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John Hancock Mutual Life

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With a clear focus on meeting the needs of consumers today and tomorrow, John Hancock is a market leader in key insurance and investment product lines. By leveraging ongoing product innovation, knowledge and experience, their strong brand and a broad and powerful distribution system, they are continually seeking to better serve their customers. As always, the company also takes a disciplined, financially conservative approach to growth, maintaining a diversified product portfolio and the essential elements of sound but conservative asset management.
The Company is a subsidiary of Manulife Financial, a leading Canadian based financial services group serving millions of customers in nineteen countries and territories worldwide. The Company offers clients a diverse range of financial protection products and wealth management services through its extensive network of employees, agents and distribution partners.
At the company, they value individuals for their bright minds, unique talents and diverse backgrounds. They have long recognized that providing equal employment opportunities for all individuals is more than a legal requirement, it supports their commitment to promote workforce diversity and create a climate which fosters employee growth and development. The Company is the US division of Manulife Financial Corporation, a highly esteemed global enterprise based in Toronto, Ontario. Manulife is the world's fourth largest and North America's second largest, life insurer by market capitalization as of 31st December 2005.
It's life insurance that you pay for over a specified length of time or term, generally one to 20 years. The amount of the death benefit or face value can be selected to meet your needs. Premiums or payments which can be the same amount or increase over time must be made monthly, quarterly, semi annually or annually. If you die during the term of coverage, the face amount of your policy will be paid to your beneficiaries.
Universal life is permanent insurance, which has the potential to accumulate cash value. However, it offers additional features and options as well. Life Insurance is more than just paying premiums to an insurance company and the payment of a death benefit to your beneficiaries. It can also be used to achieve different financial goals.

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