John Hancock Life Insurance Company Information

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
Legal Information

COMPANY UNDERWRITING GUIDELINES(back to top)

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

Legal Information

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