This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which may impact the location and order in which brands (and/or their products) are presented, and may also impact the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time
John Hancock fixed life insurance is ideal for anyone who needs fixed life insurance for a specific period of time, whether it’s to accompany a mortgage or to cover funeral expenses. If you have health issues and just want a fixed sum life insurance to provide a windfall for your loved ones after your death, Final Expense life insurance is a good option because there are no medical exams to qualify.
The John Hancock universal life insurance and the Vitality program are suitable for generally healthy individuals or couples who want to protect their loved ones over time with flexible insurance. If you live a healthy lifestyle or want some motivation to change your way of life, then the Vitality program is ideal because you’ll get rewarded for your healthy choices.
John Hancock offers term and universal life insurance to adults. Term life insurance lasts for 10-20 years, while universal life insurance continues throughout your life. John Hancock also offers guaranteed acceptance Final Expense insurance, to cover your funeral and burial costs and medical debts. There are no medical exams or specific questions to qualify for Final Expense insurance.
John Hancock’s main feature is the Vitality program, which offers lower premiums and a range of rewards in exchange for healthy activities. Signing up to the Vitality program includes a free or discounted health tracker device like a Fitbit or Garmin. When you do things like walking the dog, meditate, develop healthy sleep habits, exercise, and make healthy eating choices, you'll earn Vitality points. Vitality points can be converted into gift cards, shopping discounts, and reduced premiums.
You can easily apply for life insurance with John Hancock online. It takes about 15-20 minutes to complete the application. You’ll need to share the following information:
You can also just get a quick, free quote by sharing your name, age, and gender, the state where you live, your general state of health, how much coverage you need, and whether or not you use tobacco products. John Hancock doesn’t share how long it will take to get a reply.
John Hancock has 2 main types of life insurance:
Term life insurance lasts for 10,15, or 20 years. Many of John Hancock’s term life policies can be converted into permanent life insurance.
One type of term insurance is Final Expense Insurance, which guarantees to pay for your final funeral costs, medical bills, and burial expenses. Acceptance is guaranteed without medical exams or questions, and coverage and premiums won’t change at all.
Permanent life insurance lasts throughout your life and includes a cash value component that you can use as part of your retirement planning. John Hancock offers a Universal life insurance policy, with customized premium payment options, cash accumulation, and lifetime protection. There’s also an Indexed Universal life insurance plan, which adds the ability to earn more interest through a linked indexed account, and a Variable life insurance plan which allows you to choose different investment options for the cash value element of your policy.
John Hancock also offers the Vitality life insurance program. You can combine the Vitality program with any John Hancock life insurance policy. With the Vitality plan, you’ll earn rewards like shopping vouchers, discounts at certain stores, and lower premiums when you take steps to stay healthy.
John Hancock doesn’t share any information about the terms or conditions of any of its insurance plans.
John Hancock is highly rated by A. M. Best, but there’s no information about which assets back its insurance or other safety and security information. John Hancock promises to preserve your online privacy and clearly lays out all the ways that it will store and use your personal information.
John Hancock offers customer support through email and over the phone. There’s a separate customer support phone number for life insurance inquiries, which is manned from 8am to 6pm, Monday to Friday. You’ll also find a set of FAQs that cover most general and life insurance issues, but it’s not easily searchable.
John Hancock’s life insurance policies are designed to provide peace of mind and protection for everyone, at every stage in life. The flagship Vitality program is a clever way to motivate life insurance customers to look after their health and wellness by delivering a whole range of rewards in the form of discounts and gifts. Although John Hancock has good customer support and a long history behind it, the website doesn't share enough information about its security profile or the assets that back its insurance policies, and there isn’t enough detail about the application process.
John Hancock Insurance
Life – Post Issue
30 Dan Rd Suite 55979
Canton, MA 02021-2809