John Hancock LIfe Insurance Company

April 21, 1862: the charter of the John Hancock Mutual Life Insurane Company is approved by Massachusetts Governor John A. Andrew. He approved the charter becausee John Hancock was Governor of Massachusetts and a prominent citizen. He lived in the Beacon Hill area which stood beside The Massachusetts State House.

John Hancock begins as a four-person operation at the back of 41 State St. in Boston.

January 1, 1864: the company’s first annual report is issued, showing 176 outstanding policies representing $332,700 of insurance as of November 1, 1863.

John Hancock Distributors begins marketing to the general public fund shares of two separate mutal funds: John Hancock Signature Fund and John Hancock Growth Fund.

The New York Times places John Hancock on its list of the “100 Most Powerful Corporate, Media and Product Brands of the 20th Century.”

John Hancock shareholders overwhelmingly approve a merger with Manulife Financial Corporation, the largest Canadian life insurer. On April 28, 2004 the merger became official.

John Hancock has 98% brand recognition among the affluent market and 94% overall brand recognition according to Chadwick Martin Bailey Study. John Hancock completes the realignment of its U.S. legal entities and moves forward with three insurance companies supporting customers and distributors, including the flagship company, John Hancock Life Insurance Company (U.S.A.).

Life Insurance Products

Life insurance is an important component of any sound financial plan. It can provide financial protection for your family—or your business—in the event of your premature death. At John Hancock, we offer a comprehensive portfolio of life insurance products that have been designed to be extremely competitive and provide real value. Whether you are looking for guaranteed death benefit protection, low-cost coverage or consistently strong cash value accumulation potential, John Hancock has a product to meet your needs!

Term Life Insurance

Term life insurance provides guaranteed coverage for a specified time. John Hancock’s term life insurance product and optional riders are an affordable way to prevent financial hardship should you die suddenly or be diagnosed with a terminal illness. With John Hancock’s term you can take advantage of:

• Guaranteed level premiums for 10, 15 or 20 years
• Guaranteed conversion option to John Hancock’s permanent products
• Guaranteed level death benefit

Universal Life Insurance

John Hancock’s universal life insurance is permanent insurance that offers customizable and flexible solutions to meet your financial objectives.

Whether you’re looking for guaranteed death benefit protection, low-cost coverage or strong cash value growth potential, our universal life products offer a wide variety of features and riders that are ideal for addressing these needs.

Variable Life Insurance

John Hancock’s competitive variable universal life policies can give you the protection and guarantees you need to feel secure in uncertain times, plus the cash value growth potential and flexibility you need to meet your long-term financial goals.

Your premiums are invested in underlying investment options that have the potential to accumulate cash value—tax-deferred. Variable universal life offers protection for your family’s financial well-being as well as a potential source of supplemental retirement income for you.