Insurer profile · Manulife · NAIC + CMS

John Hancock Life

John Hancock Life's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

B
Reputation grade
0.74
Complaint index
50
States active

The verdict

John Hancock Life earns a B reputation grade - a better-than-average record versus peers, according to the NAIC's published complaint index, its ratio runs 0.74, below the 1.0 market average.

B
reputation grade
0.74
NAIC complaint index
BBB
Reputation grade B (composite score 70.4) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.

How we calculated this grade →

NAIC CIS filing desk

NAIC 94986 B · 70.4

GRADE-B · INDEX-LOW · DENIAL-NONE · RANK-UPPER · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-B B · 70.4
  • INDEX-LOW 0.74
  • DENIAL-NONE No CMS file
  • RANK-UPPER #21/72
  • PHOTO-FINISH American Family Insu… · B
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: American Family Insurance (±0.02 index pts)

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

Complaint-index neighbourhood around John Hancock Life

Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.

John Hancock Life - complaint index neighbourhood

complaint index

What this shows According to PlainInsurer's dataset, John Hancock Life has a lower (better) NAIC complaint index than 71% of the 72 rated insurers it tracks and ranks #11 of 16 carriers by complaint ratio in Life Insurance.

Source NAIC published complaint index (2024) As of 2026

Where John Hancock Life sits on complaints

complaint index

What this shows John Hancock Life's complaint index of 0.74 is 26% below the 1.0 market average for a carrier of its size.

Source NAIC published complaint index (2024) As of 2024

John Hancock Life vs. the full rated-insurer dataset

74% Among the most affordable more affordable than 71% of 72 rated insurers

John Hancock Life 0% 425% all rated insurers, bucketed by value

Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source NAIC published complaint index (2024) · 2024

Scale vs. complaint-adjusted score

NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers 2×2 strategic matrix plotting 30 entities by Total complaints → (X) and Composite score (higher = more friction) → (Y), with a crosshair dividing the plot into four quadrants. Large, high frictionSmall, high frictionLarge, low frictionSmall, low friction 02,0004,0006,0008,000 60708090100 Total complaints → Composite score (higher = more friction) →
NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers

Complaint record by line of business

Line Est. complaints Complaint index States active
Life Insurance ~4,573 0.74 50

What the NAIC filing desk shows for John Hancock Life

According to PlainInsurer's dataset, John Hancock Life has a lower (better) NAIC complaint index than 71% of the 72 rated insurers it tracks and ranks #11 of 16 carriers by complaint ratio in Life Insurance.

John Hancock Life is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place John Hancock Life.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for John Hancock Life: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (70.4 here). Floored at 50+ complaints and 5+ states.

Anthem / Elevance Health 70.1 State Farm Fire & Casualty 71.2 American Family Insurance 69.6 Cigna Health 69.6

Similar complaint volume

Nearest carriers by NAIC complaint count (4,573 here). Deduped against the score peers so the two sets stay distinct.

Oscar Health 4,758 complaints Infinity P&C (Kemper) 4,853 complaints Openly Insurance 4,265 complaints Chubb Property 4,168 complaints
Aggregates only, not advice. Full terms on the disclaimer.

Questions about John Hancock Life

What does John Hancock Life's grade mean?
John Hancock Life received a grade of B, indicating a better-than-average record versus peers.
How many complaints does John Hancock Life have?
PlainInsurer estimates John Hancock Life's complaint volume at roughly 4,573 across 50 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against John Hancock Life?
File against John Hancock Life through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is John Hancock Life a good insurance company?
PlainInsurer's B grade for John Hancock Life reflects a better-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does John Hancock Life offer?
Based on NAIC filing data, John Hancock Life reports activity in 1 line of business: Life Insurance. Availability varies by state.

Verify John Hancock Life

John Hancock Life is filed with the NAIC under company number 94986. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.

Verify on NAIC Consumer Information Source

Source: NAIC published complaint index data Complaint index, reputation grade for John Hancock Life · 2024

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Download the data behind this page

The full PlainInsurer extract, covering every insurer including John Hancock Life, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.

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Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.

Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.