New Business Guidelines


John Hancock wants to make it easy for you to do business with us.  Our New Business Service Team will work with you to get your business processed efficiently and effectively

We are committed to give you the best service possible.  Send  your ideas & suggestions to

New Business Guidelines
Submitting New Business to John Hancock
Licensing and Compensation:
  • Direct Deposit Form
    Use this form to have your compensation payments automatically deposited into your checking or savings account.
  • Refer to our Licensing section for guidelines and current Appointment status information.
Important Notice:
  • Click here for John Hancock's policy on Investor/Stranger Owned Life Insurance (IOLI) programs.
New Business Transmittal Forms:
Help us serve you better by including a transmittal with every case you send to John Hancock.

Handling Replacements at John Hancock
The following materials provide you with John Hancock's current guidelines and tips for handling internal and external replacements.


Sales Tools:



  • John Hancock's "Know Your Customer" Guidelines
    In order to effectively recommend products and provide advice that meets your clients' individual needs, it is important that you – as the agent – know your customer. Field underwriting is an important aspect of John Hancock's overall risk assessment process. This flyer provides an overview of our "know your customer" guidelines.



For Agent Use Only. This material may not be used with the public.

Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.