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You may use the disability waiver of premium if you’re totally disabled for at least six months. For accelerated death benefits, you may tap up to 50% or 100% (maximum of $1 million) of the face value. You may access 10% to 25% of the policy’s face value for critical illness (maximum of $250,000), which may include a heart attack, stroke, cancer, coronary artery bypass graft, major organ failure, kidney failure, or paralysis. You may contact John Hancock with questions by phone, Monday through Friday, from 8 a.m. The company also offers riders with a waiver of premium for disability and unemployment, critical illness, and long-term care for an extra fee. John Hancock’s term and permanent policies include accelerated death benefit riders. You may get a quote and apply for term and final expense policies online, but you will need to call John Hancock for permanent life insurance. John Hancock offers a range of term and permanent universal life insurance policies. The Boston-based provider has an A+ financial strength rating from AM Best and had 94 complaints through the National Association of Insurance Commissioners (NAIC) in 2022, less than expected for a company of its size.
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Founded in 1862, John Hancock has a long history in the life insurance business. John Hancock earned a top spot because of its strong reputation and living benefits with every life insurance policy. However, you can’t get an online quote for a universal life or whole life with a death benefit of more than $25,000. The whole life Living Promise Level Benefit Plan also offers accelerated death benefits for terminal illnesses or nursing homes. You may also add a long-term care rider to receive monthly payments of 1%, 2%, or 4% of your death benefit. The universal policy allows you to access accelerated death benefits for chronic or terminal illnesses. If you're a customer, you should be able to access more personalized support, including via your agent. Mutual of Omaha offers automated phone support 24/7. Both universal and whole-life policies may include living benefits. You may also customize your policy with riders, which may or may not require an extra fee. Depending on your policy, you may get a quote and apply online, speak to an agent by phone, or meet with an agent in person. Mutual of Omaha offers various life insurance plans, including term, whole life, children’s whole life, universal, and accidental death insurance. Those factors helped it earn a spot on our overall list of best life insurance companies, too. It has earned an A+ financial strength rating with AM Best and received 45 complaints through the NAIC in 2022-well below average for a company of its size. Mutual of Omaha is based in Omaha, Nebraska-based and has been in business since 1909.