John Hancock Life Insurance Company has been serving its clients for over 150 years. With 3.5 million policyholders, they are a name that is trusted by many.
When you purchase a life insurance policy, you want to be confident the company will be around many years into the future to pay out claims in the event of a death. John Hancock pays out over $2.3 billion annually in claims.
Financial strength rating agencies all agree that JH is on solid footing. A.M. Best, Moody's, S&P, and Fitch all assign very good marks for stability and solvency.
John Hancock is strict on their underwriting for non-med policies and only considers people in excellent health. Because of this, the approval process is rather quick and mostly digital.
What they will check:
Included at no cost, John Hancock allows for conversion to permanent or whole life policy before the 10th anniversary of policy issue. Even if you have developed health concerns, these will not affect your eligibility for conversion.
Due to the way the John Hancock Vitality no medical exam product works, it's very difficult to provide accurate sample rates. The premiums are based in part on the level achieve within their health point system for doing things like exercising, visiting the doctor regularly, and getting flu shots.
These levels are Bronze, Silver, Gold, and Platinum. People who earn points and stick the with program will keep moving up in levels and watch their rates go down.
If you are interested in a quote, contact our office. Feel free to submit a quote form to look at other no exam rates and companies. When we contact you, mention you are interested in John Hancock.
There a TONS of other companies that offer no medical policies as well. It's worth exploring the options and differences to make sure you choose right.
The best way is by working with an independent life insurance broker who is:
We do all the above and more. If you'd like to have a no pressure talk about options, please contact us or fill out the quote request form on this site.