not ethical, trying to cheat you out of a payment even a small payment. My spouse has the long term care insurance with them and they claimed that a memory care facility is not qualified a nursing home and thus no payment. They wanted so many forms and after we submitted, they wanted other forms to fill out. At the end, they still refused to pay after got us to submit so many forms and data requests.

It's crazy that my company took it upon themselves to mess up my annual selections, and John Hancock is refusing me access to MY OWN FUNDS. What the actual crap is happening here? If you don't want to give me the company's portion or the vested portion, cool... But I can't even get my own portion?!

I'm the POA for my elderly parents, who purchased a John Hancock LTC policy over 10 years ago. They pay over $600 a month for this policy. I have requested the complete policy info 4 times now, I sent copies of the POA docs as they required, by Certified mail, and have had to make many follow-up phone calls. Half the time they're having phone problems. I called again today and req. a supervisor, but waited 20 min just to be told one is not available. I will be filing formal complaints with the BBB and the Dept of Commerce in MA today. Funny they have absolutely no problems debiting their bill every month.

If you're looking for a company that will assist you in your time of need, direct you to channels for help, and advocate for your best interest, John Hancock is NOT the place for you. Don't do business with these folks. Seriously, get out now. It's a waste. You'll find yourself fighting through numerous hours long phone calls, encountering obscure, hidden, red tape they make up to deny your claims, and claims adjusters who try EVERYTHING to discourage you from making a claim. They pivot time and again to discourage you from collecting what you PAID THEM FOR!?!?! It's almost humorous, but it's not, because you're paying your hard earned money for help should you be in trouble. But they're not helping, only politely - HA - informing you, you don't have the benefits you paid for. Unless you've graduated from the John Hancock school of semantics, policies and procedures and are willing to give your LIFE to cajole them for it.

This has been a complete joke of a company. Their training department has failed. The Tech department has failed. Or is nearly impossible to get your money out of this company. DON'T INVEST YOUR MONEY HERE!!

I wanted to let anyone know that has life insurance to think about going with someone else. They are horrible to deal with. My father died on April 22 and I have got nothing but the run around. They never call you back. You talk with a different person every time you call in. It is like you are starting over every phone call. John Hancock you guys suck at customer service.

I just found this bulletin board. These Posts confirm my experiences with JH. I'm currently deciding if I should walk away from my 17 years of paying increasing premiums of a cumulative amount of $90k. If any person reading this board has received benefits from JH for any claim in the past few years, then please post a brief statement.

I was leaving my employer for a new job. Given the limited amount I had in my 401k, I made the decision that withdrawing the balance would be more beneficial to my situation than rolling over the $4800. I submitted a withdrawal request on March 28th, come to find out my last paycheck for my final week of work had almost $1000 withheld because I had taken PTO while I was out sick with a fever for nearly two weeks, so I thought to myself 'I am glad I put in for the withdrawal for the 401k now that I am in a financial hole'. I checked every day after the 14 days John Hancock said it typically takes up to. I got to almost a month since I had submitted my request so I called support.