Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 4, 2020

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John Hancock Life Insurance makes our list as one of the best life insurance companies to choose from by Top Quote Life Insurance.

They are a highly-regarded company to provide insurance needs to millions of customers every year.

Want to learn more about John Hancock Life Insurance and why we ranked it so high on our list? Continue reading on to discover how the John Hancock plan is a competitively priced product that you should invest in for you and your family.

Looking to compare life insurance prices? We can help. Enter your ZIP code to get free quotes from multiple insurers.

Table of Contents

A Brief History of John Hancock Life Insurance

Why you should consider purchasing coverage from John Hancock Life Insurance?

As winners of the Most Innovative Insurer award from the Insurance Innovation Awards, John Hancock is known as a company with top of the line insurance plans.John Hancock Life Insurance Logo

The insurance company offers life insurance, mutual bonds, retirement plan services, college savings plans, and long-term care insurance.

John Hancock Insurance was founded in 1862. The company is named after Patriot John Hancock. He was an American Revolution leader during the era of the Sons of Liberty. He signed the Declaration of Independence and was the governor of Massachusetts in 1776.

Over the years, the ownership of John Hancock Insurance has changed. Back in 2003, Manulife Financial Corp acquired the company for $10.4 billion dollars and continues to run it today.

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Vitality Life Insurance for a Healthy Lifestyle

John Hancock offers some discounts on life insurance policies if you live a healthy lifestyle.

The product you will be interested in is the John Hancock Term Life Insurance with Vitality. There are perks to becoming apart of this program. People from ages 20-70 are eligible to join the Vitality program.

Once you check off healthy activities from a list of options, including working out and watching informative videos online, you will earn points. Over time these points will bump you up in rankings from Bronze to Silver, Gold, and eventually Platinum.

As your status increases, so will your opportunities to reap the benefits.

This company has partnered with other companies such as Hyatt, Royal Caribbean, and Whole Foods. As a member of the John Hancock Life Insurance Vitality plan, you’ll be eligible to find great discounts on these travel and entertainment excursions.

If you continue to do your best at staying healthy, you can reduce the monthly premium cost you pay for this specific life insurance. That is definitely a great factor to consider if you plan on looking into a life insurance plan that rewards your good lifestyle.

Tracking your progress throughout the year is also made easier because the company sends you an electronic Fitbit device.

The Fitbit devices are wearable gadgets for you to see how much sleep you get every night and how many steps you walk every day. If you own an iPhone, you can also qualify for an Apple iWatch for as little as $25.

This information will be imperative to send over to the insurance company to prove your healthy habits have lasted the entire year.

Life Insurance from John Hancock Is Great for Active People

Give your family immediate access to funds available just in case of an emergency situation at the time of your death.

Life insurance can provide your family with peace of mind once you pass.

If you are an active person, your life insurance cost can be lowered if you have constantly taken care of your body over the years.

Your current health can also play an important role in determining how expensive your monthly premiums will be each month. Read on to learn more about the rewards associated with living a healthy life.

John Hancock Life Insurance Covers Health Ailments

Life insurance is often based on the health conditions you face at the present time in your life.

Don’t hesitate to read our helpful FAQ page to understand more about your life insurance options even if you are not in perfect health. You have plenty of opportunities to find premiums that can accommodate your health status.

Lucky for you, companies are willing to take your medical history into consideration for creating a policy that adheres to your lifestyle. If you are worried about your health risk classification, John Hancock is known for offering insurance rates to people living with riskier medical ailments today.

People with HIV

One of the latest changes to the John Hancock Life Insurance coverage is that people with HIV can qualify for instant quotes for life insurance from the company. This is a new trend that first started back in 2015 with another insurance company, Prudential.

The criteria to qualify for life insurance under John Hancock includes the following:

  1. The person must be between the ages of 30 to 65
  2. Follow antiretroviral therapy
  3. Have an immune system that is not weakening

People Diagnosed with Diabetes Type II

Another health condition that the John Hancock Life Insurance products can benefit is people living with diabetes.

There are preferred rates for people diagnosed with type 2 diabetes if he or she is above the age of 60 and is already treating the medical condition with oral medication along will good doctor follow-ups and a1c readings.

John Hancock also offers very competitive rates for individuals over the age of 50 that have been diagnosed with type 1 diabetes. The medical condition must be well controlled without complications and good doctor follow-ups.

This company receives an excellent rating for covering patients with diabetes.

High Blood Pressure

If the condition is controlled and monitored with medical attention, people who have high blood pressure can receive unique rates. This company receives an excellent rating for covering patients with high blood pressure.

Parkinson’s Disease

One other health condition that John Hancock provides coverage for is people with Parkinson’s disease. This medical condition is a movement disorder that affects millions of people in America.

For individuals over the age of 60 with mild to moderate symptoms that are fully active and living independently with no complications and compliant with medication can expect very competitive rates compared to many other companies.

If you are someone who is over the age of 80 and has mild symptoms of this disease, then consider choosing John Hancock as your life insurance insurer for adequate rates to fit with your lifestyle.

We Want to Hear From You!

We hope you enjoyed reading our detailed article pertaining to the John Hancock Life Insurance company. John Hancock is certified as a top-rated carrier for people living healthy lifestyles and those living with many health conditions that range from high blood pressure to diabetes.

Our helpful and knowledgeable staff at Top Quote Life Insurance is ready to answer your questions at any time of day.

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