Accumulation IUL 23: 9.00%

John Hancock Life Insurance Company (U.S.A.)

Financial Strength A+
IUL Experience 15 years
Policy Portfolio 4 products

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Founded

1862

Assets

Part of Manulife with CA$1.4 trillion AUM

AM Best

A+

Participating

110%

Financial Strength Ratings

AM Best A+

S&P AA-

Moody's A1

Product Benchmarks

Typical Cap Range

Min: 7.50% | Max: 9.00% | Current average: 8.00%

Participation Rates

Min: 100% | Max: 120% | Current average: 110%

Typical Fees

Coi range: Moderate | Admin fee: Standard | Premium load: Standard

About John Hancock Life Insurance Company (U.S.A.)

160+ years in business

Comdex rating of 93 (among highest)

John Hancock Vitality Program (wellness-based rewards unique to industry)

Survivorship UL gold standard for estate planning

Strong with high-risk medical conditions

Part of Manulife serving 3.5+ million U.S. policyholders

Company Profile

Headquarters

Boston, Massachusetts

Founded

1862

Years in IUL

15 years

Assets Under Management

Part of Manulife with CA$1.4 trillion AUM

Minimum Premium

$5,000 annual

Issue Ages

20-70 (Accumulation IUL with Vitality)

Underwriting Speed

3-4 weeks standard

Website

www.johnhancock.com

Financial Ratings

AM Best A+

S&P AA-

Moody's A1

These ratings indicate excellent financial strength and claims-paying ability.

IUL Policies from John Hancock Life Insurance Company (U.S.A.)

Explore comprehensive Indexed Universal Life insurance solutions

How to Compare: Check the boxes on any 2 policies below, then click "Compare Now" in the green bar that appears.

IUL Policy

Accumulation IUL 23

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Standard: 9.00%

Floor Protection 0%%

Participation Standard: 100% to 120%

Minimum Premium $5,000 annual

Issue Ages 20-70 (with Vitality)

Unique Vitality Program wellness rewards
160+ years in business
Comdex 93 rating
Index options: S&P 500, Hang Seng Index, Barclays Global MA Classic...

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Personalized Planning

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Step-by-step implementation with ongoing performance reviews

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Frequently Asked Questions

John Hancock Life Insurance Company (U.S.A.) currently offers 4 IUL solutions that balance growth potential with downside protection. Our specialists will help you match product features to your retirement or legacy goals.

John Hancock Life Insurance Company (U.S.A.) maintains strong independent ratings including AM Best A+, demonstrating resilient balance sheet strength and consistent claims-paying ability.