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John Hancock Life Insurance Company Information

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John Hancock Life Insurance Company
John Hancock Life Insurance Company
 
 
Name: John Hancock Life Insurance Company
Description: John Hancock is a unit of Manulife Financial Corporation, a leading Canadian-based financial services group serving millions of customers in 19 countries and territories.
Website:
Customer Service: 1-800-732-5543
Address: 197 Clarendon
Boston, MA 02117
Offered by QuickQuote in: All states except for NY
Year Founded: 1862
AM Best Rating: A++ as of 2007
S&P Rating: AAA

Included Term Life Product Features
Accelerated Death Benefit Rider: Included with no extra premium. This rider allows you to receive a living benefit in the event of a terminal illness that reduces the Isured's life expectancy to one year or less.

Up to 50% of the death benefit may be received, reduced by one year's interest at current rates, to a maximum of $1 million dollars. Not available in OR.

Conversion Option: Included with no extra premium. Policy can be converted to any available John Hancock permanent life insurance policy. Conversion is allowed to the earlier of 10 years from the date of issue or age 75. Please email or call for details.

Optional Term Life Product Features
Total Disability Waiver: Available with extra premium. The rider protects the insured in case of total disability. In the event of total disability, the rider waives the premium up to a $5,000 per month maximum. If disability occurs before age 60, the premiums are waived until the earlier of age 94 or recovery of disability. If disability occurs after age 60, premiums are waived until age 65.

Issue ages are 20-55. The rider terminates at age 65. Please email or call for details and premium rates.


Other Information
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John Hancock Term 10
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10-year term life insurance with premium rates guaranteed to remain level for 10 years.
John Hancock Term 15
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15-year term life insurance with premium rates guaranteed to remain level for 15 years.
John Hancock Term 20
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20-year term life insurance with premium rates guaranteed to remain level for 20 years.
John Hancock Term 30
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30-year term life insurance with premium rates guaranteed to remain level for 30 years.
 
 
Below is a table showing the rating class you would most likely fit into based on an answer to an underwriting guideline question. Remember this is only a guide and actual underwriting guidelines and class are determined at the time of underwriting. If you are classified as a tobacco/nicotine user, the classes available to you will be Preferred Tobacco and Standard Tobacco.
  Super Preferred Preferred Standard Plus Standard Preferred Tobacco Standard Tobacco
Have any of your natural parents or siblings died prior to age 60 due to Cancer or Coronary Artery Disease (heart attack, stroke, hypertension, etc.). No Yes, 1 death   Yes, > 1 death    
What is your history of tobacco/nicotine usage? None in last 5 years None in last 2 years   None in last 1 year Current User  
Are you an occasional cigar smoker? No Yes, < 12 cigars per year     Yes, > 12 cigars per year  
What is your highest blood pressure reading in the past two years? Age 51-70, <140/90 Age 51-70, <145/90   Age 51-70, <150/90    
What is your current cholesterol level? Age 51-70, <250 Age 51-70, <270   Age 51-70, <300    
What is your current Cholesterol/HDL ratio? Age 51-70, <5.0 Age 51-70, <5.5   Age 51-70, <6.5    
Do you have a history of or received treatment for any of the following conditions: Coronary Artery Disease, Cancer, Cerebrovascular Disease or Diabetes? No     Yes    
Do you have history of or received treatment for depression in the past 5 years? No     Yes    
Do you have a history of alcohol/substance abuse? No     Yes, < 10 years ago    
Do you have any recent motor vehicle driving violations? Yes, 1 in past 2 yrs Yes, 2 in past 2 yrs   Yes, 3 in past 2 yrs    
Do you have any convictions for DUI or reckless driving? Yes, > 10 yrs ago Yes, between 5 and 10 yrs ago   Yes, < 5 yrs ago    
Do you currently participate in hazardous activities such as hang gliding, parachuting, motorized racing or scuba diving? No     Yes    
Do you participate in private aviation? Yes, but not within last 12 months Yes, have 300 hours experience and fly 25-200 hours yearly.   Yes, <300 hours experience and fly <25 hours yearly or >200 hours yearly.    
 
* - Tobacco classes depend on current or past tobacco use. See the table below for specific tobacco usage policies for John Hancock Life Insurance Company.
None in last 5 years You may qualify for Super Preferred
None in last 4 years You may qualify for Preferred
None in last 3 years You may qualify for Preferred
None in last 2 years You may qualify for Preferred
None in last 1 year You may qualify for Standard
Never You may qualify for Super Preferred
Current User You may qualify for Preferred Tobacco
 
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