Get nothing but a run around Mind you this is still ongoing...my husbands mother passed at 97 in November 2023, father in 2012. Policy was on both parents so both had to pass. Sent EVERYTHING including death certificates for both in December. Re-sent in January because they "lost" everything. We call every week and get nothing but different excuses for not sending out the death benefit. "another dept accidently received it, give us 48 hours" Sure. Right. Call again... "Can't figure out the amount" (we have a statement). "It hasn't been 10 days" Wow, I'm pretty sure it has. "it will be in the mail in another couple of weeks" Oh and the best one is "it will only be half the amount" (did I mention we have a statement) And just so everyone is aware, they do not pay interest on money that they "hang on to". We have since filled a claim with the insurance commissioner in our state.

I love my insurance BUT... I love my insurance and I particularly love the vitality program! I have enjoyed every minute of “paying for my Apple Watch” through working out and through getting healthier! I’ve run wayyyyy more in my year of having vitality. But I will say I’m a little concerned that I did not receive any cash back like I was told I would for reaching the platinum level in my first year. I’ve sent several emails to try figure out if it was a mistake and I get no response. If that had gone as planned I would have easily 5 starred this review but now I’m doubting I will get what was promised when I signed up for my life insurance.

Horrible product, horrible service. My (ex) financial advisor sold me an annuity, claiming it was an investment. It seemed very complicated but I trusted him. After we parted ways, I looked into it, and found that this really profited the company (and probably him). It is worth less than when I bought it, after many years, and they take their cut no matter what. The company denies any responsibility. To make matters worse, the customer service is bad. I had to call many times to find out what was going on. Today, for some reason the website did not work (I was just trying to get their phone number). I had to call their tech support who could not explain it, so had to get a new password. Then I called, was verified, was finally transferred to an agent who wanted to verify me yet again (3rd time today, 2nd time in that call). I hung up in disgust.

Platinum Status does not equal 15% premium refund While I enjoyed reaching Platinum status, mathematically, the premium refund that was sent to me did not equate to 15%. This has left a feeling of false advertising.

I’ve had so many issues trying to update payment I’ve had so many issues trying to update my payment method. Was told ppl would get back to me. One time acct was drafted when it wasn’t supposed to be. Incurred a $50 overdraft fee that was supposed to be sent to me by John Hancock. Never got it. All around bad experience.