Life insurance · Uspring

Why start young?

Why now?

You don’t buy life insurance because you expect something to happen. You buy it because your life is just getting started.

Student loans

Co-signed debt

Future mortgage

Getting married

Building a family

Starting a business

Protecting your loved ones

The advantages of getting started early

Lock in coverage at a lower costLife insurance premiums are generally based on your age and health when you apply. Because most young adults are in good health, they may qualify for lower premiums than they would later in life. By securing coverage earlier, you can lock in today’s rates and have coverage in place before future changes to your health or other circumstances could affect your eligibility or cost.

Plan ahead with confidenceFuture milestones like starting a family, buying a home, or establishing a career can change your financial responsibilities. Starting early means one important step is anticipated and secured.

Simple, accessible coverageUspring makes it easy for eligible young adults to get started with a choice of $250,000 or $500,000 in 20-year term life insurance through John Hancock, no medical exam required for applicants (just a few health questions), and a digital application that takes as little as 5 minutes.

Coverage

Coverage for life’s next chapter

$250,000
or $500,000Financial protection for
what matters most

20
YearsProtection that stays
with you for 20 years*

~$1–2
per dayCost effective coverage averaging
around $1–2 per day**

*Provided required premiums are paid and the policy remains in force.

**Actual policy cost will vary based on underwriting status, face amount, sex and issue age and may be more than $2 per day for some applicants.

Coverage that goes beyond financial protection

Every John Hancock policy made available through Uspring includes access to John Hancock Vitality, a first-of-its-kind program that rewards customers for healthy choices and motivates them to live their best lives.

It’s one more way we help support young adults as they build toward a healthier future.

Learn more about Healthy Living Rewards →

Life insurance, explained

New to life insurance? Start here

Term life insurance

Coverage that lasts for a set period of time.

Eligible applicants can obtain a John Hancock life insurance policy through Uspring, with a guaranteed premium for 20 years and the option to renew, replace, or convert the policy.

Coverage

The amount your beneficiaries will receive.

When applying for a John Hancock policy through Uspring, you have the option to select $250,000 or $500,000 of coverage.

Premium

The amount you pay.

On average, John Hancock policy owners pay ~$1–2 per day.

Beneficiary

The person you choose to receive your policy's benefit.

John Hancock policy owners may change or add a beneficiary at any time, and can optionally direct 5% of the benefit as an endowment* to their university.

*This option lets you direct 5% of your policy’s death benefit to your university. This election provides no current tax deduction, credit, or other tax benefit; any potential charitable tax treatment, if applicable, would arise only when the death benefit policy proceeds are distributed to the designated charitable recipient.

Learn more