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John Hancock Launches Electronic Application Platform to Streamline Life Insurance Sales Process


June 23, 2020


BOSTON – John Hancock today announced the launch of a proprietary electronic application platform, JH eApp, the company's latest advancement in modernizing the life insurance purchase experience for insurance agents and their customers. The platform is designed to significantly streamline and accelerate an experience that has traditionally been time-consuming and cumbersome by reducing processing times from weeks to, in some cases, just minutes. The new digital platform is available for applications ages 18-79 and all face amounts. For eligible submissions, this will enable a potentially "instant" underwriting decision via John Hancock ExpressTrack®, the company's accelerated underwriting solution.[1]

"Digital capabilities are more important than ever, and we are proud to be leading the way to meet the evolving needs and expectations of our partners and customers," said Brooks Tingle, President and Chief Executive Officer of John Hancock Insurance. "That's why we're excited to launch the new JH eApp platform to make it easier for insurance agents to do business with us. This is an important step in our ongoing journey to advance our digital solutions, access new data sources, provide a better service to our customers, and, ultimately, grow our business."

While John Hancock has long been investing in digital solutions to keep pace with consumer demands and expectations, the recent challenges presented by the COVID-19 pandemic have reaffirmed the company's commitment to providing distribution partners with the most modern and efficient tools with which to conduct their business. JH eApp connects the entire application process digitally, eliminating time and paperwork, and enabling producers to focus on client questions and needs. This creates a more positive, seamless and digital-first experience for everyone involved. Further, it can be used for submissions of any face amount, meaning clients applying for example, a simple $100,000 term policy or those looking to purchase a $10 million policy for estate planning purposes will be able to take advantage of the platform.

"In this age where you can get anything from groceries to a mortgage electronically, it's important we offer that level of ease and convenience to distributors and their clients," said Linda Levyne, SVP, Head of Sales & Distribution, John Hancock Insurance. "Recent events have only increased our partners' adoption of digital tools and we're excited to give them yet another way to simplify the sales process so that together we can offer our shared customers the quality life insurance products they need to help protect their families and reach their long-term financial goals."

The JH eApp will be rolled out to an initial group of producers via JHSalesHub, John Hancock's producer website, and will be expanded more broadly throughout the remainder of the year.

To learn more about John Hancock's insurance offerings visit

1. Consumers, 18-60, submitting an application via JH eApp, and applying for single-life coverage up to $3 million are eligible for ExpressTrack, with an opportunity for certain applicants to obtain an "instant" underwriting decision. Policy issuance is not guaranteed as any life insurance purchase is subject to completion of an application, including health questions, and underwriting approval.  John Hancock will obtain additional information, including but not limited to medical records, to evaluate your application for insurance; and after your policy is issued, to identify any misrepresentation in the application. ExpressTrack not available in New York


About John Hancock and Manulife

John Hancock is a unit of Manulife Financial Corporation, a leading international financial services group that helps people make their decisions easier and lives better. We operate primarily as John Hancock in the United States, and Manulife globally, including Canada, Asia and Europe. We provide financial advice, insurance and wealth and asset management solutions for individuals, groups and institutions. Assets under management and administration by Manulife and its subsidiaries were CAD$1.2 trillion (US$0.8 trillion) as of March 31, 2020. Manulife Financial Corporation trades as MFC on the TSX, NYSE, and PSE, and under 945 on the SEHK. Manulife can be found at

One of the largest life insurers in the United States, John Hancock supports more than 10 million Americans with a broad range of financial products, including life insurance, annuities, investments, 401(k) plans, and education savings plans. Additional information about John Hancock may be found at

Insurance policies and/or associated riders and features may not be available in all states. 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. MLINY061120135