Cancel Your John Hancock Life Insurance Policy Online or by Phone

You can learn how to cancel John Hancock life insurance in less than five minutes. John Hancock is one of the few companies that allow policyholders to cancel life insurance online, but learning how to cancel John Hancock's life insurance is half the battle. While John Hancock's cancellation is pending, you'll need to secure a new life insurance policy. Shop around and compare multiple companies to get the best rates.

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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: Nov 29, 2021

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Quick Facts

  • You can cancel John Hancock insurance policies online
  • The John Hancock Insurance Company provides insurance and investment products
  • You can use the surrender value from your permanent life insurance policy to buy term life insurance

Do you want to learn how to cancel John Hancock life insurance? Canceling John Hancock insurance is easier than canceling policies with some of the best life insurance companies in the nation.

But how do you cancel John Hancock insurance? How can new and current customers learn how to cancel John Hancock long term care insurance? Don’t worry — we’re here to answer your questions.

Read our guide to learn how to cancel John Hancock life insurance, which life insurance companies have the best term life insurance quotes, and when you should cancel a life insurance policy.

Once you learn everything about how to cancel John Hancock life insurance, enter your ZIP code in the free online quote tool above to compare multiple insurance companies near you.

Can you cancel John Hancock life insurance by phone?

John Hancock does not detail how you can cancel life insurance by phone. However, you should still call John Hancock customer service at (888) 333-2659.

Anyone who purchased a John Hancock life insurance policy before December 31, 2004 should call (800) 732-5543 for more information on how to cancel their insurance policy.

Representatives are available Monday through Friday, 8 a.m. to 6:00 p.m. EST.

Your life insurance quotes are always free.

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How do you cancel a John Hancock life insurance policy online?

You can learn how to cancel a John Hancock life insurance policy in a few short steps.

Here’s a step-by-step guide that explains how you can cancel John Hancock policies online.

  • Step #1 – Go to the John Hancock website
  • Step #2 – On the left banner, scroll over “Help center” at the bottom left
  • Step #3 – Click “Life insurance”
  • Step #4 – Click the “Find a form” box
  • Step #5 – In the “Online forms” row, look for a link called “Surrender request”
  • Step #6 – Click “Surrender request” to open the DocuSign window
  • Step #7 – Fill out the form online and sign the document electronically

It could take a week for John Hancock to contact you about your cancellation request. If you made any changes to your address within 30 days, John Hancock requires you to notarize the cancellation form.

However, it takes even longer for your cancellation to become final. Most life insurance policies are canceled 30 days after you file a surrender form.

Can you cancel John Hancock life insurance by mail?

John Hancock’s website does not state whether you can or cannot cancel a life insurance policy by mail. If you choose to cancel by mail, send a statement to John Hancock’s address.

Regular Mail
Life Post Issue Services
John Hancock Insurance Co.
P.O. Box 55979
Boston, MA 02205

Overnight Mail
Life Post Issue Services
410 University Avenue
Suite 55979
Westwood, MA 02090

Be sure to include your name, address, and policy number in your cancellation request. To send your John Hancock cancellation faster, use express mail.

How do I switch from John Hancock life insurance to another policy?

Learning how to cancel a John Hancock life insurance policy isn’t the only thing you need to do. You’ll also need to get another policy to prevent a significant coverage gap.

While you wait for your John Hancock policy to cancel, you can begin shopping for a new reliable life insurance policy.

Start getting life insurance quotes from the best competitors.

Here are the top life insurance companies in the United States and their average monthly rates for term life insurance.

Average Monthly Life Insurance Rates by The Best Life Insurance Companies
CompanyAverage Monthly Life Insurance RatesA.M. Best Rating
Allstate$15A+
Banner Life$9A+
Guardian Life$10A++
Haven Life$11A++
John Hancock$11A+
MassMutual$10A++
Mutual of Omaha$12A+
Nationwide$13A+
New York Life$11A++
Northwestern MutualN/AA++
Pacific LifeN/AA+
PrimericaN/AA+
Principal$9A+
Protective$9A+
Prudential$16A+
State Farm$15A++
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Banner Life, Protective, and Principal have the cheapest term life insurance rates. However, your rates may vary.

Several factors determine whether affordable John Hancock life insurance is available to you. The same goes for life insurance rates at other companies.

Look for life insurance companies that have equal or better A.M. Best ratings.

Once you find a life insurance company that works for you, purchase a life insurance policy and start your coverage before your John Hancock insurance ends.

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Will I receive a refund from John Hancock life insurance?

It depends on when you cancel the policy and what life insurance riders you have attached to your policy.

If you cancel your life insurance policy within the free-look period, you can receive a refund. But you won’t get a refund if you cancel after the free-look period has expired.

However, a term life insurance policy with a return-of-premium rider provides a refund equal to the payments you’ve made during the term life insurance policy.

Can I receive a refund from John Hancock permanent life insurance?

Refunds from permanent life insurance can come from the return-of-premium rider and the surrender cash value.

John Hancock’s fees and other costs will be deducted from your accumulated cash value. The money you receive from permanent life insurance is known as the surrender cash value.

Can you cancel John Hancock life insurance at any time?

Yes, you can. If you received John Hancock life insurance quotes and bought a policy, but then found better quotes elsewhere, you can cancel within the free-look period with no penalties.

Even if you’ve had your policy for a while, you have an option to cancel any time you want.

How do you cancel John Hancock long-term care insurance?

Contact John Hancock’s long-term care insurance department at (800) 377-7311 and let them know you want to cancel your long-term care insurance policy.

How to Cancel John Hancock Life Insurance: The Bottom Line

John Hancock is one of the few life insurance companies that allow you to cancel your policy online.

If you’re not comfortable with an online form, you can contact a John Hancock representative and request an alternative way to cancel.

Before you cancel, check out our John Hancock life insurance review to learn more about the company.

But if you’re done learning about how to cancel John Hancock life insurance, enter your ZIP code in the free online quote tool below to compare multiple insurance companies in your area.

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Frequently Asked Questions: How to Cancel John Hancock Life Insurance

Do you want to learn more about John Hancock life insurance? Read these answers to frequently asked questions to learn more.

#1 – How much is John Hancock life insurance?

It depends. A 10-year term life insurance policy with a $100,000 limit is about $11 a month. However, John Hancock’s life insurance policies with a 10-year term and a $1 million limit are $34 a month.

#2 – What products does the John Hancock Life Insurance Company have?

John Hancock provides annuities, college savings, group annuities, life insurance, investments, retirement services, rollovers, safe-access accounts, and travel insurance.

#3 – Who owns John Hancock?

Manulife Financial owns John Hancock.

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