Demonstrated financial strength
Selecting any financial partner requires a great deal of evaluation. This is especially true when you purchase a product with a long-term obligation such as life insurance. You want to feel confident that the company you choose can provide the security, experience and professionalism required to meet your needs.
With over 150 years of experience, John Hancock's demonstrated strength and stability is reflected in its strong financial ratings, as judged by the major rating agencies. This is important because these financial ratings reflect the life insurance company's ability to pay claims in the future.
Financial strength ratings, which are current as of November 30, 2013 and are subject to change, apply to John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York as a measure of each company's financial ability to pay claims and to honor any guarantees provided by the contract and any applicable optional riders. The ratings are not an assessment or recommendation of specific products, policy provisions, premium rates, performance of the products, the value of any investment in these products upon withdrawal, individual securities held in any portfolio, or to the practices of the insurance company. Financial strength ratings do not apply to the safety and performance of separate accounts.