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Choose the coverage you need, when you need it

Term life insurance

Choose the coverage you need, when you need it

Term life insurance

Choose the coverage you need, when you need it

Term life insurance

Choose the coverage you need, when you need it

Term life insurance

It's life insurance on your terms. Decide how long and how much coverage you need – whether that means $200k for 10 years or $2M for 20 years. Plus, your policy offers a wellness-based program with premium savings and rewards for healthy living.


  • Pay only for the time you need coverage

    Enjoy the flexibility of only paying for the length of time you need (e.g. 10, 15, or 20 years of coverage).

  • Apply easily and conveniently

    Receive an instant online quote with potentially no medical exams required.1

  • Trust your loved ones are protected

    Know the people you care for most are taken care of with reliable claims payouts and the flexibility to adjust coverage as your needs change.

  • Rewards for healthy living

    Get rewarded with savings and discounts when you make healthy choices with John Hancock Vitality.

Explore our great coverage options

Term life insurance products

Our products are available in a variety of coverage amounts ($25k - $65M) with varying lengths of time (e.g. 10, 15, 20-years). Term can be purchased directly from John Hancock or through your financial representative, depending on the product that's right for your insurance needs.

For coverage under $5M, get your instant quote and apply online in minutes.


For coverage over $5Mget in touch with our John Hancock team. 

Protect your family on your terms.

Get your quote
Embracing couple with their young daughter standing on concrete seafront in sunlight
John Hancock blue logo and Vitality Logo side by side

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.

Explore other life insurance offerings

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

Take the first step — apply in minutes.

Get your quote

Medical exams may not be required on certain term insurance products. Policy issuance is not guaranteed as any life insurance purchase is subject to completion of an application and underwriting approval.


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. 
Some riders may have additional fees and expenses associated with them.  
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.