Universal Life Insurance

Protect your family with a universal policy

Universal life insurance is a great option for families looking to secure a powerful but flexible life insurance solution. Universal means permanent insurance - it not only provides for your family in the event of your death, but has the potential to accumulate cash value as well. A universal policy provides more investment value than term life, and more flexibility and control than whole life. For many families, universal is the only life insurance policy they will ever need.

John Hancock: life insurance and much, much more

For more than 140 years, the financial professionals at John Hancock Life Insurance Company have provided high quality insurance products like universal life, as well as innovative and competitive investment solutions. Your John Hancock representative can help you decide if universal life insurance is the best choice for the needs of your family, and how your policy can dovetail with other insurance or investment products to form a comprehensive strategy for protecting your loved ones and building a nest egg over time. As a company that is consistently rated among the top 15 life insurance companies for financial stability and strength as judged by the major rating agencies, John Hancock is a name you know you can trust to help with your life insurance needs.

Top three benefits of universal life insurance

Like whole life, a universal policy is permanent life insurance you keep for your entire life, and it can accrue cash value. But it offers additional features and options as well. For example, you can increase or decrease the face value of your universal policy as your protection needs change. A universal policy also allows you to change the amount of your premium - or make lump sum payments or even to skip a payment (if your account has accrued sufficient value) - giving you more control over your cash flow. You can even borrow against the value of your policy, subject to certain limits. Consult with your John Hancock representative to maximize the effectiveness of a universal life insurance policy.

For more information about universal life insurance with John Hancock, click here.