Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: May 1, 2021

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The Facts of Life

  • John Hancock is one of the top 10 largest life insurance companies in the U.S.
  • It offers good deals and discounts for those trying to live healthy lives
  • In addition to life insurance, John Hancock offers retirement and 401(k) planning

John Hancock is one of the largest life insurance companies in the U.S., and its headquarters are located in Boston. If you’re searching for life insurance, chances are you’ve heard of it before. We’ll examine the pros and cons of John Hancock life insurance and what it offers for 2021.

Many people look at life insurance as a way to cover basic needs should they die prematurely. However, some people use advanced planning with life insurance products. There is cash value associated with the life insurance they choose or other benefits that make it worthwhile.

Using life insurance in this way doesn’t work for everyone, but John Hancock does have some benefits for those looking for life insurance with more options.

Read on to learn more about the John Hancock life insurance company. For free quotes from top life insurance companies, enter your ZIP code into our free comparison tool above.

Is John Hancock life insurance good?

John Hancock does not make it into our list of 10 best life insurance companies. Still, everyone has different needs regarding insurance, and John Hancock life insurance may fit your situation better than any other company.

John Hancock has good financial ratings and generally favorable customer service reviews. It is rated A+ in financial strength, according to A.M. Best.

The company does suffer a little when it comes to its actual policies. The selection of life insurance policies is somewhat limited, and John Hancock’s policies do not have permanent coverage. Instead, they are offered in 10-, 15-, or 20-year terms.

Pricing for policies and customer satisfaction levels are lower than other life insurance companies as well. The average John Hancock life insurance rates are $28.61 per month for those in their 30s, and it goes up as age increases. Chances are you can find better deals elsewhere, but don’t discount John Hancock quite yet; there are discounts and other features that may make it worthwhile to buy John Hancock life insurance.

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What discounts does John Hancock offer?

There is affordable John Hancock life insurance through discounts and incentive programs worth taking a look at.

The first program that John Hancock offers is a Quit Smoking Incentive. If you currently smoke, you can still get the same rates as a non-smoker for the first three years of the policy.

Once the three-year point has arrived, you must prove that you have stopped smoking for 12 consecutive months, or the rates will be switched to those currently offered for smokers. This is a great deal for people who are committed to stopping smoking for good.

John Hancock also offers different vitality programs. With these, there are some perks. You can get things like a free Fitbit, cashback rewards, and even a free one-year Amazon Prime membership.

John Hancock may be a good fit for those living a healthy lifestyle or hoping to make a change to living a healthy lifestyle.

Does John Hancock offer retirement planning?

Another great feature of John Hancock is that it also offers retirement planning. The company has all kinds of advice in terms of strategies, including John Hancock 401k advice. It’s free to make an account through the John Hancock 401k login.

Visitors can make a free account at the John Hancock login screen, which only requires basic identification information to get started. Even if you ultimately decide not to go with any of the John Hancock life insurance quotes, there’s still good advice worth taking a look at.

Hopefully, this John Hancock life insurance review was helpful. If you need to buy life insurance, enter your ZIP code into the box below. You can compare quotes to see which ones work best to suit your needs.