Term life insurance

Term insurance is straightforward, affordable and easy to understand. It is specifically designed to secure your family needs if an income earner dies unexpectedly. Term plans offer guaranteed protection for a specific period of time, and can help provide for a family's loss of income, cover short-term debts and even help pay off a mortgage or fund a college education.

Before you purchase term life insurance, you may want to consider the following:

  • Term life insurance provides straightforward death benefit protection without a cash value accumulation potential component.
  • Should your needs change, you may be able to convert your term life insurance policy to permanent life insurance, giving you lifetime protection with the opportunity for cash value accumulation potential.

Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

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 Term vs. permanent life  insurance

Click this quick reference chart
to help you understand the
value of both.


Insurance policies and/or associated riders and features may not be available in all states. Insurance products are issued by John Hancock Life Insurance Company (U.S.A),197 Clarendon Street, Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, 100 Summit Lake Drive, 2nd floor, Valhalla, NY 10595.