John Hancock Life Insurnce

Vitality
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​Simple Term Life Insurance

Life Insurance is not complicated or expensive when you work with one of our licensed sales representatives. Let's explore options to protect your loved ones.

  • ​Please review this illustration or illustrations for accuracy. Please confirm that the inputs are as requested, for example, the Insured's Sex, Date of Birth, Risk Class, 1035 cash value amount etc. are correct.  After your review, if you have any questions or there are any inaccuracies with the illustration, it is incumbent upon you to contact the National Sales Support Team at 888-266-7498, option 2 or me directly to make the necessary adjustments. 
 
***If applicable: These illustrations were run under the assumption that you have confirmed all of the conversion information with our brokerage area, and you have verified that the actual term policy is convertible. If you have not verified this information, please do so by calling 800-505-9427, option 1. 

Longer term durations — now offering 25- and 30-year Term
​Higher face amounts — provide clients with up to $500,000 in coverage
New Tele-app process, an easier and faster application process

New website features on 

Product Material 


  • Field underwriting made easy— now includes build chart up to 42 BMI

Consumer Material


  • Leave a lasting impression— customize the "You own a policy" flyer with your photo, contact info and policy details, and leave it with your client for handy reference

Don't forget to get contracted

We generate Simple Term Leads 

Click to call at 8886046620

What is Life Insurance?

Life insurance pays out a sum of money either on the death of the insured person or after a set period of time.

Common Types of Life Insurance

Term Life Insurance
  • Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
Whole Life Insurance
  • Whole life insurance, or whole of life assurance, is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy.
Universal Life Insurance
  • A type of permanent life insurance. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees which are drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate of 2%. When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is a "Equity Indexed Universal Life" contract.
Variable Universal Life Insurance
  • Variable Universal Life Insurance is a type of life insurance that builds a cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the contract owner. The 'variable' component in the name refers to this ability to invest in separate accounts whose values vary—they vary because they are invested in stock and/or bond markets. The 'universal' component in the name refers to the flexibility the owner has in making premium payments. The premiums can vary from nothing in a given month up to maximums defined by the Internal Revenue Code for life insurance.

    Contact us to learn more about the right life insurance for you.
(888) 604-6620​
El Centro, CA 92243
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