John Hancock Term Life Insurance

Company Review by Quotacy

Quotacy’s Review of John Hancock

John Hancock excels at accelerated underwriting—the fast track to getting you covered.

John Hancock is excellent for

  • Accelerated Underwriting
  • Barrett’s Esophagus
  • Chewing Tobacco, Cigar, or Pipe Smokers
  • Crohn’s Disease
  • Healthy Individuals
  • Ulcerative Colitis

To stand out in a competitive industry, most insurers like John Hancock focus on serving health or lifestyle niches.

» Learn more: Quotacy’s Full Review of John Hancock

Benefits of choosing John Hancock

  • Can be converted into a permanent policy.
  • Includes Accelerated Death Benefit Rider at no charge.
  • Offers Unemployment Protection Rider option.
  • Some applicants may not need a medical exam—if they qualify for accelerated underwriting.
  • Your medical exam can be done at home or work.
  • Your medical exam results are automatically mailed to you.
  • You can manage your policy online.

Who’s Quotacy?

We’re trusted life insurance brokers & advisors

Since 1990, we’ve served over 29,600 clients with expertise and care and have helped our customers protect their families with over $22 billion in coverage.

Quotacy is backed by Hallett Financial Group, Inc., a brokerage general agency, with deep industry experience and top-level partnerships with the best life insurance companies in the nation.

» Meet our team

Get your John Hancock quote now

Go from quote to getting covered in 5 minutes, all online.

How Does John Hancock Compare?

Sample term life insurance quotes

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John Hancock


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United of Omaha


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Sample monthly premium quotes for a $500,000, 20-year term policy for healthy, non-smoking individuals. Pricing varies by gender (except in Montana). Women pay less for life insurance than men because they live longer on average.

Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of April 2019.

John Hancock Policy Riders

Increase your policy’s benefits with riders

Accelerated Death Benefit Rider


This rider is included in your policy at no charge. It gives you access to a portion of your policy’s death benefit, if you are diagnosed with a terminal illness resulting in 12 months or less to live.

Premium Waiver for Disability

*Available at additional cost

This carrier will waive premium payments during a period of total disability lasting six consecutive months or more. The waived payments don’t have to be paid back. This rider is not available on all policies and the cost varies by age.

Unemployment Protection Rider

*Available at additional cost

With this rider, if you become unemployed for at least four consecutive weeks, John Hancock will waive premium payments up to a total of 12 months. The payments will not have to be paid back. Cost varies by age and benefit amount. Ask your Quotacy agent for details.

Why Buy John Hancock from Quotacy?

Save time & money. Let us do your comparison shopping.

More policy options

Quotacy is an independent life insurance broker. We sell policies from the nation's most trusted insurers. By using our quoting tool, you'll get multiple term life options from the best life insurance companies in minutes.

Get what's right for you

Our agents match you with the right company for your health and lifestyle—so you get the best life insurance for you. This is part of our free service as a life insurance broker.

We're transparent

We value transparency as much as you do. Everything we know about life insurance, we'll share with you so you're making informed decisions from quote to covered.

Spend less time shopping

No matter where you buy your policy, you'll pay the same rates. Pricing for life insurance is regulated by government. Don't waste time talking with multiple agents, use our free online comparison shopping tool to get your quotes.

Our focus is on you

As a life insurance broker, our focus is on finding you the best policy for your needs. Quotacy's agents work on salary, not commission—so, we're at your service.

We're experienced

We've been in the life insurance industry since 1990, and have helped our customers protect their families with over $22 billion in coverage. That's a lot of happy customers.

Get your John Hancock quote now

Go from quote to getting covered in 5 minutes, all online.