John Hancock Life Insurance Reviews

This company is just the worst of the worst. My mom left her old job and unfortunately they used this company to hold retirement funds. For the past year and a half I have been trying to get the funds transferred to another retirement account. The account is currently sitting in a money market fund and they have been charging fees upwards of $45 each year for nothing. It's literally had a balance of $575 and now it's down to $486.00. By the time we get this money back it wil probably be $100. It's just ridiculous that after sending in all the documents we still cannot get my mom the money she is owed. Just the worst company ever. Too bad we can't rate 0 star.

First my mother died 4 years ago. I called John Hancock and they denied having a policy for her. Now in July of 2023, 4 years later, I get a letter of condolences telling me she has a policy there? Trying to get my mother's life insurance from them is too painful, even with the help of 2 different employees helping me on the phone twice for hours, my forms were still incorrect, they just keep sending me the same blank form to complete, no check. I have now sent them a letter to just let me know when it goes to the state for unclaimed funds. I think it will be easier to get.! Remove your funds now!!!

They keep finding ways to delay payment. First it's 15 day review then 30 day review. They keep changing the terms of the policy on the phone calls for hours with their employees. This is a very bogus company. They have many. There are several class action lawsuits going on against John Hancock long term insurance which I can see on social media. Hours on the phone with different departments and only trial disappointments and exhaustion and stress in return

My "financial advisor" sold me this annuity without fully explaining it to me. Basically, I put in a lot of money, and it won't break even for 11 years. It would have been much better if I had just put my money in the stock market or even a bank account. The company, of course, says it is not their responsibility.

Their portal is decent, and all was decent until I left my former employer. I had taken out a loan against my 401k. I was just going to leave all funds with them & repay the loan, just as Fidelity or any other decent brokerage would allow, but John Hancock doesn't allow you to repay the loan direct to them. Their website & your plan may say you can just repay the entire loan balance, but I get a different answer and the run-around every time I call. At one point, I was told I have to repay in full and could mail it. So I had retracted all of my past Roth contributions to do so, but on the last call they stuck to their initial position that any repayment must be made through my prior employer (like my old company is going to route my $ for me and continue to administer my plan). So they won't even give me an address or means of repaying the loan directly without convincing my prior employers to submit my payment for me.

I cannot express the anger I have towards this company. A con job extraordinaire. I am Power of Attorney for my stepmom and I've been on the phone all day trying to set up a claims page to submit invoices for expensive in home care during a time of Hospice. I get the portal set up, log in, and no luck. It says no such policy exists. My stepmom paid out decades of premiums and amassed $80,000 to use at such a time as this so she can pass in her own home. So many people are left with nothing, zero, nada, to help their loved ones die with dignity. Shame on you John Hancock - you are thieves - SHAME. SHAME. SHAME.

2 Years + on a life insurance claim - One more form, one more call, one more thing - This is what they are all about. Delay pay until everyone gives up. I again spoke with them tonight. Just one more.

As a licensed agent 0-5. As a customer 0-5. John Hancock is a scam on both levels. As a agent I had a $300 charge back, they stated I owed them $950!! Paid them via wire transfer and they claim I never sent them money with all the evidence I need to prove my payments. Months later still under “review” and nobody knows where my money is.

If I could give a negative review number for this company, it would be -1,000,000,000,000. I am 66 years old, a former Major in the US Army and an attorney for over 25 years. It has been over 7 months since the death of my mom and still no death benefit has been paid due to the mistake of the life insurance agent and the cover-up of the company.

On June 16, 2023 I was transferred to John Hancock vitality technical support from the main customer service line at approximately 12:55 PM. A representative by the name of Jada picked up the phone and I told her my issue which was I needed to obtain my prime code For Amazon and she told me that that was not possible. She stated that the website has been disabled and she did not know when it was going to be back up and running that I should check back next week to see if it’s up and running again. I was confused because I had already been issued the code and did not understand how I just couldn’t get the code re-issued re-emailed to me. I asked to speak to a supervisor or manager. Jada insisted that there was no one available that could help and she kept repeating to call back next week. I find that quite strange that no supervisor or manager was able to address my issue.

Paying my disability policy for almost 40 years. Became disabled/ filed claim. Tons of calls, repeated many times same paperwork. Still no denial or approval. Hired attorney and now out almost $50,000. Careful with Hancock. Not honorable company.

My Mom passed in Jan 23. John Hancock has been absolutely HORRIBLE!!! Every time I asked about my claim, they would give me one excuse after another. It's terrible how they do this to people who just lost a loved one!! I would NOT recommend John Hancock to anyone! I am still waiting on my insurance money. My mom had 3 life insurance policies at different places, and I never had the trouble I am having with this company!! They definitely don't need to be in a business like this.

Note, I am 56, and this is only the 2nd negative review I have written for any business ever. We have had 2 life insurance policies with John Hancock (my husband and I) for probably 5 - 10 years now. We have just experienced a 2nd episode where John Hancock has said right before their policy canceling deadline that they didn't receive our annual premium checks.

They do not accept electronic wiring from your Bank. They want your checking account number and withdraw the amount from your account, not the other way around. It's the customer's purchase not John Hancock. John Hancock wants to control how business transactions are done on their terms....not the customer. I do not want to give them authority to pull monies from my checking account. Their retaliation is... "Send a check or let us pull the funds." Not customer friendly. US bank sends them a check....as John Hancock will not accept electronic wired monies from the customer. The check sets in their corporate back log. LAPSE WARNINGS ARE SENT. It requires from the customer... time and aggravation. Which is what they want. As they want...access to the checking account and paid on their terms. NOT CUSTOMER FRIENDLY.

I open this policy in early December and told them the payments were to come out on the first of every month. They attempted to take a payment on the 26th and it was insufficient somehow even with a lot of money in my bank account. They sent me a letter on January 3 saying that I had 15 days to make the payment or my policy was gone. This letter was not in my mailbox until today, 23 January…. I spoke to the agent and told them they weren’t even supposed to touch the money until the first and I did not receive any emails or anything not even a phone call. They told me to reapply. I told her to shove it. I’ve had nothing but communication issues with this company even in the beginning when I need to elect beneficiaries for my policy. They got my address wrong and beneficiaries wrong. Could not get them on the phone or email replied.

My dad paid for his John Hancock long-term care insurance policy for many years. In December 2021, he was diagnosed with pancreatic cancer. We had to have 24 hour care in his home until he died at the end of March. I filed a claim from John Hancock, and it was all downhill from there. They never contacted me for any documents, but when I would call them and wait on hold for an hour, they would tell me they needed something new, like verification from the hospital, verification from the long-term care provider, invoices from the long-term care provider, and finally at the end when I called them to say, “why haven’t I heard from you for the last three months?”, they said they needed timesheets from the long-term care provider. Each time I would come up with the paperwork they required for the file and submit it.

Dad and Mom Paid Approximately $80,000 in premiums over a period of about 27 years. John Hancock was Very, Very Slow to authorize payment for their care. We do Not recommend this company. Most people do not live more than 2 years in assisted living. Save your money in an escrow. You will have far less aggravation and ultimately save money.

I have a disability policy with John Hancock for 40 years> always paid premium then became disabled. Filed claim with John Hancock and never heard back. Telephone calls, e mails then got State Dept of Insurance involved. Finally Hancock told the Dept of Insurance they basically dropped the ball. Still nothing. All papers sent certified. Emails, etc. Still nothing. Then they increase my premium 300%.. They wanted me to miss my premium so I they increased it 300% when I should not even be paying a premium. Hired an attorney and still no response from Hancock. Then I get a call and letter from UNUM, 3rd party company who works with Hancock and stated to me that I need to send all papers again for a new claim.

My mother, who passed away on April 24, 2022, had an annuity with John Hancock Life Insurance in the name of her trust. I first made contact with the JHLI on May 5, 2022 to start the claim process and it is now July 12, 2022 and I am still trying to get the claim processed. Every time I call I get a different person who tells me something different in terms of paperwork and timelines. I have not spoken to one person who seems to be competent and who knows what is happening with the estate's claim for the annuity. Buyer Beware!!!

This company has the WORST customer service. No two people at this company knows the same information. The reps can not be called back so no accountability can be enforced. I was on a 90 minute conference with one of their reps and a rep from my bank and at the end of the call it was decided that I needed to open a beneficiary IRA account at JH so the money could be transfered to my beneficiary IRA at my bank. Three hours after that call ended I got an email from JH that they no longer offer this financial product! What? How did the rep not know that?

Across three phone calls, John Hancock lied to me; breached privacy by telling me unassociated policy information; and has moved the goalposts on what information they can provide over a verified-identify phone call. A family member who had a life insurance policy with John Hancock passed away. I called to confirm the next steps to file a claim. I was told very little as John Hancock could not verify the deceased’s details; would not tell me anything about the policy I was attached to; and effectively refused to acknowledge the policy. I was told to submit a death certificate and (effectively) a blind-faith claim for an undisclosable amount. This process involved me providing personally-identifying information for myself and my family member without any insight into what I was doing by John Hancock. I was never informed if they received or acknowledged my claim.

The agent wasn’t very truthful. I told her that I’m A disabled veteran, using my VA loan. Which doesn’t require mortgage insurance. I explained this to the agent, but she acted as if she didn’t hear me. After further research, the agent shouldn’t have even come to my house. Once I cancelled the account, the phone operator told me that I would get my full refund. When I got the refund, it wasn’t even half of what I paid. This company is a scam, they scam you into getting the insurance, then scam you when you cancel the un-needed insurance.

I have two policies with Hancock. I've called for 3 years in a row regarding a problem with premium payments. Still have not received assistance! I have spoken to my agent; I've called John Hancock directly and back and forth and the situation is still not resolved. Spoke to my agent on 11/11/21 and he was supposed to call me back the following week. Did I hear from him....NO! Called him again today 3 hours ago and no reply yet. Called corporate and was back and forth with two reps and still not resolved. Tried to login online and for some reason it says it can't find me even though I just registered online last month! DON'T USE JOHN HANCOCK!!!

I've had life insurance with John Hancock for almost 20 years. I have questions about extending my life insurance when it expires next year. I get through to customer service but they must refer me to a sales rep. The sales rep NEVER call me back. After 20 years of making payments to John Hancock you would think the customer service would be better. It sucks. I recommend getting life insurance through another company.

I had never dealt with a company that lies and mismanaged money like this before. First of all they will never tell you the truth. Do not even expect them to be honest. They do not even give good lies.

I’m supposed to trust this company with my life savings? When I tried to call customer service, I had to enter information for several minutes each time, and then the system hangs up on me... every time. I wasted several hours. So, I opened an account with a reputable company, and I’m going to roll everything over. That is, if I can get my money. Their website does not work either. Click on this… Something went wrong… Click on that, it’s not available… What a joke! My kids could build a website that works better than that!

All I can say about this company is that they don't know their right hand from their left. Out of 5 different people I dealt with only ONE seemed to kinda know what they were talking about. A supervisor, I won't mention HER name, was completely RUDE, how she became a supervisor is beyond me. I would not trust them with $.03 let alone some of the amounts they are "managing." If you are a company looking to utilize these guys I would think twice. They will cause nothing but headaches for your employees.

Not very responsive on customer service, have had to make repeated requests over the years to have corrections made. I have a Whole life policy that is paid up and don't need any additional coverage.

Please do not purchase anything from them! My grandmother who raised 5 orphans had this policy for more than 30 years. She had just passed away Nov 22 2020. Today is the 31st of Dec. And still no payment. They are still currently giving my other sibling issues on payments as well. It took 14 days for a claims rep to call one of us. Now they are closed for the holiday and have to wait. I wonder if they ever screwed over a life insurer before. I am going to the Bank Of Finacial Insurance and beg that this company be Audited.

They don't do anything for you. I transferred my policy from a group plan to personal and the only time you hear from them is when they have to send their compliance documents. To me, as a person who is getting older, your life insurance broker, should be providing additional guidance. Make sure that everything is "tidy" in case of or when a person dies.

Changed denial reason (7 months later) after I proved they were incorrect with supporting documentation. For the last 7 months, John Hancock who sends their claims to Seven Corners has denied me because they believed I claimed items that they thought had been returned to Amazon. After 3 reviews where they didn’t look at my supporting documents, 2 independent investigations through G4S and Optima, 3 way phone calls with Amazon, and hours adding additional information on each and every item they believed was returned (40 items-took 10 hours to prepare). Then sending an additional 72 pages of proof on top of the original 90 they’ve had on day one..... They just changed their denial reason. Simple as that!

This company needs to be investigated and audited. My grandparents had a joint retirement account. When my grandfather passed away in 2012 my grandmother called to report his death and update beneficiaries. She was instructed to complete a TOD form which she did and sent back. A few weeks later she was sent another form because the old form was not according to their policies and needed to be notarized. She completed this form and had a notary signature and mailed back in their postage paid envelope.

I cashed out my 401K. According to what I have been told (by customer service reps). They tell me 7-10 business days to mail. Today is day 9 and no check. Coming from Buffalo NY should take 3 - 5 days.

Incompetent Company and Employees. My dad made on-time payments to John Hancock Life Insurance Company for YEARS. Upon his passing in May 2020, we contacted John Hancock Life Insurance by phone. They emailed us a claim form and told us what necessary documents they needed to process the claim. Told us it would take 10 business days to process the claim then funds would be distributed. Here it is now July 6th and we haven’t received ANYTHING BUT THE RUN-AROUND! We have called and called and called. Each time we call they say the same thing... They don’t see any updates and will call us tomorrow with an update; which they never do. THIS IS RIDICULOUS, John Hancock’s employees are incompetent and the company is a JOKE! If I ran my business this way I wouldn’t have a business. I want this resolved immediately, if not sooner! This is unacceptable and inexcusable.

My parents has had John Hancock life insurance for over 50 yrs. My dad passed away in April 2020. It is now damn near July and they still haven't paid his death benefit. Everyone you call and speak with are professional liars. This company is a scam! how dare they! Families have to call numerous times, get lied to and get the runaround just to get a check. I'm disgusted and this is egregious. NEVER AGAIN! BEWARE. Seek another insurance company.

Bought travel insurance policy for a trip. 5 days before coming home broke a tooth in my mouth. Policy states coverage for accidental dental covers $750.00. Paid $1000.00 to get tooth fixed. Sent in claim form. They received it and took them over 45 days to process and denied claim for some ** excuse. Called and got some Mickey Mouse company called Seven Courners. On hold for thirty minutes to say can’t help your claim has been processed. Filed a appeal right away and still no answer. It's now over 65days and no payment for a totally legitimate claim. John Hancock Insurance Co is a total RIP OFF!! And what a insurance scam. Do not trust this company. Very very poor customer service and they do not know what they are doing at all!!!

Our company switched to John Hancock many years ago. 4 1/2 years ago I took a 401K loan. When I received the amortization schedule from them it was obviously wrong and would not pay off the loan in the 5 year payback schedule. I contacted JH and they told me I was wrong. Well 4 years later they say, "Oh, the payback schedule is wrong and I now need to double up on the payments or make payments on their website in order to not be penalized." I made one payment on their web site and am unable to make any more due to their website "glitch" as they call it. This has been going on for 3 months. So John Hancock is an investment company that is unable to calculate a simple amortization schedule or maintain a functioning website.

My employer switched to John Hancock about two years ago and it is the worst brokerage I have ever dealt with. Awful phone support, unintuitive browser, an app that barely functions, and somehow, it breaks, or fails to sync with, every budgeting tool out there. Once you do log-in, it's very hard to find information about your investments - it's as if they don't want to give you visibility of your own money. I actually like my employer but the fact that they chose John Hancock for retirement benefits is a huge negative. Avoid this brokerage - if you are looking for a plan provider for a company, do the employees a solid and choose literally any other bank.

Long story short because John Hancock has no idea of what they are doing I am getting taxed twice on a ROTH IRA. I have been attempting to make contact with them but thus far that has been a waste of time.

Worst service, products, company!!!! This is the worst company ever!!! Worst ever!!! Rude!!! Nasty,!!! Slow!!! I hate I ever joined!!! I will never let anyone I know join this company!!!! There is no urgency in nothing!!! Stay away from this company.

I opened a 401k thru my employer in Feb 2019. I had around $815 in the account at end of Sept when I requested the distribution. This employer did not match even a penny. When my bank received my distribution ck this week it was for $692. I called John Hancock to find out why they took anything from my balance. I explained the rep I dealt with said nothing at all about $85 to be taken by a 3rd party and $25 taken by John Hancock. The mgr said she listened to the call and agreed he did not. She said my employer is told that there is a fee upon rollover. That doesn't really help me now does it since I'm not my employer?

My husband passed away in June and I am listed as beneficiary on the 401k. They will not give me any information after several phone calls and said someone from the transition team would call me. A woman called me and told me the transition team would not be calling me and would not give me any info. Not only that she was extremely abrasive and aggressive on the phone. I emailed the company from their website asking for an address where I could mail a request for information and no response. I am having to hire an attorney now to handle this. So uncaring and unwilling to help or to pay benefits to widows and widowers. I have never written a negative review for a company in my life until now. They should be ashamed. I am looking to see what agency I need to report their actions.

Worst company ever! My ex husband has John Hancock as his retirement company, 401k was part of the divorce. So we get all the paperwork done and submitted correctly and now they won’t let me log in because someone put my birthday in wrong. And I’ve checked this was NOT on my end so why should I have to provide you with a birth certificate? Why should I spend extra money and time running around because you can’t do your job? Never will I EVER recommend them!

Upon leaving my company, I completed the necessary paperwork to transfer my funds to a new account. John Hancock's records indicated that the check was written on September 4th and sent to the address for the new account. After waiting over two weeks, I contacted John Hancock asking for additional information because the company which had the new account had not received the check. At that point, I was told that the check was not sent to the address they showed on file, but that it had been sent to the third party administrator. I have yet to see the check so I have lost interest on my money and John Hancock falsified their records regarding where the check was sent. They refused to give me tracking information. My next step is to report them since they do not seem to understand that they are part of a heavily regulated industry.

My mother died over a decade ago. John Hancock just sent a letter regarding her death recently. We didn't know this account with them existed and found it both hurtful and odd to revisit her accounts and death a decade later. I filled out all the paperwork they requested and have been waiting and waiting and waiting. I keep getting told they are "processing" things and need a couple more days. It's been weeks now. There's nothing complicated about the circumstances. I just want this matter closed, but they have been horribly lacking in any compassion or understanding.

I wish they had negative stars. My father-in-law passed away in May 2019. We filed claims for his life insurance with MetLife and John Hancock. MetLife paid the claim in one week. It took John Hancock three weeks to send us a letter saying additional information was needed. We immediately sent it in. Three weeks later there is still no check. We have wasted hours calling getting numerous call centers around the world to representatives who could barely speak English. None could tell use when the check was being sent. It finally took screaming at the representative to get us to a US representative. She was able to tell us the check is being cut (we’ll see if it’s true!). Save yourself many headaches and go to MetLife.

For the last seven years my father has lived with us, I faithfully paid his insurance premiums. When he passed away, I could not find a person to talk to and was sent to several different people until I finally landed on the right one. He said nothing politely about being sorry for my dad‘s death but was laughing and acting silly on the phone. That was upsetting but he promised that he would get in touch with the right person in the company and that they would send me paperwork to be filled out to apply for his life insurance. I am the only beneficiary so it should be very straightforward.

Trying to get this company to pay off on a life insurance policy is an effort in futility. Don't bother filing a claim, just call your lawyer. We needed the money to pay for my mother's long term care, she has Alzheimer's disease and is in assisted living, however this company couldn't care less. They continue to drag their feet and now when they've run out of excuses, the claim is "in process". The other life insurance company my father had paid the claim in three business days! We're going on a month with John Hancock. There are far better insurance companies out there, pick one of those.

Please people don’t waste your time with these people. They are CROOKS. I usually don’t write bad reviews but this company is awful. They cancelled my husband policy for no reason and then said we cancelled it. Bunch of bs. Save your time and money because this company is a JOKE... It’s sad people are like this!!! Shut this company DOWN!!! If I don’t get my money I will see you in court!!!

If you were told upon applying for life insurance that your premiums would be waived if you ever became disabled - DO NOT BELIEVE it! We have paid in (on time) monthly for 40 years. My husband became disabled in May 2018. In January 2019 I happened to remember this clause (promise) about the waiver. I contacted them to say my husband had been approved on Short Term Disability in May 2018 and then approved for Long Term Disability in November 2018. They denied the claim.

This company is a joke! I have a home care company and have a client that has John Hancock Long Term Care. He has been approved for $105.00 a day. I have nearly $6,000 in unpaid bills. Every time I call, they give me a different Fax Number to send it to, a different address and a different department. DO NOT GET JOHN HANCOCK Insurance for anything.

I am the sole beneficiary of a life policy and John Hancock is refusing to pay. The reason, there was a divorce involved. In our divorce decree my husband and I kept ownership of our life policies so we could have the sole discretion to keep the beneficiary as is or change the beneficiary at any time in the future. It would be our choice. He never remarried and we remained friends and elected not to change the beneficiary. He sadly passed away of a very difficult illness and is missed by many friends and loved ones. I turned the claim in and jumped through all of the hoops and requirements they requested - completed forms, divorce decree, death certificate, etc., at which time they said they would issue a check.

My mother passed away. After over 35 mins. on hold, the rep said she would send the claim forms to the address on record. Two weeks later, I'm still waiting. Why would any business think it's acceptable to put any client on hold for that long? For the love of God, you're making millions of dollars, hire some more people!!

John Hancock 401k released my employer based funds back to my employer! The NASTY reps got my employer involved and released my tapes to them so the company and John Hancock reversed my funds paid out of my payroll check and my plan. Is this legal according to the SEC?

This company is disgraceful. My mother is needing her cash value from a paid up life insurance policy; BUT, they are refusing to accept her Power of Attorney/Attorney in Fact, prepared by a law firm. So, they are refusing to turn over HER FUNDS to pay for her care in a nursing home. Even after they know she is incapacitated, I have the letter they sent me advising me to go get her to sign a surrender form in front of a notary!!! They want me to commit fraud, so then they could claim her signature is not valid because she was forced while incapacitated. WHAT A SHAMEFUL COMPANY THAT HAS SULLIED THE GOOD NAME OF JOHN HANCOCK.

I guess the insurance policy does what it is supposed to; expensive, but one knows about that when buying a VUL. And the company's financial strength is OK. But the website is 20th century, and the back office worse. I have online accounts with Fidelity, Vanguard, Morgan Stanley, Voya, Chase, Citibank, and multiple other financial and insurance providers. I can say without reservation that the John Hancock website is the absolute worst. Slow, buggy, does not let you do simple things like transfer between accounts or update your password. And when you call customer service to do what you cannot do on the website, their back office systems bog down completely. You may end up sending faxes to prove they get the message and to insist they implement. Look for alternatives.

I cashed out of a universal insurance policy that was overpriced. This is an investment product and should have produced a nice payout. JH said they would overnight a check after they refused to direct payment. They gave me a figure, took a week after many phone calls to get the check and they took out a monthly payment then sent me a letter telling me I owe them 1100 dollars!

JH has made losing both of my parents an unspeakable nightmare! After losing my Dad, my Mom and I were told by JH his whole life policy was no good. We paid all funeral and final expenses out of pocket. After seeking legal advice and contacting JH again, they rescinded and told me the policy actually was good, then proceeded to put us through over four years of jumping through hoops. Now I've lost my Mom and had to pay all of her funeral costs and JH is still playing that game, figuring I'll give up. They sent a check for $1,400.00 when the policy should pay over $15,000.00. A pittance to them...but all the money in the world to me, I'm now broke.

The most horrible experience. I purchased a money market fund from John Hancock since market was volatile to preserve cash. When my account was closed I was charged a fee of about 4000 (over 2 % of the fund). Fee was never disclosed. I filed a complaint with the labor department. Stay away from John Hancock. They are just trying to milk fees from clients without disclosing them.

I applied for a 401K loan with two weeks to go before my closing date for a house, and now I risk missing my closing date because of John Hancock’s antiquated technology and process. My mortgage broker told me it should only take a few days to take out a 401K loan, but I guess he is used to clients dealing with better run 401K administrators. Also, when I first looked into taking a 401K loan, I saw that you could apply electronically, but when I did apply I found out it would take 5-7 days to receive the full paper loan application by mail and another 5-7 days for John Hancock to process the request after I submit the application.

I received in June a proposal to withdraw/rollover my Annuity. I was quoted in the papers a lump sum withdrawal. After given the runaround for over 3 months about additional paperwork and multiple follow up phone calls on my part they finally told me I would receive a check that was 30% less than all the paperwork had quoted me. When asked they stated it was a miscalculation on their part. So how do I know the new quote isn’t a miscalculation also? If I ever get my money I will never invest with them again... my advice... run as fast as you can from them. Anyone who is in the business of finances and can’t even quote you a right number on your investments is a pretty shady company.

Filled out all forms from John Hancock including a voided check for the electronic funds transfer. Phoned to find out date of transfer. Was informed that the check was in the mail. They didn't approve that the account had the word "remodeling" even though it was in the name of our trust. I was not notified that JH would not perform the electronic transfer.

I am the sole beneficiary of a John Hancock Retirees Basic Life Insurance Plan. I have called several different phone numbers and filled out several online forms and have gotten nowhere. All I have received is "someone will get back to you"! When you lose a loved one, why make a difficult time even more difficult? Maybe you will give up and JH doesn't have to pay the claim? Wrong, do not plan to quit! In the meantime I'll post negative reviews everywhere I can!

My parents got a life insurance policy several years ago, and wanted to make some changes to it. What a headache! Unlike State Farm (the other company with which we have life insurance experience), the help that the reps offer is very general (they send confusing papers to complete, as opposed to the agent completing papers for you). In addition, I have to keep calling to get anything accomplished. I have called 3 times to verify the changes made, and am now on hold, when I should have received a call last week as promised. Much better to get insurance from a company with an experienced agent to help you!

To this day John Hancock has not provided us the complete address of the "Plan Trustee". I have no idea what a Plan Trustee would do with a check made out to Fidelity. I requested money from other 401 accounts and the money went directly to the Rollover account.

For the last 2 months, I have been getting the runaround in regards to a group annuity I am to receive from a deceased relative. I have called several times, with today telling them that I better get my information today via email as I originally requested and neither of us are getting off this phone until it happens. They NEVER kept any records from our phone calls, so they had not have my email address or my mailing address. They were mailing items to another mailing address AFTER I specifically told them that is NOT the mailing address. When I finally received my paperwork, I was supposed to get an email with a password and pin number. Guess what? I NEVER got that either.

I received a death benefit letter from John Hancock informing me that I was a beneficiary of my relative's fixed annuity. I followed the instructions on making a claim and waited patiently for a response to the claim. I called multiple times to get an update on the claim and was given the runaround, being transferred to different people, being put on hold for periods of time, and being promised several times that I would receive something in the mail within 7-10 business days (which never came).

My employer rolled my 401k automatically over to John Hancock. When I left the company they automatically rolled it into a IRA. No issues here. What happened though was every time I called I had to navigate through numerous cyclical menus and after 20 to 30 minutes on hold every time was usually they were unable to find my account. So over 2 years my $400 turned into about $260 after sitting in cash with astronomical fees and a $30 charge to move my money out of there and into a different company. Disgusting.

401K or maybe not OK. Retired 4/13/2018 - filled out paperwork for lump sum dispersal of my retirement plan and submitted to HR on 4/10. Supposed to be deposited into my savings within 3 to 5 days. It's over a month later and no deposit made. Called yesterday and they decided to send a check to my former employer. How is that legal when I am primary on my account and my daughter is secondary?

Both the agency and company are cold, impersonal and do everything they can to spend as little as time helping you. Two examples:

My stepfather passed almost a year ago & I have been working with my 97year old mother to collect on his policy. I have submitted all forms requested at least 3 times & finally hired an attorney last November, 3017. He has also submitted the same paperwork at least 3 times & we are still getting nowhere. This is the worst customer service I have ever encountered & it's a shame that my mother cannot get the monies that he intended for her to have. We are still trying to get this settled & it seems like they are just waiting for her to die so they can drag this out forever. I have power of attorney & also an executor of the estate. Everything else has been taken care of as far as the estate goes with only this police to be distributed!

John Hancock has the most incompetent management. Four years ago I began managing my elderly father's affairs. I notified them as the attorney-in-fact and requested his paperwork be mailed to my address in California and not in Massachusetts where he resides. They screwed up the 1099 forms by paying state taxes to California for three years. Even after numerous notices. Do not do any business with John Hancock ever.

Screwed up my father's paperwork several times. Could not get their act together. When it was finally straightened out I get a call a week later saying it was all incorrect. Was a very simple transaction, my mother passed. He was taking her name offhand putting me on as beneficiary to split everything accordingly. I cannot tell you how many times they could not get this correct and this is while my father with living. The sad part is my father worked for this company 35 years so sad to think they royally screwed it up. It wasn’t a difficult job. That was something that was an everyday thing for a large insurance company. Nobody knew anything. I can’t tell you how many times and how many phone calls and how many office visit we made while he was alive.

John Hancock offer mediocre customer service and even worse help if they know you are rolling over your money out. The forms to roll over my 401k are confusing, There is no need for that... the choices are to: 1. roll over my 401k IRA or Roth IRA with John Hancock into another IRA or ROTH IRA account or 2. roll over into another Co. 401k (aka retirement account) from another employer. Two easy choices, it should be straight thru roll over, not complications.

John Hancock let a felon write life insurance, and designated him as a "special agent." He was convicted with insurance fraud. How does an insurance company allow a felon to write for them? Are we assuming they were deficient in their background check? If this is the case, how can anyone trust John Hancock's to be a reliable source for good and honest representation of their products? This lack of recognizing ethical and moral character has given John Hancock a way to abuse the vulnerability of seniors. This is the very lack of action by John Hancock that lead to my parents getting scammed and in essence, robbed of about $4,000,000.

I have had John Hancock for years and whenever I need something answered they are very helpful and I have never had any trouble with them. When you ask them to send you something in the mail they send it right out.

I have been trying for the past several years to get money out of an old IRA that was started over 40 years ago. I've spoken with numerous "representatives" and finally got some paperwork to fill out. I filled it out, got it notarized and sent it last July. Since then I've had no written correspondence from John Hancock. I have called a number of times and was it would be expedited. Called back today, after about an hour of getting shuffled around I spoke with "Jay" who finally told me they would send a form to schedule payments. I pointed out that I had requested a lump sum payment. After another wait Jay came back and told me I had marked the wrong box, the one for annuitization, I point out that what he said was total BS since I had copied that form before I sent it to them in July and "Lump Sum Payment" was clearly marked. I am again on hold...

After changing positions I requested a transfer of my 401K balance to my new employer's plan. John Hancock 401K employee related that to complete the transfer of my 401K plan I had to first transfer my balance into a IRA account with John Hancock and then, and only then could I transfer the funds into a competing 401K (Wells Fargo). In so many words, I told them that that was the most foolish requirement I had ever heard and they responded that it was an absolute requirement. They told me it would be no problem and that the transfer would take effect in 10 business days. I followed the agent's instructions and completed the transfer on the phone.

After years of payment into John Hancock long term care and after many months of delay I hoped that my mom would finally receive funds needed for her expensive care. After many phone calls and many excuses they promised to send funds, after all we had passed all of the hurdles, provided all of her receipts for care. My mom never received a dollar while she was alive, only a few checks arrived after she passed away. Shame on these uncaring and heartless people... save your money in a private account not JH so that when you need funds YOU will control them not scammers like John Hancock.

My late mother-in-law took out two life insurance policies on my late husband in 1949. I didn't know these policies existed until two letters addressed to my late husband arrived at our house. These policies had my mother-in-law as the beneficiary. Which made sense since my late husband was 7 years old at the time. I contacted John Hancock and told them both my mother-in-law had passed (1988) and my husband died in 2013. I asked them what papers did I need to file to claim these two policies? My late husband and I were married for 37 years before his passing. After filing countless paperwork. Sending them proof of my mother-in-law's death. Sending them my late husband's death certificate TWICE. Having our son signing affidavits that he was the executor for my late husband's will and confirming the will was probated in 2013.

paperwork, arguing, calling, faxing... they tell us that the elimination days are the actual days of professional care and not days at our home rehabbing under our care. ONLY THE DAYS that she had Occupational or Physical Therapy, Nursing or Home Aid care COUNTED as elimination days. So our 60 day timeline of care only counted as 25 days per John Hancock. They failed to tell us about the FINE PRINT (notice the use of caps on FINE PRINT) about the days they consider elimination days. BEWARE of John Hancock and make sure your agent... yeah right... the agent knows the scoop on the fine print of these policies. Small wonder insurance companies are making small fortunes these days on the backs of their small print contracts.

I have not had anything to claim yet to rate their claim response, but the customer service on their accounting is absolutely the lowest. I have been paying our premium for both of my wife and my accounts via separated my bank auto payment setup for over five years. In middle of 2016, they changed the address without notifying us. The last three payments got returned due to wrong address. No communication were conducted and both of our accounts then got into inactive status.

My mother passed away in 2013 and had a policy with JH. Myself and my siblings were beneficiaries on the policy and as the executor of the estate I directed each of my siblings to complete the necessary forms so that equal distribution could be made. On July 15, 2016 (3+ years later) I received a letter at my home addressed to one of them that I thankfully opened a few weeks later. Thinking it was just another solicitation or junk mail since I received other such items since mom's death, I was glad that I opened it instead of throwing it away... It was a notice indicating that JH was making a final attempt to reach a sibling and if there was no response by 8-3-16 that the funds will be reported to the state.

Very long hold times and unresponsive w/requests. It's like once you're signed up w/JH long-term products, you are treated like you're stuck w/them so they don't need to impress further. I have some JH VUL products and it has been very unpleasant dealing w/them. It give me no peace of mind.

This company once the leader in Whole Life Insurance has put my family through several days of hours long telephone conversations only to be told that the life insurance policy my deceased sister paid for years did not exist. It turned out that they sold this part of the business to a company in Canada without notifying their policyholders. Shame on them. I rate them below "0" on a scale of 1-10. The aggravation and distress they caused my brother-in-law should be punishable with a jail sentence.

My 85 year old mother has been paying on this crappy long term insurance policy for decades and now that she finally needs it these bottom feeders make it impossible to get reimbursed. Every time I call it's the same bs about how they didn't receive the correct information and it needs to be faxed over again. Even the asst. living / home health care companies are on to their scam. As soon as I told them my mom had John Hancock they said be prepared to fax everything several time b/c they will tell you that they didn't receive it to keep from paying out... and it's true! They should be ashamed for taking advantage of the elderly!

On 6/1/16, I separated from my employer, and within 2 weeks, requested a partial distribution of funds, by calling the number indicated on the website. I wanted to know exactly how to get this done. I was advised to send the forms the person would send me, and write a note on the forms as to what I wanted to do. He advised he would call back to follow up. After a week of no forms and no callback, I called again, and got someone else who was more helpful, and though his information was MORE accurate, it was not complete. I did as he indicated, and fortunately, after another week, someone called me from JH to explain what I needed to do.

For more than 2 months, representatives with John Hancock misidentified my sister and I as beneficiaries of our deceased father's life insurance policy. We gathered all of the requested paperwork and sent them all they asked us to send. After 2 months, we were told that the policy had been amended more than 25 years ago and we were not the beneficiaries. They had overlooked the addendum submitted to them in 1988! Appalling incompetence!

The customer service of John Hancock leaves a lot to be desired so much so that I closed an annuity, that generated a monthly income stream, which I opened on 11/27/2007 and terminated on 08/25/2015, as I could no longer deal with their inefficiency. Depending on whom you are connected to at customer service in the US or the Philippines, where they outsource, the answers are never the same from rep to rep and/or answers are wrong and/or incomplete or they put you on hold for "a second" which translates into 5-10-15 minutes or more. I am an American expat that happens to live in Asia where 1-800 numbers do not equate to toll-free which means I am paying for calls to solve issues or ask simple questions. JH unlike the 8 other annuity companies that I deal with "are not permitted" to make overseas calls.

I am trying to get reimbursement for my mothers Long Term Care policy. Her policy required that she pay the first 6 months which she has done and that the policy would start reimbursement beginning at the end of the 6 months. This all began in Feb. 2015. The reimbursements should have begun August 2015. To date no reimbursements. 5 months now I have been trying to deal with John Hancock. I get the run around dealing with call centers. I cannot get anyone to look at the case and talk to me. Very frustrating. When I ask for a local rep I'm told there are not agents or reps. Really, If I wanted to BUY A NEW POLICY I'm sure an agent would be available. Now sending an entire history to the state insurance commissioner to ask them to help me out.

The initial application process is much easier than you would think, and every member of the staff treats you respectfully and makes you feel like family. They show you how much they care about your family's future, and you will never feel so confident and secured that you have taken steps to support your loved ones no matter what the future holds.

Father passed in 2008 - 7 years later I find out that he had a policy. I presented all the required documents, and each time I have called customer service - I keep getting the runaround. It seems that literally they are ending my phone call while I am still speaking. At one point I even asked to speak to a manager, and the customer service person did her best to rebuttal me being able to speak to someone. I can appreciate that the several reps I have spoken with offer their condolences; however not responding to my questions and giving scripted answers has been extremely frustrating. The key to this, is (again) I have submitted all the required documents and today I was still told that it would be another 10-14 days to find out anything. My advice, check with the companies that you have life insurance with and make sure they run a customer service team, that can actually provide answers to your questions.

I have had this policy for years, I have never had any issue. We recently reviewed the policy to make sure it is correct, and accurate. Made the necessary changes according to my change in ages from when it started, to my current life situation. My original agent started as the father, and now the son/daughter are running the business.

Worst customer support (especially for financial & wealth management) in the industry. I have used Schwab, Fidelity, Prudential, eTrade, and Chase in the past and used them as comparison. At John Hancock their call center is 100% based in Philippines at all hours of the day & night. The call reps don't get measured on answering questions accurately, or providing any amount of customer service, rather only on speed of answer. THAT'S IT! They were of no help at all.

I have had this insurance for over 30 years and am happy with it. The benefits are great and the investment grows quickly. If I have any questions, they are answered in a timely manner. I also have a representative who lives in my town and is very easy to work with.

On 10/23/2015 I went to my agent to fill out surrender forms to cash out this policy. So I check it out by calling John Hancock, the forms were fill out wrong. Then went back to him have the check direct deposit to my bank on 11/9/15. My has lung cancer. I need money to pay medical bills, they said it's processed and on its way. I think we need to ask. If I would, I die. My wife have this much trouble get money from this company because they got promise out of my bank.

I have not had any major issues with my life insurance company but I wish they gave you the option of doing more things online. Calling them is hard because you are kept on hold for a long period of time and I have more important things to do than spend a lot of time resolving problems.

I had to roll over another account from a different job. I thought it would be a long process but the staff were so friendly and knowledgeable that it was done very quickly and easily. The entire process was very well explained! I would definitely recommend them to everyone looking :)

I have had insurance with John Hancock for the past 15 years. I switched from another insurance company to them because they offered me the most for my money as well as cash investments. To simplify matters relative to premiums, I have them deducted directly from checking account monthly so that I do not have to concern myself with late payments. The company provides me with monthly statements that gives me all relevant information such as policy values, advances in stocks associated with the policy. It has a website where I can go and get answers to all of my questions. To date, my relationship with the company has been excellent and I would recommend them to anyone who needs insurance.

I have had my policy with them for 35 years and am very happy with them. My death benefits has doubled and my cash value is about 30 percent more than I have actually put in. I bought my son a policy when he was an infant for 50,000 and is now worth about 10.

Several years after becoming disabled I had many questions about my policy. This was because I did not originally remember that I had a disability clause in my policy that would enable me to stop paying my monthly deductible. Instead this cost is actually absorbed by the insurance company throughout my disability, which is diagnosed as a lifelong disability. They were extremely helpful and guided me through the paperwork and nuances of my policy. I knew they had my best interest at heart and I was incredibly grateful.

My policy is provided through my employer. Our representative with John Hancock has made himself available to my husband and I for any questions that we have had. Very soon we will be inquiring about more coverage and I know that our questions will be answered fully and in a timely manner as they have in all of the past interactions we have had.

2009 my mom passed away, she & my dad have had Hancock life ins. since 1959. Dad turned in her ins. policy & was told she had taken a loan on the policy & they would take the balance due from his claim. Mom never took a loan from that policy even though they took over $3000.00, it's now 2015 & Dad is still receiving a bill for $3837.77. When I speak to them about this they say it's got to do with increased rates (their rate was locked in 1959). Also, this is the hardest company to find a phone # to speak to an actual person, all their business is done by mail... Why so hard to contact, is it their under-handed way of doing business - would not recommend this company to anyone!

For the last few years, I had individual long term care insurance policy with this company that I allowed to lapse due to financial difficulties on May 10, 2015. I had purchased this policy from Donald ** at the Sarasota FL office on cattle ridge Drive. When my agent D. ** found out about the lapse, he immediately tried to sell me on a different type of insurance policy that he told me would be both life insurance and also disability insurance (the name on the policy is: flexible premium universal life insurance). I told him at that time that I couldn't afford this policy right now because of my financial situation, nor that I needed life insurance because I have no dependents. He said this was also disability insurance. So he pushed on and told me, "let's just see if you can even qualify for this policy first and then you can decide later if you want to enable it."

I filed a claim as a beneficiary on a life insurance policy held by John Hancock on my mother. I filled out all the forms sent to me and sent them back registered mail, return receipt. I was told the claim would take approx 10 days. I called back in two weeks when I received no update on the claim. After a lot of confusion and contradictory information about the processing of the claim, I was finally told the claim had in fact already been processed and the check mailed.

My mother has paid on a policy for more than 20 years. After my father passed, I had to place my mother in a facility in March 2014. John Hancock did begin to reimburse me for their portion. After moving her back to her home in March 2015, I pay for her 24-hours care for the final stage of Alzheimer's. John Hancock refuses to reimburse me for the amount that they pay, even though the received paperwork indicating that mother is on hospice.

The company wants $6000 per year to maintain the policy yet the planned payment is $2200. I agreed to pay $3000 per year to maintain the policy (I am now 72 y/o). So why am I angry? They "borrow" the difference from my $100,000 FV policy, CHARGE ME 5% interest on that "loan", and then REDUCE the $100,000 death value by roughly $3000 per year (ie, 100K becomes 97K, then 94K, etc.). Bottom line: I am required to pay them money but they reduce my policy and charge me interest. I am stuck between a rock and a hard place - do I continue paying premiums to keep the $100 policy (reduced each year) in effect for my wife for when I die, or do I simply cash it in for the accumulated cash value, because there will (if I live long enough) come a time that I will have paid more into the policy than it is worth. Any suggestions? Thanks for letting me get that off my chest.

I have two policy with this company, paying premium over 15 years. About $4000 yearly. Now I have cash value of over $50,000. I needed some cash, so I called to withdraw some cash (not all of them). They will not let me withdraw the cash value. They push for a loan with 5% interest. Why do I make loan to my own money? Why pay interest to them? I have two more policy with Metlife. They were great!! I cashed my cash value and keep my policy in force. Why can they do that?

Called in, waited through the annoying phone prompts to talk to customer service. I just needed the plan address that is required for rolling over to another account. What happened was endless sales pitches and no address. Finally the representative told me he could give me John Hancock's general mailing address. Which is absolutely ridiculous. Was a slap in the face. I wish the same for them.

My father has been in and out of the hospital most of this year. In trying to establish the 100-day elimination period, it's been a nightmare dealing with this company. The 100-day elimination period is like a yo-yo. The elimination day's actually go up and down. My parents have been paying into this fund for 30 years and this service can't go unpunished. If anybody out there is willing to work with me to sue this company, I'd be interested and can be contacted at **.

My father (who passed Oct 2014) opened a Life Ins. policy with JH in 1977 and named his 3 children as beneficiaries. I am the youngest child and dumbfounded at the results. I have no idea the dollar amount of the policy when opened or how much my dad contributed over the years. However, JH indicates that it was a $15.00 policy. In 37 years, it earned $18.00 in dividends which equals a value of $33.00. We each received a check for $11.00. What the hell is that? My father was a math genius, taught math, & invested. He would not have a policy of such nonsense for 37 years. How can we figure this out... did his agent embezzle money (who was his friend and now is in a nursing home with Alzheimer’s) or how do we find exactly what went on with the policy? This is a joke and my dad wouldn't have done this to us.

I was giving a prospectus 23 years ago and since then John Hancock has sent many proxies to my home changing everything that I originally signed up for and the cash value is nowhere close to what the woman who push the policy and told me no information sheet that at 4% this is how much money I would have after 20 years in the policy. They will end up changing everything to do with the policy and I am NOT even one third of what was supposed to be there at 4 percent interest and she explained to me over the past 20 years John Hancock was paying over 11% so I find this miscarriage of justice and I believe fraud was perpetrated.

I am disappointed in many aspects of conversion of a policy to whole life, including use of my checking and draft to it. I would hope that my best interest would have been primary. Not just sale of policy. A long story but it has not been a pleasant transition. I expect organized, accurate, efficient, professional work. The Ability to speak to Corporate Offices to ensure better service. You are nowhere without customers. Respect them and take care to provide the best possible service. Based on my experience I would not recommend this company. I have been a long long term customer and user of JH!! I expect more.

Deceased father's pension was handled by John Hancock. Worked at Abex Corporation. Sat in account for nearly 30 years. We did not receive any interest on this $168000.00 amount, seems we are due some interest money on that amount. Took years to get that amount released. Can you help. Seems unfair. Any assistance helpful.

They, John Hancock, took my pension check I receive every month back! After they had already put it in my account on the Dec 25 2014!!!! 5 days later I have paid my bills and used my money then today I use my card - no money in my bank acct!!! What! I've been hacked I thought. I run to my bank but no, it was John Hancock who took my check back that was in my acct for 5 days!!!!! This has to be a crime, this is wrong!!! How can they get away with this!! So I call them, they say "oh we paid our check too early!!! So now we took your funds back till Jan 2!!!!" Bull!!! This is their mistake and now I am broke with fees to my bank!!! They should not get away with this!!!!

My mother in law has been trying to surrender 2 of her policies. She is 84 years old and has many health problems. My husband and I have been caring for her for 2 or more years. She has a house and does not want to lose it to back taxes and so she decided to surrender 2 of her policies. For 7 weeks since they sent us the paperwork for her to fill out they have jerked her around, me and my husband. I faxed the paperwork from my job 15 to 20 times. They say wait 24 to 48 hours before it is in the system for them to tell us whether they got it or not. When we call they say they are missing something. Conflicting stories and the rest is absolutely B.S. 84 years old and they are treating her as if she has no right to the money. We called the insurance commissioner today and filing a formal complaint.

In response to my complaint, I finally had an agent in Nassau County call me to explain how the dividends work. It seems that the 3 1/2% is only given on your dividends that you allow the company to hold! It is not given on the cash value of the policy! The amount of dividends you receive is based upon their decision and how the market is doing.

I have a contract to sell a number of John Hancock annuity payments, submitted on September 24th. According to John Hancock, the transaction would be completed within 20-30 days maximum. A similar transaction was carried out on three previous occasions, each one also handled in a slovenly, unbusinesslike manner. To date, no one in their Structured Settlement Division will provide information as to the status of this transaction. They will neither return phone calls nor speak to me or DRB Capital on the phone. I advised them via Certified Mail in September that this was a medical emergency and to please expedite the process. The letter was never acknowledged and the paperwork remains unfinished.

In 1998 my wife passed at age 27, John Hancock asked for a few documents which the hospital provided. I was issued an immediate payment of 5000 within 3 days. Issued me 2 checks after in amounts that I requested to cover remaining balance. I was in the U.S. Army at the time and needed cash to get from Washington State to Vermont to bury my wife. John Hancock took care of my needs tenfold. I would not hesitate to refer people to this company. I had life insurance with them also for years but lost track and it has surely been cancelled. But that is of no fault of John Hancock. I may look to them again for insurance in the future. Thanks for your help John Hancock....

I was contacted by this John Hancock Insurance Company 6 months ago about funds from a policy from my grandmother that were going to be released to the state. I spent 6 months of my time and almost $200 assembling all of the paperwork and death certificates required. After 6 months, I received a letter telling me these funds reverted to the state in 2005, 9 years ago! I don't understand how this company tolerates such incompetence. Obviously it's too late for me to receive these funds, but it should not be too late for these incompetent employees to be reprimanded or worse. They initiated this contact, corresponded with me 6 or more times in writing and by phone, and they did not bother to check and see that the funds were not available. They should be ashamed to have such incompetent workers employed by John Hancock.

My mother is now in assisted living, since early April of 2014. She has been paying into JH for at least 30 years and they have amassed nearly $100,000 in payments from her. The requisite 100 days passed in assisted living, and yet the insurance payments did not start on time. After several complaints they paid for only one month, then stopped, for no reason and with no explanation. I now have to have my lawyer take over to get the payments that are due. My mother is fortunate that she has my brother, myself and a lawyer to get the money owed to her by JH. It makes me wonder just how many hundreds of older adults without the support my mother has get scammed by this company.

I lost my mother in June 2013 who was John Hancock Life Insurance policyholder. As her legal executor, I provided the company her death certificate (with county seal) to process her policy. The benefits were paid shortly thereafter. My 82-year-old visually impaired father named my mother as the secondary contact for policy change information. JH continues to deliver correspondence regarding my father's policy to my mother's former address despite acknowledging that she has passed. They argue that my father must write, sign, and send a letter to JH to have my deceased mother's name removed from his policy records. Regrettably, my father will under corneal surgery tomorrow and is simply unable to provide this documentation.

J.H was quick to get their necessary forms to me, that was the end of the promptness. A nurse assessor was supposed to have called and seen my spouse prior to Long Term admission, never told this by J.H. or had any contact with same until I started making waves. Claim Information that I sent all together in one large manila envelope was received by Ins. Co, but J.H. could only find bits and pieces of paperwork. I finally convinced the Claims rep. that if had form X then also had to have form Y as both sent at same time in same envelope. Sounds like left hand doesn't know what right hand doing.

I am glad my parents prepared financially for their health care needs. I am also glad that John Hancock has reimbursed consistently without issue. The issue arose when I attempted to set up assignment of benefits to my father's care provider. We needed to have payments go directly to the provider. Been working on this process for 4-5 months now. The required documents were submitted. Each time I called they said they did not have the documents. Resubmitted them 3 times - faxed, mailed, emailed. No one seemed to care or realize that there may be an issue on their end regarding the missing document.

I am a weekend care giver for a client of theirs. I have not been paid for 3 months. Every time we call to check on what's going on, we are told something different. I have worked for this lady for over a year. Now, all of the sudden, there is an issue. But nobody seems to know what it is. Very frustrating and unprofessional. GET IT TOGETHER JOHN HANCOCK.

John Hancock refused to honor my claim for my Grandfather's trust: I am writing you today to officially document my findings on a trail of black money and super bills as well as war accounts dating back to 1777. Over the last 250 years, multiple individuals and companies to include banks, government officials and even past presidents have been stealing from funds either unclaimed and from deceased individual with pensions and life insurance policies never given to family members of the deceased. Documents and funds have been transferred via NH deeds for over 200 years based on the evidence I have found.

In May 1997 at age 54, I purchased a Flexible Variable Life Insurance Policy with John Hancock. I was given paperwork that showed I would be paying annual premiums of $2,276.00 for 15 years (to age 69); after that time, NO premiums would be required ("assuming gross rate of 12%" was in the small print). Now at age 70, I get a bill for $6,149.24 from JH stating that I must pay this new amount annually in order to maintain my $100,000 policy.

I called JH the other day and they said they couldn't find the policy for my recently deceased grandfather. I gave them the policy number that I have, the ssn#, but nothing came up. I have the original paperwork that was issued to him in 1941. It would be nice if they had a data base that could keep this information. Even if the policy was cashed out it would be nice to know that. Any information would be helpful. I checked on unclaimed property but nothing came up under that too. Any other suggestions out there?

My father died in 2005. Last year, John Hancock notified my sisters and I that we were due a death benefit. They sent us each a check. However, they sent a 1099 to one sister under my father's name for the total amount payable with a distribution code of 7 (normal). The estate has been settled since he had passed away in 2005. We have requested an amended 1099, one for each of us with a correct distribution code of 4 - death. We're just getting the runaround.

I have been trying since the first week of January of this year to cash out my 401K. I asked several times for them to send me the paperwork to do this. I waited for over a month and had called several times over requesting it. I was even told it was going to be overnighted and 5 days later, they said it was sent and gave me a tracking number which ended up to be a bogus tracking number. I finally had to go to a mutual investor that deals with Hancock to get the paperwork from via email. I submitted the paperwork on February 4th and was confirmed by Hancock it was received. I was then told my funds would be available the following Monday. This never happened.

This is about my Mom Joyce, who had a life insurance plan for over $20,000. John Hancock told her they were changing the name of their business so they had to increase the amount she was already paying on her insurance. She told them she couldn’t afford it, so they bought her out by keeping everything except a $900.00 check. What a rip off, but my mom is not the type to fight for her rights so they took advantage. The reason I’m writing this is because I’m hoping someone can give me info on how to help my Mom get at least half her money back.

In 1987, I bought an $800,000 lifetime annuity from Manufacturer's Life which is now John Hancock. Recently, I needed some information with regard to my monthly payments which are supposed to change this month. I placed several calls to their annuity service department and each time, I had nothing but problems. First, they couldn't find the account. Then when they finally found the account, they couldn't answer a single question about it. Two weeks ago, the representative indicated that someone would call me back. No one called. I called twice again today and was told that they would mail me some information and "if I didn't receive my correct payment, call back in a few weeks". This is an unacceptable way to handle a client who wrote a check for $800,000! I am writing a similar letter to the President, Craig Bromley, and to the head of the Annuity Division, John Vrysen. My advice to anyone looking to buy an insurance product is to not deal with John Hancock unless you are prepared for anger and frustration.

I found an endowment policy for my grandfather taken out in 1945. He passed away in 1992. I went to claim the policy which is faced value at $500. They told me that over the 54 years, it has only collected $16.01 in interest. Can that be true?

They are a bunch of crooks. I tried to cash in my account and they told me that there were mistakes on the old paper work and that they have to freeze my account. I am now waiting to get a lawyer to get my $26,000 back. Please do yourself a favor and stay away from these people.

I purchased a policy in April of 2010. After paying premiums for just over one year, they informed me that they are submitting for a rate increase of 37%. They say that this is due to changes in their claims experience. It is ridiculous to think that their research and data could be so poor as to require a 37% rate increase after just one year. I believe that they knew such an increase would be required when I purchased the plan, or they are reconstituting their data to justify a rate increase because they are concerned about the performance of their investments that must finance these plans. Either way, I feel I was misled when I purchased the plan, and I am now being defrauded by this company.

Life Insurance policy on my father who is now 77 years old. I had been paying 269.01/mo since 1992. In May 2009, I was notified that I needed to make a payment of 1,26.23 in order for the policy not to lapse. Then, once I had paid that, I was told that in order to keep the insurance, the premiums was going up to 823.00/mo. Since I could not afford it, the insurance lapse. This was a flexible premium adjustable life policy. None of the representations made were true.

This is the third time I am dealing with John Hancock annuities. Their legal department has been processing an assignment request for 3 weeks when it was supposed to be done in 10 days. They will now allow customers to speak to their legal department and refuse to give an answer as to when the documentation will be completed. I paid $850,000 in cash for this annuity and when I need service, I can't get it. It's a horrible company to do business with. Never buy their products unless you want to be kicked around and treated poorly.

I have a Life Insurance policy that I had since 1983. Well in 2008, I borrowed against the said policy to have money to live on. I was supposed to pay it back with 6.5% interest. But then, my income went to nothing. So I called John Hancock and one of the customer service employees said I could do pay up Life Insurance and would not have to make any payments or premiums. So I did that on 11/1/2008. I signed the form and sent it back to them. I was sent a letter telling I would be getting a bill and just to not pay them.