The Helper Bees Care Facility Program

The Helper Bees is a service provider providing and administering The Helper Bees Care Facility Program which is a service program being made available to long-term care insurance policyholders and certain John Hancock life insurance policy holders with a long-term care rider. 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 Facility 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 John Hancock may have access to your detailed information collected under The Helper Bees Care Facility Program. John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance with LTC riders) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term care insurance). MLINY120225892-1