Terms & Conditions

Starr Indemnity & Liability Company, New York, NY is the underwriter/insurer obligated to the insured. This product is distributed by John Hancock Insurance Agency, Inc. which acts only as an agency/distributor and is not the underwriter/insurer obligated to the insured for the benefits provided by this product. John Hancock Insurance Agency, Inc. is a subsidiary of Manulife.

Privacy Statement

John Hancock Customer Privacy Notice - click here.

John Hancock Statement Regarding Online Privacy

Your trust is important to us. It is one of our most valuable assets. One way we earn your trust is by protecting your personal information. We will only use your information to do business with you, and as permitted or required by law. We will not sell your information or share it with third parties for marketing purposes.

With that in mind, this Statement Regarding Online Privacy describes how we use the information we collect from visitors to John Hancock websites, social media sites and mobile applications. This Statement Regarding Online Privacy is effective as of March 10, 2014.

To learn more about how we protect information that is collected when you apply for a John Hancock product or service, and how you can review and request changes to that information, please refer to our Customer Privacy Notice.

Do Online Sites and Mobile Applications Require Visitors to Provide Personal Information?

Most of the information about John Hancock’s products and services can be accessed without providing personal information such as your name, email address, Social Security Number or account number. However, our secure sites do require personal information, such as a contract number, email address, Social Security Number or password to assure only authorized persons access customer account information.

The information you provide will only be used to transact business with you or respond to your request for products or services. It will not be shared with third parties for their own marketing purposes.

Information Collected during Website Visits

Like most online sites, ours may automatically collect information about your computer hardware and software which may include your browser type, operating system, access times and your IP address. This information is often contained in “cookies” that filter the content we present to you to make it easier to navigate the site, for example, to filter content based on your state of residence, and to help us determine which parts of our sites people are visiting.

Data that tracks use of our websites, tools and features is typically collected by a contracted third-party service provider acting on behalf of John Hancock. The data is collected in aggregated form only, and not used in a manner that will allow us to identify you.

Third parties may not collect personal information about your online activities over time and across different John Hancock web sites or online services for their own purposes.

Do We Honor Do Not Track Signals?

This website does not have the ability to respond to Do Not Track signals sent from your browser or mobile device.

How Do We Protect Your Information?

We employ technologies intended to safeguard the transmission of your personal information over the Internet. A “secure connection” is established using Secure Socket Layer protocol (SSL) whenever you send or receive data. SSL scrambles your information as it travels over the Internet from your browser to our secure web server. This protocol is supported by almost all modern web browsers.

We also utilize a timeout feature on most of our online sites. This feature automatically logs you out of your account after an extended period of time.

Be Aware of Phishing Emails

John Hancock will never send an unsolicited email to you asking you to verify or update your personal or account information. If you receive an email that appears to be from John Hancock and it asks you to respond by providing personal or financial information, do not reply or click on the link. Instead, contact John Hancock directly to confirm the legitimacy of the email.

Information Collected from Children

Our products and services are not marketed to minors, and we do not knowingly collect information from anyone under the age of 13.

How Can You Contact Us With Questions or Comments About Our Online Privacy Statement

If you have a question or comments about this Online Privacy Statement, email us at privacyquestions@jhancock.com, or write us at:

John Hancock Financial Services
Attn: John Hancock Privacy Office
PO Box 111
Boston, MA 02117

Confidentiality Protocol

Confidentiality Protocol for Victims of Domestic Violence/Endangered Individuals

New York Insurance Law § 2612 provides victims of domestic violence with certain protections including prohibiting an individual, insurer or entity supervised by the New York Department of Financial Services, solely because a person is or has been a victim of domestic violence, from:

  1. refusing to issue or renew, deny or cancel any insurance policy or contract;
  2. demanding or requiring a greater premium or payment from any person;
  3. designating domestic violence as a preexisting condition for which coverage will be denied or reduced; and
  4. using as an underwriting criterion the fact that a person is or has been a victim of domestic violence.
New York Insurance Law § 2612 also requires that certain insurers establish procedures to protect and limit access to certain personal information related to a victim of domestic violence.

New York Insurance Law § 2612 provides that, if any person covered by an insurance policy delivers to the insurer a valid court order of protection issued by a court of competent jurisdiction in New York State against the policyholder or other person covered by the policy, then the insurer is prohibited for the duration of the order from disclosing to the policyholder or other person the address and telephone number of the insured, or of any person or entity providing the covered services to the insured. If a child is a covered person, then the right may be asserted by the child’s parent or guardian.

New York Insurance Law § 2612 also requires a health insurer, as defined in that section of the law to include an accident and health insurer, to accommodate a reasonable request made by a person covered by an insurance policy to receive communications of claim-related information by alternative means or at alternative locations if the person clearly states that disclosure of the information could endanger the person. If the covered person is a child, then the right may be asserted by the child’s parent or guardian. The law further provides that, except with the express consent of the person making the request, a health insurer may not disclose to the policyholder: (1) the address, telephone number, or any other personally identifying information of the person who has made the request or child for whose benefit a request was made; (2) the nature of the health care services provided; or (3) the name or address of the provider of covered services.


Procedure to Make a Request:

To submit a valid court order of protection and/or a request to receive communications of claim- related information by alternative means or at alternative locations to Seven Corners, please use the office address or the email address listed below.

  • Seven Corners Inc.
  • Attention: Privacy Officer
  • 303 Congressional Blvd.
  • Carmel, IN 46032
Email: Privacy@SevenCorners.com

Please include:
  1. policy information if available;
  2. any alternative address, telephone number or other method of contact; and
  3. a valid court order of protection issued by a New York State Court and/or a statement that disclosure of claim-related information could endanger the person seeking confidentiality.

To revoke a request, please also include a sworn statement that confidentiality is no longer necessary.

NYS Domestic and Sexual Violence Hotline:

For further information about domestic violence, you may contact the NYS Domestic and Sexual Violence Hotline by calling 1-800-942-6906.

John Hancock Insurance Agency, Inc., is a Delaware domiciled corporation with its principal place of business at 197 Clarendon St. Boston, MA. (California license number OH37453). The policies described herein are underwritten by Starr Indemnity & Liability Company, a Texas domiciled corporation (NAIC Company Code: 38318; TX license number 93542) with its principal place of business at 399 Park Avenue, 8th Floor, New York, NY 10022.

Travel insurance provides emergency assistance services should you need help while you travel. Travel insurance covers: unexpected costs such as having to cancel or interrupt your trip due to unexpected reasons, such as illness of you, a family member, or a travel companion, severe weather, missed connections, strikes, default of travel supplier and other unexpected events that may arise before or during your trip. Plans include trip cancellation and interruption, accident and sickness with assistance services, medical repatriation, baggage coverage, accident insurance, travel accident insurance and many other benefits.

This is only a brief description of the coverage(s) available under policy LT007. The policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the policy. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. If there are any conflicts or discrepancies between this document and the policy or if any point is not covered in this document, the terms and conditions of the policy shall govern. Not all plans or coverages are available in every state. Please contact 1-866-888-7803 if you have any questions.