Frequently Asked
We provides the following as a reference to anyone who is interested in life insurance. While we have made all attempts to provide accurate and complete explanations, these may not be completely representative as conditions may vary according to the peculiar needs of individuals. As such, the opinions expressed here are not to be construed as a basis for contractual formation nor as technically complete statements nor as legal definitions.

This is written from the insurance buyers' point of view. It is not meant for students of life insurance. Thus, most of the explanations are in lay-man terms and do not include all the legal fine points. Readers are also encouraged to check with their insurance agents or insurers before investing!

If you wish to obtain further clarifications, please contact your life insurance agent or call your life insurer. Those who do not have any life insurance agent or who are John Hancock customers may contact us.

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