John Hancock Life Insurence Company. In 1988 we took out a Universal policy, the salesmen informed us that by the time my husband retired this would be paid. As of this date we are still paying with the amounts growing constantly.This has been hell. The salesman has lied. I call John Hancock for help only to be referred to a salesman. So if you have a problem like mine please contact me at my email [email protected] or please call me at (716)7854166. Thank you for taking some of your time to listen to my problem with John Hancock.