Carrier Ratings

A+ (Superior)

AM Best Rating

Analysis Report AM Best

A (Excellent)

Standard & Poor Rating

Available Life Products

Term Life Insurance

John Hancock offers guaranteed term insurance policies for 10 - 15 - 20 and 30 years. Premiums are guaranteed for the life of the term policy.

Variable Life Insurance

For those of you who are more market savvy and prefer the ability to build tax-free wealth tied to the performance of the market, John Hancock has several VUL policies that may suit your needs.

Universal Life Insurance

John Hancock offers traditional flexible permanent universal life products.


John Hancock offers this flexible universal life product that allows you to accumulate wealth within the S&P 500 without the negative risk associated with the market.

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No-Exam Options

John Hancock allows those who are age 60 and under the ability to purchase up to $3 million of life insurance without a medical exam.


Available Riders

Vitality Plus Program

This program can reward you for living a healthy lifestyle. By adding Vitality to your policy you may qualify for the latest Apple Watch for only $25 plus tax plus other savings and benefits. Check out John Hancock’s Vitality Apple Watch program here.

Terminal Illness & Critical Illness

Where available, this rider allows you to accelerate your benefit for terminal & Critical illness for up to 50% of your death benefit with a maximum of $1 million.


Where available, this rider credits the cost of your policy in the event of your Total Disability.

Unemployment Protection

Where available, this rider can be added for an additional fee. This rider will waive your premium if you become unemployed and may be used twice during the duration of your policy.

Conversion Options

John Hancock allows you to convert your policy up until your age of 70. Certain conversion restrictions may apply.

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Have Questions?

Ask Wandy!

Sometimes we want answers right away and we don’t want to speak to a live person. That’s why Wandy is here. Wandy is your virtual insurance agent and he’s here to help. Click here to visit with Wandy now.

Live Agent Support

You might not always want to do everything on your own. So if you’ve got questions, PolicyWand agents are here to help. Feel free to call or text at 321-521-4340 or you can chat with us by clicking here. Don’t worry, our agents aren’t commissioned so this won’t feel like a sales interaction. We’re simply here to help!

Life Insurance Calculator

Not sure how much life insurance you need? Try our EZ Calculator tool by clicking here. If you want a more custom life insurance evaluation you can click here for our more comprehensive calculator tool.