John Hancock offers strong financial strength, solid long-term performance, and standout renewal rates, making it a steady and dependable choice — especially for buyers who value stability once their policy is in place.
Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.
Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.
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John Hancock ranks No. 11 in our 2026 list with an overall score of 4.36 out of 5. It may not land in the top few spots, but it stands out in a way that matters to real policyholders — people who buy coverage from John Hancock tend to stay with the company for the long haul. That level of loyalty shows that customers feel supported, trust the coverage they have, and believe the company will deliver when it counts.
The company’s biggest strengths are its strong financial ratings, steady long-term performance, and an experience that feels reliable even if the everyday satisfaction scores aren’t the highest in our rankings. Customers who choose John Hancock often remain with it because the coverage feels stable and dependable, two qualities that matter when you want a policy that will protect your family over many years.
John Hancock’s strengths really show up once your policy is in place. Its billing process is highly rated, which indicates that most policyholders can easily make payments and check their accounts. Even though its customer satisfaction score isn’t the highest, people who stay with the company tend to have a steady, predictable experience.
Its ease-of-service score is solid, and its policy-offering score is one of the strongest in the group, which means it gives shoppers a flexible mix of coverage options without making the process confusing.
Here’s how John Hancock compares to its competitors:
John Hancock stands out in the areas that measure long-term confidence. A majority of customers say they would recommend the company, most say they trust it, and nearly everyone in our survey plans to keep their policy. That kind of loyalty says more than any single satisfaction score — it reflects how people feel after years of experience with the company.
These results suggest that once someone becomes a John Hancock policyholder, they remain with it. Customers trust the company to be there during major life moments and to handle claims with the stability and financial strength they expect. It’s the kind of loyalty that builds over time, and the numbers show that John Hancock earns it.
John Hancock tends to resonate more with middle-aged and older buyers, who value stability, long-term planning, and financial strength. Younger adults give lower satisfaction scores, which may be tied to a more traditional structure compared to competitors.
John Hancock’s average annual premium is $349, over 9% less than the industry average of $382. That makes it a competitive option for shoppers who want a financially strong company without paying top-tier prices. For long-term planners, that cost difference is meaningful, especially across 20- or 30-year terms.
John Hancock offers several policy types that appeal to long-term planners and families looking for flexible protection:
These riders allow buyers to customize coverage based on their life stage, family needs, and long-term goals.
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Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through independent research firm Dynata. Customers named their life insurer and rated it on customer satisfaction, ease of service, policy offerings, billing, and their experience across different applicant types (seniors, middle-aged adults, young adults, people with pre-existing conditions, people who are overweight, and people who prefer no-exam coverage). We also asked whether they planned to keep their policy, would recommend their insurer, and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to determine each company’s final score:
Each insurer received a rating between 0.5 and 5 stars, with 5 stars representing the highest performance.