A guide to applying for John Hancock life insurance online
With free instant online quotes, John Hancock is making it easier and more convenient to get quality term life insurance. As the name implies, “term insurance” protects you and your family over a set period of time. While the application process is fairly straightforward, there are a few steps you can take to help make it as easy as possible.
Step 1: Get an instant quote from home
With some basic information — your age, address, and income — John Hancock will provide an instant online quote. (Visit termlife.johnhancock.com to see how easy.) Remember, this is an estimated cost for the amount of coverage and term you want. We’ll provide several options for your consideration and confirm the rate after medical, non-medical, and financial underwriting are completed.
Step 2: Fill out your online application
After the initial quote, you’ll submit a formal application. This will require you to provide detailed personal information that will be kept confidential by the underwriting team so that you receive coverage at the best price possible.
You’ll be asked a wide range of questions about your financial situation, beneficiary details, lifestyle habits (i.e. smoking, drinking, exercise, travel, and any high-risk hobbies), medical history and immediate family’s medical history.
Step 3: Review and sign your application
Before submitting, ensure all the information is complete, accurate, and truthful, and then e-Sign your application. While it typically takes 24 to 72 hours to review, many that apply online with John Hancock are approved more quickly.
Sometimes additional medical information and/or an in-person medical examination is required before coverage is approved. If this is the case, we will do everything we can to make this process as convenient as possible.
During the exam, the paramedical healthcare professional will measure your height and weight, take your blood pressure and pulse, collect blood and urine samples. To achieve the best results, please do the following prior to your life insurance exam appointment:
Bring a picture ID to the appointment
Limit salt and high-cholesterol foods 24 hours prior to the exam
Refrain from drinking alcoholic beverages for at least 12 hours prior to your appointment
Avoid strenuous exercise 12 hours prior to the examination
Limit caffeine and nicotine one hour prior to your appointment
Drink a glass of water one hour prior to the appointment
Provide any history of problems associated with providing a blood sample
Get a good night of sleep prior to the examination
After your file is set up, the underwriter will review the application and any medical exam results, if required. We may request additional underwriting information or order medical records from your physician(s) to learn more about your medical history and any treatment received. This will help us to determine what risk you represent to the company and how much to charge for the coverage requested.
Step 4: Review your policy & register for Vitality
Once approved and your premium has been collected (at the same time your policy is issued) you’ll be sent a secure link to review your policy package. You’ll also be encouraged to register for John Hancock Vitality — wellness-based program that rewards you for all the everyday things you do to live a longer, healthier life. You could earn exclusive discounts on healthy food, fitness devices and travel — even cash back savings of up to 15% on the cost of your insurance premiums.
Step 5: Ready to take the first step?
Simply get your quote to see just how easy and cost effective it is to help protect your family’s financial goals with John Hancock term life insurance.
Life insurance that rewards you for living a healthy life.
Insurance policies and/or associated riders and features may not be available in all states.
Premium refunds are based on the level of the insured’s participation in the John Hancock Vitality program. John Hancock can provide you additional information on policy costs, coverage amounts, potential premium refund amounts, and other coverage details, to help you determine if a policy is suitable for your needs.
Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. John Hancock Vitality Program Rewards and discounts are subject to change, are not guaranteed to remain the same for the life of the policy and are only available to the person insured under the eligible life insurance policy.
HealthyFood savings are based on qualifying purchases and may vary based on the terms of the John Hancock Vitality Program. The HealthyFood program is currently not available in Guam.
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.