Benefits
Coverage for what you value most
Ensure the people you love have the financial resources they need.
Rewards for healthy choices
Earn rewards and save up to 15% on your premiums1 for the everyday things you do to stay healthy with the John Hancock Vitality program.
Control and financial flexibility
Borrow against your potential cash value to meet your financial needs today or supplement your income in retirement.2
A head start for your family
Maximize your legacy to help give future generations the upper hand.
A life insurance plan for everyone
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Term life insurance
Helps provide financial protection for a specific period of time (e.g. 10, 15, or 20 years).
Learn more -
Permanent life insurance
Death benefit protection that lasts your entire life with cash value that can help you meet your goals.
Learn more -
Final Expense with Guaranteed Acceptance
Helps your family cover items like funeral expenses, medical bills, and any remaining debt.
Learn more
Live healthy. Get rewarded.
Life insurance with John Hancock Vitality helps protect your family and rewards the everyday things you do to stay healthy.
Ideas + insights
Articles that will boost your financial know-how.
For our current customers
Contact us
Life insurance service center
(all states except New York)
| Phone: | TTY#: |
| 1-800-387-2747 | 1-800-832-5282 |
| M-F, 8AM to 6PM, ET |
New York service center
| Phone: | Fax: |
| 1-888-267-7781 | 617-572-1571 |
| 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.
1. Premium savings are in comparison to the same John Hancock policy without the Vitality PLUS program. Premium savings over the life of the policy will vary based upon policy type, the terms of the policy, and the level of the insured’s participation in the John Hancock Vitality program.
2. Loans and withdrawals will reduce the death benefit and the 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. Withdrawals in excess of the cost basis (premiums paid) will be subject to tax and certain withdrawals within the first 15 years may be subject to recapture tax. Additionally, 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. Cash value available for loans and withdrawals may be more or less than originally invested. Withdrawals are available after the first policy year.
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 which policy is suitable for your needs. Availability of policies, features, and benefits may vary by state.
Vitality Rewards may vary based on the type of insurance policy purchased for the insured (Vitality Program Member).
Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock.
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 are 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.
MLINY123119100