This Website is proprietary to Manulife Financial ("Manulife"). If you wish to access and use this Website (the "Site"), you must accept and agree to be bound by and comply with these terms (the "Terms"). If you do not agree to these Terms, then you must refrain from accessing or using the Site. All Terms will apply irrespective of the specific use made by Internet users of this Site. 


Site content

The information contained on the pages of this Site is subject to modification and update from time to time without notice. Manulife does not guarantee or ensure either the accuracy, completeness, currency or authenticity of any Site content, Site functionality, or your transmission of any Site content from the Site to you.


Certain aspects of the Site have been prepared by persons independent from Manulife. Other World Wide Web sites that may be accessed from this Site by hypertext links are entirely independent of the Site. The inclusion of any site acknowledgments, identification of any person or entity in the Site, or any hypertext link to another person or entity shall not, in any manner, be construed as an endorsement of such person's or entity's World Wide Web site, products, services, or contributions to the Site.


Other World Wide Web sites which may provide access to this Site by hypertext links are entirely independent of this Site. Any direction by a third party to this Site shall not, in any manner be construed as an endorsement by Manulife of such party’s World Wide Web site, products or services.


All images are all rights reserved, and you must request permission from the copyright owner to use this material.

Use of the site


You acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Site cannot be guaranteed and you acknowledge that your use of the Site (including information you transmit to the Site) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Manulife shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.


Intellectual Property Notice

Names, phrases, logos, icons, graphics, images or designs used throughout the Site may be trade names, registered or unregistered trademarks or services marks ("Trademarks") of The Manufacturers Life Insurance Company, its subsidiaries or affiliates. The display of Trademarks on this Site is not an implied license to any third party for use of the Trademarks.


All information on this Site is protected under copyright laws. Except as provided on this Site, no one has permission to copy, redistribute, reproduce or republish any information found on this Site, which includes uploading or downloading without the prior written consent of Manulife.


Any retransmission or alteration of Trademarks or other form of unauthorized copying may be a violation of the law and such users may be subject to legal action.


Copyright©, 1996-2004, The Manufacturers Life Insurance Company. All rights reserved.
Copyright©, 1996-2004, John Hancock Life Insurance Company (U.S.A.). All rights reserved.
i:contributionsTM is a registered trademark of John Hancock Life Insurance Company (U.S.A.)
i:evaluatorTM is a registered trademark of John Hancock Life Insurance Company (U.S.A.)
enduring promisesm is a servicemark of John Hancock Life Insurance Company (U.S.A.)

Governing laws

The laws of the Province of Ontario and the federal laws of Canada applicable therein shall govern as to the interpretation, validity and effect of this Agreement and any use of the Site. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario in any action or proceeding instituted under or related to this Agreement or your use of the Site.

Group Benefits Card Disclaimer

Information specific to Affinity Markets

All information in the Affinity Markets Web pages, including rates, is subject to change without notice. The products described are available and intended for distribution only in Canada. Manulife, its agents, employees, directors, officers and affiliated companies shall not be liable for any damages caused to any person as a consequence of the use of this Site. The use of this Site is entirely at your risk. Many terms used in this Site are defined terms in the certificate or policy of insurance in relation to Affinity Markets products. In all circumstances it is the terms of the actual certificate or policy of insurance which shall govern. Reference should be made to the actual terms of the certificate or policy of insurance.

Information specific to Group Annuity Contracts

Group Annuity Contracts are issued by John Hancock Life Insurance Company (U.S.A.).


The following publicly available information is available upon request:


National Association of Insurance Commissioners Statutory Annual Statement with Exhibits, General Interrogatories, and Schedule D, Part 1A, Sections 1 and 2 and Schedule S - Part 3E; Rating Agency Reports on the financial strength and claims-paying ability of the insurer; Risk adjusted capital ratio; Actuarial opinion of the insurer's Appointed Actuary certifying the adequacy of the insurer's reserves.

Information required by the State of California

For group annuity contracts and individual life insurance products:


Name of company authorized to do business in the state: John Hancock Life Insurance Company (U.S.A)


State of domicile: Michigan


Principle place of business: Boston, Massachusetts


California certificate of authority number: 5810

Information specific to the State of Massachusetts

The following companies are authorized to do business in Massachusetts:


John Hancock Life Insurance Company (U.S.A.) (statutory home office) 38500 Woodward Avenue Bloomfield Hills, Michigan 48304


(principal place of business) 601 Congress Street Boston, Massachusetts 02210

The Manulife Asset Management Disclaimer

You acknowledge that past performance is not an indicator of future returns and that references to performance on this Site are provided as historical benchmarks only.


You are responsible for ensuring that you are appropriately informed about any securities, taxation or other legislation or law that could affect your investment decisions.