John Hancock agents offer term and permanent life insurance, long-term care insurance, and travel insurance, states the agency. Generally, term life insurance policies pay death benefits if the insured dies during the specific coverage period. Permanent life insurance policies have a cash value and guaranteed lifetime death benefit payments.
Long-term care insurance protects an individual's assets by covering the costs of care for aging, illnesses or accidents, explains John Hancock. Travel insurance covers costs that occur in the course of interrupting or canceling a trip due to unexpected situations. Travel insurance plans cover incidents such as weather conditions, missed connections, accidents or illnesses, strikes, or travel supplier defaults.