Get the right life insurance policy for the protection you need
Talk with an insurance professional to discover the right life insurance plans and quotes for your coverage needs
Find the life insurance that helps protect your loved ones while helping you meet your financial goals and needs.
A life insurance policy for everyone
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Term life insurance Helps provide financial protection for a specific period of time (e.g. 10, 15, 20 or 30 years).1
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Permanent life insurance Death benefit protection that can last your entire life with cash value potential that can help you meet your goals.
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See the great benefits you can get with your term or permanent policy2
| Term life | Permanent life | |
| The basics | ||
| Ages | 18 — 80 years |
3 months — 90 years
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| Best suited for | Income replacement Mortgage protection Educational funding Final expenses |
Supplement future income
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| 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 |
Help meet future financial needs
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| Coverage amount | $250,000 — $30M |
$50,000 — $65M
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Living benefits Just a few of the features and optional benefits that John Hancock life insurance can offer to help ensure your policy meets your needs while you're living. |
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| Protection in case of disability | ✔ | ✔ |
| Accelerated Benefit | ✔ | ✔ |
| Coverage for critical illness | — | ✔ |
| Coverage for chronic illness | — | ✔ |
| Coverage for long term care | — | ✔ |
| Cash value accumulation potential | — | ✔ |
| John Hancock Vitality | ✔ | ✔ |
| John Hancock Aspire | ✔ | ✔ |
Programs for living your best life today
John Hancock Vitality
Term and permanent products both 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:³
- Premium savings
- Complimentary or discounted wearable fitness devices
- Savings at the grocery store
- Travel and other retail discounts
For our current customers
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Submit a policy change Make important policy changes (address, beneficiary & more) or submit a form to us directly through your online account.
Sign in or register -
John Hancock Vitality Check your points and rewards status, see the latest news and updates, plan your activities, and more.
Sign in or register -
File a claim Visit our claims center to find information and forms needed to initiate a claim.
Visit claims 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.
30-year Term is not available in New York.
Specific policy features can vary by product and are subject to underwriting approval.
Premium savings are only available with Vitality PLUS.
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 engagement with the John Hancock Vitality Program. 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.
The life insurance policy describes coverage under the policy, exclusions and limitations, what you must do to keep your policy in force, 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.
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.
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, may vary based on the type of insurance policy purchased and the state where the policy was issued, are subject to change and are not guaranteed to remain the same for the life of the policy. Vitality GO is not available with policies issued in New York.
To be eligible to earn rewards and discounts by participating in the Vitality program, the insured must register for Vitality and in most instances also complete the Vitality Healthy Review (VHR).
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 JHAspire.com or via telephone at 877-355-2376.
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.
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