American National vs. John Hancock: Best Life Insurance Company in 2021

Comparing American National vs. John Hancock life insurance can be hard. Both are rated highly with "A" or better ratings with A.M. Best, but John Hancock has better reviews. American National beats John Hancock as it offers coverage in all of the 50 states. Compare American National vs. John Hancock life insurance features to see which provider is best for you.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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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: Jul 19, 2021

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Quick Facts

  • American National offers coverage in all 50 states, plus Puerto Rico
  • John Hancock is slightly more well-reviewed by A.M. Best than American National
  • American National has a higher number of customer complaints than average

Have you narrowed down your life insurance options to American National vs. John Hancock? 

If you have, you know looking for life insurance can be hard. Questions like how much do the premiums for life insurance cost? What policies are there? How much life insurance do you need? All these make a choice so much more difficult. 

No need to worry. This article will compare American National vs. John Hancock life insurance rates, insurance products, and ratings from third parties.

Curious about how affordable American National vs. John Hancock life insurance could be for you? Keep reading. Then compare life insurance quotes from local companies with our free tool above. Enter your ZIP code to get started.

American National vs. John Hancock: Which is more well-reviewed? 

One factor to consider when comparing insurers is a company’s A.M. Best ratings.

When it comes to the ability of both companies to meet their insurance obligations, the A.M. Best rating for American National Life Insurance is A (Excellent). The A.M. Best rating for John Hancock Life Insurance is A+ (Superior). 

So, although both companies are rated highly, John Hancock comes out on top.

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American National vs. John Hancock: Which company has more life insurance products?

Consumers can choose from a wide range of life insurance products offered by American National.

Term life insurance, whole life insurance, universal life insurance, indexed universal life insurance, and guaranteed universal life insurance are among the company’s products. To find out more, read our American National Life Insurance review

John Hancock offers term life, permanent life, and guaranteed-issue whole life insurance. It also offers coverage for people with diabetes through its Aspire program.

In terms of the numbers, American National offers more types of life insurance. To find out which might have the most affordable life insurance for you, check rates in your area now.

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American National vs. John Hancock: Which company has more complaints?

For life insurance, American National received more than the expected number of complaints to state regulators in relation to its size. This is according to data from the National Association of Insurance Commissioners (NAIC).

According to three years of data from the NAIC, John Hancock received fewer than the expected number of complaints to state regulators for a company of its size. 

Also, in J.D. Power’s 2020 U.S. Life Insurance Study,  John Hancock ranked 17th out of 23 companies for overall customer satisfaction.

So if you’re looking to buy John Hancock life insurance based on how happy their customers are, you’re in luck.

Special features: American National vs. John Hancock

One feature that separates John Hancock life insurance from its competitors is its Vitality program, which rewards healthy behavior with discounts, free subscriptions, and discounts on fresh produce.

It could also be the top choice for life insurance customers with diabetes. Two-thirds of people with diabetes who applied to John Hancock were approved for coverage. 

American National is available in all 50 states as well as Puerto Rico. Benefits and premiums on its universal life policies are flexible, and you can increase or decrease them as needed.

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American National vs. John Hancock: What’s the bottom line?

John Hancock has a better independent rating and fewer complaints from customers. American National has a broader range of coverage.

Whether you’ve decided to buy American National life insurance, buy John Hancock life insurance, or your search for the best life insurance company continues, we can help.  Find out how much you could be saving on life insurance right now by entering your ZIP code below.

Frequently Asked Questions: American National vs. John Hancock

#1 – How can I find my John Hancock insurance login or American National login?

On the John Hancock insurance website, look for the Sign In button. Then choose life insurance in order to log in to your account. On the American National site, find the Log In button and click on it. 

#2 – Does either company offer other types of insurance?

Yes, both do. Of particular interest is John Hancock long term care insurance. American National is a good choice for bundling insurance since they offer auto, home, and renters insurance.

#3 – Can you file American National and John Hancock claims online?

John Hancock allows its customers to submit a claim online. From the John Hancock website, click on My Policy. You’ll see the section called Life Insurance, from which you can click on Manage a Claim to start the process.

American National only allows you to file a claim online for its home and auto insurance. 

As an alternative, you can file by phone using the toll-free number 24 hours a day, seven days a week. You can find the American National life insurance phone number on the company website.

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