The International Group Program (IGP) is a network of major life insurance companies (Network Partners) operating throughout the world, who work together to meet the global and local employee benefits needs of international corporations and their affiliates, branches, and subsidiaries. IGP offers the full spectrum of global employee benefits solutions: pooling, global underwriting and captive reinsurance. IGP is represented in approximately 80 countries and territories throughout the world and is known for the flexibility and quality of service we provide to our clients, both globally and locally. IGP is a department of John Hancock Life Insurance Company (U.S.A.) (“John Hancock”) with its principal place of business in Boston Massachusetts, U.S.A. IGP operates in the State of New York under JH Signature Insurance Agency Inc., a NY licensed broker. IGP Network Partners are licensed in the jurisdictions where they issue insurance contracts. Network Partners located outside of the United States are not licensed or authorized to issue insurance contracts in the United States. John Hancock is the U.S. division of Manulife Financial Corporation, a leading financial services group based in Toronto, Canada. Manulife offers its clients a diverse range of financial protection products and wealth management services.