John Hancock Life Insurance Company, a subsidiary of Manulife Financial Corporation of Canada, is one of the oldest and most recognized life insurance brands in America, founded in 1862. John Hancock is particularly strong for older applicants and individuals with height/weight concerns, and is the pioneer of behavior-based life insurance pricing through their Vitality program.
AM Best Rating: A+ (Superior)
John Hancock carries an A+ (Superior) rating from AM Best, reflecting outstanding financial strength backed by its parent company Manulife, one of the world’s largest insurers.
Vitality Program
John Hancock’s Vitality program rewards policyholders for healthy behaviors — exercise, preventive screenings, healthy food purchases — with premium discounts of up to 25% and other rewards. Available on term and permanent policies.
Term Life Insurance
Competitive term products in 10, 15, 20, 25, and 30-year durations. Particularly competitive for older applicants (ages 55–70) and individuals who are overweight but otherwise healthy.
Permanent Life Insurance
Universal life, indexed universal life, and variable universal life products available. Strong protection-focused UL products with solid guarantees.
Underwriting Flexibility
John Hancock is known for flexible underwriting on certain health conditions, particularly for older applicants with well-managed conditions. One of our preferred carriers for age 60+ clients.
Best For
Older applicants (55–70), individuals with height/weight concerns, health-conscious buyers who would benefit from the Vitality rewards program.
Get a John Hancock Life Insurance Quote
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