John Hancock Term Life Insurance is one of the most affordable ways to protect your loved ones and help build financial security.
Do you need John Hancock life insurance?
Some people think life insurance is only for the wealthy, but you don’t have to be a millionaire to need it — or afford it. Not only can life insurance protect your family’s financial future, but now it can even help you live a longer, healthier life with the John Hancock Vitality Program.
A life insurance policy can give you the protection you need throughout your lifetime.
Are you single, engaged, or married?
A life insurance policy can help any loved ones you may be supporting, settle outstanding obligations, and continue to pay other expenses.
Do you have children?
With life insurance, you can provide for your children and help them have the life you’ve dreamed of for them.
Do you own a house?
Life insurance can pay down or pay off your mortgage so your loved ones can continue to call your house home.
WHY BUY JOHN HANCOCK TERM LIFE INSURANCE?
- Protects your loved ones when they need it the most
- It’s one of the most affordable types of life insurance you can buy
- You choose how long the policy will last based on your needs
Shop, compare, and apply for John Hancock Life Insurance.
Tailor your policy
Term insurance is the most basic type of life insurance you can buy. It’s called term insurance because it offers benefits that cover a specified period of time. Take a look at the valuable features John Hancock Term Life Insurance offers you:
Choice of Term Length and Coverage
Customize your policy to meet your coverage needs, selecting a 10-, 15- or 20-year term duration and $100,000 or more of life insurance coverage (up to $10,000,00).
Your premiums are guaranteed not to increase for the duration of your policy. And your premiums can decrease each year if you elect the Vitality PLUS rider.
Guaranteed Option to Convert to Permanent Coverage
You can exchange your term policy for one of our permanent policies up to age 70.
The death benefit you choose is level and guaranteed not to change for the duration of your policy.
Total Disability Waiver Rider
If you are disabled for six months or more, this benefit waives your annual premium for the duration of your covered disability or the duration of your policy.
Accelerated Benefit Rider
You can broaden the protection of your term life insurance policy with this feature, which allows you to access a portion of the death benefit if you become terminally ill.
Unemployment Protection Rider
This benefit will waive your premiums if you become unemployed, up to an annual premium amount of $10,000, and for policies with coverage of up to $5 million. This rider benefit can be used twice during the term duration.
John Hancock Vitality
At John Hancock, we believe in helping people live longer, healthier lives. With the John Hancock Vitality Program, you’ll be rewarded for the everyday things you do to be healthy, like exercising, eating well, and getting annual check-ups. We offer two great versions of the John Hancock Vitality Program, Vitality GO and Vitality PLUS.
I’m a licensed financial professional. I’ve sold annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.
My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you.