IMSA

When it comes to customer trust,
we don't just talk about being ethical.

We prove it.

How do we prove it?
Given recent market turbulence, you may be feeling some uncertainty about insurance and financial service providers these days. Because we understand the need for people to have confidence in the companies they deal with, John Hancock has gone the extra ethical mile and achieved qualification in the Insurance Marketplace Standards Association (IMSA) to demonstrate our commitment to you.

What is IMSA?
IMSA is the premier standards-setting organization for the life insurance, annuity and long-term care insurance marketplace (for individually sold products). Qualified companies commit to maintaining high ethical standards and to being fair, honest, and open in the way they advertise, sell and service their products. Only a select group of companies have attained the IMSA market distinction.

What does this mean to our customers?
Consumers can trust that as an IMSA member, John Hancock has undergone rigorous internal and independent assessments to ensure that we adhere to specific, stringent market conduct principles in the sale and service of covered products. A commitment to IMSA is tangible proof that John Hancock is devoted to high standards of honesty and fairness when dealing with our customers.

IMSA maintains Principles of Ethical Market Conduct
designed to ensure that IMSA-qualified companies
operate according to high ethical standards:

1. To conduct business according to high standards of honesty and fairness and to render that service to its customers which, in the same circumstances, it would apply to or demand for itself.
2. To provide competent and customer-focused sales and service.
3. To engage in active and fair competition.
4. To provide advertising and sales materials that are clear as to purpose and honest and fair as to content.
5. To provide for fair and expeditious handling of customer complaints and disputes.
6. To maintain a system of supervision and monitoring that is reasonably designed to demonstrate the company's commitment to and compliance with IMSA's Principles and Code of Ethical Market Conduct.