John Hancock Long Term Care

Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.)197 Clarendon Boston, Boston, MA 02117 (not licensed in New York) and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02117


John Hancock is a unit of Manulife Financial Corporation, a leading Canadian-based financial services group serving millions of customers in 19 countries and territories

See What John Hancock Long Term Care And Our Insurance Brokerage System Has To Offer!

Long term care insurance is coverage that provides valuable support and financial resources that help cover the cost of long term care one might need in the event of an illness, accident, or through the normal effects of aging.  John Hancock is a leading long term care insurance company for families, associations, and employers, and is dedicated to providing dependable financial security solutions.

LTC insurance from John Hancock, visit their website.


John Hancock
Address1 PO Box 111
Address2 -
City Boston
State MA
Zip 02117-0111
Phone Number N/A
Fax Number N/A

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent brokerage agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.


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