John Hancock Life Insurance

John Hancock Life Insurance Reviews

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Overall Rating
1.5 out of 5
See all 133 reviews & ratings

About John Hancock Life Insurance

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John Hancock Life Insurance Reviews

ConsumerAffairs has collected 133 reviews and 279 ratings.

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Page 1 Reviews 0 - 10
Customer Service

Reviewed Nov. 28, 2023

I cannot express the anger I have towards this company. A con job extraordinaire. I am Power of Attorney for my stepmom and I've been on the phone all day trying to set up a claims page to submit invoices for expensive in home care during a time of Hospice. I get the portal set up, log in, and no luck. It says no such policy exists. My stepmom paid out decades of premiums and amassed $80,000 to use at such a time as this so she can pass in her own home. So many people are left with nothing, zero, nada, to help their loved ones die with dignity. Shame on you John Hancock - you are thieves - SHAME. SHAME. SHAME.

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Customer Service

Reviewed Oct. 16, 2023

2 Years + on a life insurance claim - One more form, one more call, one more thing - This is what they are all about. Delay pay until everyone gives up. I again spoke with them tonight. Just one more.

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    Sales & MarketingPunctuality & SpeedStaff

    Reviewed Sept. 17, 2023

    As a licensed agent 0-5. As a customer 0-5. John Hancock is a scam on both levels. As a agent I had a $300 charge back, they stated I owed them $950!! Paid them via wire transfer and they claim I never sent them money with all the evidence I need to prove my payments. Months later still under “review” and nobody knows where my money is.

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    Verified purchase

    Reviewed July 12, 2023

    If I could give a negative review number for this company, it would be -1,000,000,000,000. I am 66 years old, a former Major in the US Army and an attorney for over 25 years. It has been over 7 months since the death of my mom and still no death benefit has been paid due to the mistake of the life insurance agent and the cover-up of the company.

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    Customer ServiceStaff

    Reviewed June 14, 2023

    On June 16, 2023 I was transferred to John Hancock vitality technical support from the main customer service line at approximately 12:55 PM. A representative by the name of Jada picked up the phone and I told her my issue which was I needed to obtain my prime code For Amazon and she told me that that was not possible. She stated that the website has been disabled and she did not know when it was going to be back up and running that I should check back next week to see if it’s up and running again. I was confused because I had already been issued the code and did not understand how I just couldn’t get the code re-issued re-emailed to me. I asked to speak to a supervisor or manager. Jada insisted that there was no one available that could help and she kept repeating to call back next week. I find that quite strange that no supervisor or manager was able to address my issue.

    I feel like this woman did nothing to problem solve the situation, and I am filing a complaint against her. She seemed very clueless and unintelligent during the whole interaction. I would also like to file a complaint in regards to the adjustment. We are to receive as a life insurance policy holders every year. My second year I received no refund whatsoever.

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    Customer Service

    Reviewed May 16, 2023

    Paying my disability policy for almost 40 years. Became disabled/ filed claim. Tons of calls, repeated many times same paperwork. Still no denial or approval. Hired attorney and now out almost $50,000. Careful with Hancock. Not honorable company.

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    Reviewed March 15, 2023

    My Mom passed in Jan 23. John Hancock has been absolutely HORRIBLE!!! Every time I asked about my claim, they would give me one excuse after another. It's terrible how they do this to people who just lost a loved one!! I would NOT recommend John Hancock to anyone! I am still waiting on my insurance money. My mom had 3 life insurance policies at different places, and I never had the trouble I am having with this company!! They definitely don't need to be in a business like this.

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    Customer ServiceCoveragePricePunctuality & Speed

    Reviewed Feb. 6, 2023

    Note, I am 56, and this is only the 2nd negative review I have written for any business ever. We have had 2 life insurance policies with John Hancock (my husband and I) for probably 5 - 10 years now. We have just experienced a 2nd episode where John Hancock has said right before their policy canceling deadline that they didn't receive our annual premium checks.

    They have ADMITTED THAT THIS IS BECAUSE THEY HAVE A SIGNIFICANT (IE WEEKS LONG) PROCESSING DELAY OF CHECKS ON THEIR END, and they told us that if we didn't provide immediate payment (IE by providing our bank account information) our policies would be canceled. Having no other choice, I provided the bank account information and was told that as soon as my original checks were cashed by them, I could call back (and go thru the whole phone tree and wait time again) to request a refund for the duplicate payments. I did this today, and I was told:

    1) I need to wait ANOTHER 10 days and call back again because of the 10 day hold they place on all checks (even though my bank account shows the checks as paid).
    2) The refund could only be in the form of a check that would be mailed back to me.

    3) Even though I paid both payments for my husband's premium from our joint checking account (and I have all of his identifying info IE SSN, DOB, etc) that he would still need to call separately for his refund (which is not convenient for his work hours as a physician when their line is only open from 8AM-6PM).

    I get that sometimes things happen at companies that cause unique and problematic delays, but this is the SECOND TIME that we have been thru this almost exact same scenario. Also of note, both times they somehow seemed to "find" and process our checks LITERALLY LATER THE SAME DAY that we made the duplicate electronic payments. This MAKES ONE WONDER IF THIS ISN'T INTENTIONAL ON THEIR PART. Insurance companies make their money off of investing premiums. If they can have an extra 3-4 weeks of duplicate annual premiums for all their clients, they may feel the income offsets any customer dissatisfaction. It would be highly burdensome for a client to have to cancel their premium and then initiate a new premium with a different company, because the price would be higher due to any aging since they took out the first premium.

    Fortunately, we can afford to have an additional $2,600 missing from our checking account for the 3-4 weeks that this whole process will take to refund to us. If you can't afford that then I DEFINITELY WOULD NOT DO BUSINESS WITH THEM. If anyone wants the details, we mailed our annual premiums at the end of December (on time and shortly after we received the statements). We were told at the beginning of February that they had not been received yet (even though my credit card company received and processed a payment I mailed the same day ONE MONTH EARLIER). The deadline for premium cancelation was February 6. The electronic deduction from our account was posted on 2/1/23, and the checks are listed as cashed ALSO ON 2/1/23.

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    Customer ServiceStaff

    Reviewed Jan. 27, 2023

    They do not accept electronic wiring from your Bank. They want your checking account number and withdraw the amount from your account, not the other way around. It's the customer's purchase not John Hancock. John Hancock wants to control how business transactions are done on their terms....not the customer. I do not want to give them authority to pull monies from my checking account. Their retaliation is... "Send a check or let us pull the funds." Not customer friendly. US bank sends them a John Hancock will not accept electronic wired monies from the customer. The check sets in their corporate back log. LAPSE WARNINGS ARE SENT. It requires from the customer... time and aggravation. Which is what they want. As they want...access to the checking account and paid on their terms. NOT CUSTOMER FRIENDLY.

    I want to simply go in to my checking account and wire funds to John Hancock Life Insurance Company. Having them receive the funds in a day. Maybe two? Oh no, they won't have that. They want access to your checking account. They want you to give them permission to remove the funds from the customer's account. BIG BULLY. If it weren't for the fact I've had this policy for a long time, I'd let it go. WORST CUSTOMER SERVICE!!

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    Customer ServiceStaff

    Reviewed Jan. 23, 2023

    I open this policy in early December and told them the payments were to come out on the first of every month. They attempted to take a payment on the 26th and it was insufficient somehow even with a lot of money in my bank account. They sent me a letter on January 3 saying that I had 15 days to make the payment or my policy was gone. This letter was not in my mailbox until today, 23 January…. I spoke to the agent and told them they weren’t even supposed to touch the money until the first and I did not receive any emails or anything not even a phone call. They told me to reapply. I told her to shove it. I’ve had nothing but communication issues with this company even in the beginning when I need to elect beneficiaries for my policy. They got my address wrong and beneficiaries wrong. Could not get them on the phone or email replied.

    Do not use this company. I’m telling you right now you are going to regret it. There are also many reviews of people who have been diagnosed with pancreatic cancer and have been booted from their policy. Do not waste your money on this policy and John Hancock if you’re reading this, you’re awful. You’re the worst company in the world and I’m gonna keep telling everyone about it and I’m glad New York beat you in that lawsuit hahaha.

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    John Hancock author review by Neal Frankle

    Hancock was founded in 1862, but it was acquired by Canadian insurer Manulife Financial in 2004. The subsidiary is still headquartered in Boston.

    • Product variety: Hancock offers a complete line of insurance products.

    • Additional tools: Long-term care insurance, mutual funds and college savings plans are also offered by Hancock.

    • Industry leader: John Hancock leads the industry in survivorship life sales.

    • Products: Hancock agents will likely steer customers towards using Hancock products.

    • Not for everyone: While competitive on many levels, Hancock will not always be the best fit for all consumers.

    by Neal Frankle Life Insurance Advisor

    Neal Frankle is a Certified Financial Planner in Los Angeles. He is the publisher of, an information resource for consumers. He has been a professional financial advisor since 1991 and is the editor of

    John Hancock Life Insurance Company Information

    Company Name:
    John Hancock