The Helper Bees is a service provider providing and administering The Helper Bees Care Concierge Program which is a service program being made available to long term care insurance policyholders of John Hancock Life Insurance Company (U.S.A.) (“John Hancock”). This Program is not owned or operated by John Hancock or its affiliates. John Hancock and The Helper Bees are independent companies. John Hancock does not provide medical services or advice and is not involved in the design or provision of the services provided by or through The Helper Bees. The Helper Bees Care Concierge Program is neither an insurance benefit, nor a provision or service paid for under your policy. The Program and its availability may be discontinued at any time. If you elect to participate in this Program all resources, tools, and services available will be provided by The Helper Bees. Applicable charges for services are your responsibility. This Program may not be suitable for everyone, and participation is voluntary. Service availability may vary by state. Please note that with your authorization, John Hancock will have access to your detailed information collected under The Helper Bees Care Concierge Program. John Hancock long-term care insurance is administered by John Hancock Life Insurance Company (U.S.A.), 200 Berkeley Street, Boston, MA 02116. MLINY082625171-1