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Original Comment My financial advisor recommended John Hancock for a hybrid policy. My criteria was QUALITY and reputation. After medical exams, etc., over 4 months, I was approved, I was a pilot and am not currently flying and do not plan to fly. Specifically I asked if there was an aviation premium or waiver. My advisor received an email from JH saying no. I was covered. I signed the forms and last week I was told that there were 2 emails from JH, one , we received and another we did not review stating there was an aviation exclusion. The 2nd email was never sent to us, and now when we are ready to execute the policy, JH has changed the policy. I call this bait and switch. I have called JH several times and no one has returned my call. The agent has no capability of answering thsi question as to why I was given the run around.

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