Get the best life insurance policy for the protection you need
Talk with an insurance professional to discover the best life insurance plans and quotes for your coverage needs
Get the best life insurance policy for the protection you need
Talk with an insurance professional to discover the best life insurance plans and quotes for your coverage needs
Find the life insurance that helps protect your loved ones while also helping you meet your financial goals and needs.
Do I need life insurance?
If anyone in your life counts on you financially, yes. The proceeds from your policy could help replace your income so your family and those left behind can continue on with their lives. Ideally, your policy should be enough to take care of their immediate and long-term financial needs.
How much does life insurance cost?
The cost is based on a number of factors. From the insured’s age and health status to the amount and duration of coverage. You’ll want to be sure to take into account all of your family’s immediate and long-term expenses.
Not sure how much coverage you need? Find out now
What does life insurance help cover?
Regardless of type of life insurance (term or permanent), your beneficiaries can use the proceeds from your policy towards any type of debt or expense: credit cards, mortgage/rent, utilities, healthcare, car payments, college tuition, retirement and more.
Why John Hancock?
3.5 Million Customers
With millions of current customers and 160 years of experience, we have a solution that’s right for you.1
$7.2 Billion
A+ Financial Rating
A life insurance policy for everyone
Term life insurance
Permanent life insurance
See the great benefits you can get with your term or permanent policy5
Term Life |
The basics |
Ages:18-80 years |
Best suited for:• Income replacement • Mortgage protection • Educational funding • Final expenses |
Length of policy:10 — 30 years |
The coverage |
Key features:• Lower cost than permanent life • Ability to convert to permanent • Rewards for healthy living |
Coverage amount:$750,000 — $65M |
Living benefits |
| Just a few of the features John Hancock offers to help ensure your policy meets your needs while you're living |
Disability Rider:
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Unemployment Waiver of Protection Rider:
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Accelerated Benefit:
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Critical Illness Benefit Rider: |
Cash value accumulation potential: |
John Hancock Vitality:
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John Hancock Aspire:
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Programs for living your best life today |
John Hancock Vitality:
Both term and permanent products come with the option to take part in the John Hancock Vitality Program. Vitality rewards you for the everyday steps you take to live a longer, healthier life — like going for a walk, buying healthy food or getting a good night's sleep. There are two great versions of the program to choose from, each offering a variety of benefits and features to meet your personal goals and interests, including:6 |
John Hancock Aspire:
|
Permanent Life |
The basics |
Ages:3 months — 90 years |
Best suited for:• Supplement future income • Tax-deferred growth potential • Legacy planning |
Length of policy:Up to lifetime |
The coverage |
Key features:• Meet future financial needs • Tax advantages • Rewards for healthy living |
Coverage amount:$50,000 — $65M |
Living benefits |
| Just a few of the features John Hancock offers to help ensure your policy meets your needs while you're living |
Disability Rider:
|
Unemployment Waiver of Protection Rider: |
Accelerated Benefit:
|
Critical Illness Benefit
Rider:
|
Cash value accumulation potential:
|
John Hancock Vitality:
|
John Hancock Aspire:
|
Programs for living your best life today |
John Hancock Vitality:
|
John Hancock Aspire:
|
Term life |
Permanent life |
The basics
Ages |
18 — 80 years | 3 months — 90 years |
Best suited for |
• Income replacement • Mortgage protection • Educational funding • Final expenses |
• Supplement future income • Tax-deferred growth potential • Legacy planning
|
Length of policy |
10 — 30 years | Up to lifetime |
The coverage
Key features |
• Lower cost than permanent life • Ability to convert to permanent • Rewards for healthy living
|
• Meet future financial needs • Tax advantages • Rewards for healthy living |
Coverage amount |
$250,000 — $65M |
$50,000 — $65M |
Living benefits
Just a few of the features John Hancock offers to help ensure your policy meets your needs while you're living
Disability Rider |
 |
|
| Unemployment Waiver of Protection Rider | |
|
| Accelerated Benefit | |
|
| Critical Illness Benefit Rider | |
|
| Cash value accumulation potential | |
|
| John Hancock Vitality | |
|
| John Hancock Aspire | |
|
Programs for living your best life today
| John Hancock Vitality | 
Both term and permanent products come with the option to take part in the John Hancock Vitality Program. Vitality rewards you for the everyday steps you take to live a longer, healthier life — like going for a walk, buying healthy food or getting a good night's sleep. There are two great versions of the program to choose from, each offering a variety of benefits and features to meet your personal goals and interests, including:6
|
| John Hancock Aspire | 
For our customers living with type 1 or type 2 diabetes, we offer John Hancock Aspire — a program offering day-to-day diabetes support and rewards for taking proactive steps to manage your health. In addition to the benefits of John Hancock Vitality listed above, Aspire also offers eligible customers:
|
Live healthy. Get rewarded.
Life insurance with John Hancock Vitality helps protect your family and rewards the everyday things you do to stay healthy.
Life insurance designed for people living with diabetes.
Aspire offers financial protection and personalized support to people living with type 1 and type 2 diabetes.
Ideas + insights
Boost your financial know-how.
For our current customers
Contact us
Life insurance service center
(all states except New York)
Phone: 1-800-387-2747
TTY#: 1-800-832-5282
M-F, 8AM to 6PM, ET
New York service center
Phone: 1-888-267-7781
Fax: 617-572-1571
M-F, 8AM to 6PM, ET
Vitality
Phone: 1-888-333-2659
M-F, 8AM to 6PM, ET
Mail to:
Life Post Issue Services
John Hancock Insurance
PO Box 55979
Boston, MA, 02205
Helpful links
Find long-term care information and contacts in our help center.
Please contact your licensed agent or John Hancock for more information, costs, and complete details on coverage to help you determine if the policy is suitable for your needs
1 Represents inforce John Hancock life insurance and long-term care policyholders as of December 2020.
2 Payments made in 2020 for life insurance and long-term care claims.
3 Second highest of 13 ratings (superior ability to meet ongoing insurance obligations). Financial strength rating is current as of September 30, 2021, is subject to change, and applies to John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York as a measure of each company's financial ability to pay claims and to honor any guarantees provided by the contract and any applicable optional riders. These companies have also received additional financial strength ratings from other rating agencies. Financial strength ratings are not an assessment, recommendation, or guarantee of specific products and their investment returns or value, do not apply to individual securities held in any portfolio or the practices of an insurance company, and do not apply to the safety and performance of separate accounts.
4 30-year Term is not available in New York.
5 Specific policy features can vary by product and are subject to underwriting approval.
6 Premium savings and travel rewards are only available with Vitality PLUS. Travel rewards are not available in New York.
The benefits available under Aspire can vary depending on whether the insured has Type 1 or Type 2 diabetes, the type and coverage amount of the life insurance policy purchased and the level of Onduo engagement with the John Hancock Vitality Program. Eligibility for an Onduo membership is also subject to Onduo’s qualification requirements. Certain aspects of Aspire may change over time. There is no coordination between Aspire and any health benefits you may receive from an insurance policy, health plan, or any other wellness programs you may be enrolled in.
Aspire is not available in New York, Idaho and Puerto Rico.
The life insurance policy describes coverage under the policy, exclusions and limitations, what you must do to keep your policy inforce, and what would cause your policy to be discontinued. Please contact your licensed agent or John Hancock for more information, costs, and complete details on coverage to help you determine if the policy is suitable for your needs.
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.
Loans and withdrawals will reduce the death benefit, cash surrender value, and may cause the policy to lapse. Lapse or surrender of a policy with a loan may cause the recognition of taxable income. Policies classified as modified endowment contracts may be subject to tax when a loan or withdrawal is made. A federal tax penalty of 10% may also apply if the loan or withdrawal is taken prior to age 59 1/2.
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 available only to the person insured under the eligible life insurance policy, are subject to change and are not guaranteed to remain the same for the life of the policy. Rewards may vary based on the type of insurance policy purchased for the insured Vitality Program Member. Vitality GO is not available with policies issued in New York & Puerto Rico.
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.
Aspire is offered through life insurance policies with the John Hancock Vitality Program. Products or services offered under the Vitality Program are not insurance and are subject to change. There may be additional costs associated with these products or services and there are additional requirements associated with participation in the program. For more information, please contact the company at Johnhancock.com or via telephone at 888-333-2659.
Insurance products are issued by: John Hancock Life Insurance Company (U.SA.), Boston. MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.
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