John Hancock Life Insurance

John Hancock Life Insurance

John Hancock Life Insurance Through Finley Davis 

If you have family members who count on your financial support, it’s important to select a life insurance policy that will support them after your passing. There are many terrific insurance policies designed to meet your needs when it comes to caring for your family. John Hancock life insurance through Finley Davis offers various policies that can help you thrive today and stay prepared for tomorrow. 

John Hancock Term Life Insurance Policies

John Hancock offers term life insurance policies to provide financial protection for a set period. You may purchase a term life policy for 10, 15, 20, or 30 years. 

Term life policies are often the best fit for individuals ages 18-80 who want life insurance to replace income, pay for higher education, cover final expenses, or protect their family’s home through mortgage protection. Term life insurance offers coverage amounts ranging from $750,000- $65 million.

Benefits of Term Life Policies

Term life policy options offer lower monthly premiums than permanent life insurance. They can also convert to a permanent life policy before the coverage period ends. In addition, you’ll receive rewards, including potential premium reductions for making healthy living choices, with the John Hancock Vitality program. Other rewards you can earn include discounts on subscriptions, fitness devices and retail discounts. 

Permanent Life Policies 

Finley Davis also offers John Hancock permanent life policies. This life insurance option includes universal life insurance, variable universal life insurance, and indexed universal life insurance. All three types of permanent life insurance offer flexibility so you can customize the policy to your liking. 

Permanent life policies, as their name implies, offer lifetime coverage. These policies are often attractive to those who want to supplement future income, enjoy tax-deferred growth potential, and are legacy planning. Permanent life insurance policies are available for people as young as three months, up to 90 years old. 

Universal Life Insurance 

John Hancock universal life insurance policies offer you the control to customize the cost and timing of your premiums. These policies also provide the potential to accumulate cash value.

Variable Universal Life Insurance 

Variable universal life insurance is a form of permanent life insurance that can allow for the greatest cash value growth. It also allows you to withdraw or borrow from your policy. You may customize your investment subaccount options and transfer funds between subaccounts as your financial strategy evolves. 

Indexed Universal Life Insurance 

This type of policy is similar to universal life policies. You will enjoy a great deal of payment flexibility, along with the opportunity to increase the cash value of the policy. You can also borrow and withdraw money from an indexed universal life insurance policy. 

Benefits of Permanent Life Insurance

Permanent life insurance can provide your family with a safety net upon your passing. The policies do not expire (assuming premiums are paid), and protection is customized to meet your needs. Permanent life insurance grows in value over time, allows flexibility for premium payments, and allows for loans or withdrawals. Permanent life insurance may also provide unique tax advantages. 

Meet with Finley Davis to Learn More

Finley Davis is an independent financial firm that offers various personal and business services, such as wealth management, asset protection, estate planning and more. To schedule a consultation with Finley Davis, contact us today.

Variable life insurance is sold by prospectus. Please consider the investment objectives, risks, charges, expenses, and your need for death-benefit coverage carefully before investing. The prospectus, which contains this and other information about the variable life policy and the underlying investment options, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

The investment return and principal value of the variable life policy are not guaranteed. Variable life sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the policy is surrendered.

Life Insurance policy issuance subject to medical and financial underwriting. Policy loans subject to interest rates per terms of the insurance contract. Loans and withdrawals reduce death benefits.