In September 2010, John Hancock told me that my policies had an accelerated benefit clause. They repeatedly told me that I need only have had a life threatening illness that would have killed me within two years.

I filed a claim against the policies. They then commenced to play every delay tactic that they could. At one point, they sent a letter dated November 29 but it arrived only on December 11, for instance. Finally, they changed their tune and denied the claim, saying that I had to be currently terminally ill with a malady that would kill me within two years. They have defrauded me out of $440,000.