 |
 |
 |
 |
Evaluate your goals and choose the investment strategy that's right for you.
Life insurance is an important component of any sound financial plan. It can provide financial protection for your family—or your business—in the event of your premature death. At John Hancock, we offer a comprehensive portfolio of life insurance products that have been designed to be extremely competitive and provide real value. Whether you are looking for guaranteed death benefit protection, low-cost coverage or consistently strong cash value accumulation potential, John Hancock has a product to meet your needs!
Term life insurance provides guaranteed coverage for a specified time. John Hancock's term life insurance product and optional riders are an affordable way to prevent financial hardship should you die suddenly or be diagnosed with a terminal illness. With John Hancock's term you can take advantage of:
John Hancock's universal life insurance is permanent insurance that offers customizable and flexible solutions to meet your financial objectives. 
Whether you're looking for guaranteed death benefit protection, low-cost coverage or strong cash value growth potential, our universal life products offer a wide variety of features and riders that are ideal for addressing these needs.
John Hancock's competitive variable universal life policies can give you the protection and guarantees you need to feel secure in uncertain times, plus the cash value growth potential and flexibility you need to meet your long-term financial goals. 
Your premiums are invested in underlying investment options that have the potential to accumulate cash value—tax-deferred. Variable universal life offers protection for your family's financial well-being as well as a potential source of supplemental retirement income for you.
John Hancock's whole life insurance is permanent insurance that offers guaranteed death benefit protection and premiums as well as strong cash values that can be used to meet your long-term financial goals. 
John Hancock also offers an array of innovative ways to enhance your policy with optional riders that can be tailored to address your specific needs.
To get life insurance forms, please indicate when you became a customer:
Customer Service Frequently Asked Questions for Policyholders and Beneficiaries:
For life insurance claims:
John Hancock Life Insurance
Suite 1101
1 John Hancock Way
Boston MA 02217-1099
For other service requests:
John Hancock Life Insurance
PO Box 772
Boston, MA 02117
For customers before 1/1/05, visit our site for more information
Customer Information »
For customers originally with Manulife, visit our JHServiceNet site for more information
JHservicenet.com »
For customers after 12/31/04, visit JHServiceNet for more information
JHservicenet.com »
Advisers can sign in to JHSalesNet to get account information and administration tools
JHsalesnet.com »Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the life insurance company issuing the life insurance contract.
Whole Life Insurance, Term Insurance, Universal Life Insurance: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.
Insurance policies and/or associated riders and features may not be available in all states.
Variable Life Insurance: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 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.
Insurance policies and/or associated riders and features may not be available in all states. Some riders may have additional fees and expenses associated with them. Refer to the product prospectus for additional information.
Variable universal life insurance has annual fees and expenses associated with it in addition to life insurance related charges (which differ with the product chosen), including surrender charges and investment management fees. Variable universal life insurance products are long-term contracts and are sold by prospectus. They are subject to market risk due to the underlying sub-accounts, and are unsuitable as a short term savings vehicle. The primary purpose of variable universal life insurance is to provide lifetime protection against economic loss due to the death of the insured person. Cash values are not guaranteed if the client is invested in the investment accounts. There are risks associated with each investment option, and the policy may lose value.