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About  John Hancock Life & Health Insurance Company

About John Hancock Life & Health Insurance Company

About John Hancock
John Hancock Life & Health Insurance Company provides the insurance coverage for the Federal Long Term Care Insurance Program (FLTCIP). Long Term Care Partners, LLC, a wholly owned subsidiary of John Hancock Life & Health Insurance Company, administers the FLTCIP.

John Hancock is a subsidiary of Manulife Financial Corporation, a leading Canada-based financial services group with principal operations in Asia, Canada, and the United States.1 Operating as Manulife in Canada and Asia, and primarily as John Hancock in the United States, Manulife offers clients a diverse range of financial-protection products and wealth-management services through its extensive network of employees, agents, and distribution partners. Assets under management and administration by Manulife and its subsidiaries were CAD $935 billion (USD $676 billion) as of December 31, 2015. Manulife Financial Corporation trades as "MFC" on the TSX, NYSE, and PSE, and under "945" on the SEHK. Additional information about Manulife can be found at

The John Hancock division, through its insurance companies, comprises one of the largest life insurers in the United States. John Hancock offers and administers a broad range of financial products, including life insurance, annuities, investments, 401(k) plans, long term care insurance, college savings, and other forms of business insurance. Additional information about John Hancock can be found at

Strong financial strength ratings2

Ratings are a comprehensive measure of financial strength. Manulife and John Hancock have strong ratings from the following rating agencies:

Ratings Agency Manulife/John Hancock
A.M. Best A+
Fitch AA-
Moody's A1

The financial strength ratings apply to the main operating companies of Manulife Financial Corporation including the Manufacturers Life Insurance Company, John Hancock Life Insurance Company (U.S.A), John Hancock Life & Health Insurance Company, and John Hancock Life Insurance Company of New York. All ratings are current as of February 29, 2016.

Note: The ratings refer only to the overall financial status of the company and are not recommendations of specific policy provisions, rates, or practices of the insurance company.

1 U.S. Division (John Hancock) consists of John Hancock Life Insurance, Long-Term Care Insurance, Investments, Retirement Plan Services, and Annuities segments.
2 Manulife. "Credit Ratings," February 29, 2016, (accessed May 2016).


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Federal family members can apply for coverage anytime—you do not have to wait for the next open season. Premiums are based on your age and the premium rates in effect at the time we receive your application—the younger you are when you apply, the lower your premium will be.

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