Protect your family's future

Life insurance is more affordable than you think — as low as $15/month*

It's easy to give your family peace of mind

No medical exam

Just a few health questions for qualified applicants.

Fast decision

Apply online in minutes, and find out if you’re approved in 3-5 days.

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We’ve been protecting families for more than 150 years.

It’s the simplest – and most affordable – type of life insurance you can buy. It protects your family for a set term (or period of time, like 10, 15 or 20 years). You decide how long you want to be covered, and how much money your family would need if something happened to you during that time.

With level term insurance, your premium is the same for the duration of the term period (10, 15, or 20 years). That means you pay the same amount each month – which makes it easy and convenient.

Think about the financial commitments your family would face without you. Would they be responsible for paying the mortgage or putting kids through college? Would they need full-time help with young children at home, or would older parents need assistance? Could they cover immediate expenses, like monthly bills and funeral costs?

Many people underestimate the amount of coverage they need. As a general rule, you’ll want to plan for an amount that’s equal to 5-10x your income.

Most people do. If you have loved ones who depend on your income now or may in the future – a spouse, children, elderly parents – you’ll want to protect them from financial hardship if they have to go on without you.

Even if you already have life insurance, it’s a good idea to update your coverage from time to time, and especially after major life events like getting married, buying a home or having a child.

Our easy online application takes about 15-20 minutes to complete. Be sure to have the following information on hand:

  • Driver’s license
  • Social security numbers for you and your beneficiary(ies)
  • Bank information
  • List of medications you take on a regular basis, and the doctors that prescribe them

Unlike life insurance through work, you can sign up for coverage through John Hancock anytime. That’s the benfit of an individual policy. Other benefits include:

  • More coverage — get up to 10x your salary vs. only 1-2x free coverage through work.
  • Same low rate — with your own policy, your rate won’t change.
  • Take it with you — if you leave your job, individual life insurance stays with you.

Best of all, your own policy is often more affordable than policies through work.

Our strong ratings, as judged by the major ratings agencies, are a measure of our financial strength and stability. That’s important when you’re choosing a life insurance company – you want a partner who will be there for your family if the time ever comes.

With over 150 years of experience, we’ve protected generations of American families – and we’ll be here for yours, too.

More questions? Your licensed Coverage Coach has answers.

We’re here to guide you through your options and customize a policy just for you. Your call is free and there’s no obligation.

If you need expert advice, give our Coverage Coaches a call.