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At John Hancock, we offer a comprehensive portfolio of life insurance products that has been designed to be extremely competitive and provide real value. Whether you are looking for guaranteed death benefit protection, low-cost coverage or consistently strong cash value accumulation potential, John Hancock has a product to meet your needs!

Why John Hancock Life Insurance?

  • John Hancock is among the highest-rated companies for financial strength and stability, as judged by the major rating agencies.
  • Policyholder obligations are backed by high quality, broadly diversified portfolios built by using a conservative, bottom-up approach.

Inside Life Insurance

Brochure
Term Life Insurance

Term life insurance provides guaranteed coverage for a specified time. John Hancock's term life insurance product and optional riders are an affordable way to prevent financial hardship should you die suddenly or be diagnosed with a terminal illness. With John Hancock's term you can take advantage of:Term Life Insurance Brochure

  • Guaranteed level premiums for 10, 15, or 20 years
  • Guaranteed conversion option to John Hancock's permanent products
  • Guaranteed level death benefit
Universal Life Insurance

John Hancock's universal life insurance is permanent insurance that offers customizable and flexible solutions to meet your financial objectives. Universal Life Insurance Brochure

Whether you're looking for guaranteed death benefit protection, low-cost coverage or strong cash value growth potential, our universal life products offer a wide variety of features and riders that are ideal for addressing these needs.

Variable Life Insurance

John Hancock's competitive variable universal life policies can give you the protection and guarantees you need to feel secure in uncertain times, plus the cash value growth potential and flexibility you need to meet your long-term financial goals. Variable Life Insurance Brochure

Your premiums are invested in underlying investment options that have the potential to accumulate cash value—tax-deferred. Variable universal life offers protection for your family's financial well-being as well as a potential source of supplemental retirement income for you.


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Have A Question?

Have a question? Call 1-800-732-5543

Our customer service center is available Monday through Friday, 8 a.m.–7 p.m., ET.

1-800-732-5543

Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the life insurance company issuing the life insurance contract.

Term Insurance, Universal Life Insurance:

Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.

Insurance policies and/or associated riders and features may not be available in all states.

Variable Life Insurance:

Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595 and securities offered through John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 197 Clarendon Street, Boston, MA 02116.

Insurance policies and/or associated riders and features may not be available in all states. Some riders may have additional fees and expenses associated with them. Refer to the product prospectus for additional information.

Variable universal life insurance has annual fees and expenses associated with it in addition to life insurance related charges (which differ with the product chosen), including surrender charges and investment management fees. Variable universal life insurance products are long-term contracts and are sold by prospectus. They are subject to market risk due to the underlying sub-accounts, and are unsuitable as a short term savings vehicle. The primary purpose of variable universal life insurance is to provide lifetime protection against economic loss due to the death of the insured person. Cash values are not guaranteed if the client is invested in the investment accounts. There are risks associated with each investment option, and the policy may lose value.