John Hancock’s New Electronic App Platform Streamlines Life Insurance Sales

JH eApp is available for applications ages 18 to 79 and all face amounts, enabling potentially instant underwriting decisions though the John Hancock ExpressTrack accelerated underwriting solution.

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John Hancock (Boston) has launched a proprietary electronic application platform, JH eApp, designed to significantly streamline and accelerate the life insurance purchasing experience, which has traditionally been time-consuming and cumbersome. The insurer says JH eApp can reduce 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, JH eApp will enable a potentially “instant” underwriting decision via John Hancock ExpressTrack, the insurer’s accelerated underwriting solution.

Brooks Tingle, President and CEO, John Hancock Insurance.

“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,” comment Brooks Tingle, President and CEO, 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.”

John Hancock places the launch of JH eApp within the context of its ongoing investment investing in digital solutions to keep pace with consumer demands and expectations, which recently have been validated and intensified by the recent challenges presented by the COVID-19 pandemic. JH eApp was designed to connects the entire life insurance application process digitally, eliminating time and paperwork, and enabling producers to focus on client questions and needs. The solution thus creates a more positive, seamless and digital-first experience for everyone involved, the insurer says. JH eApp can be used for submissions of any face amount, meaning clients applying for a simple $100,000 term policy, for example, or those looking to purchase a $10 million policy for estate planning purposes will be able to take advantage of the platform.

Ease and Convenience for Distributors and Their Clients

“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,” comments 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.

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Anthony R. O’Donnell // Anthony O'Donnell is Executive Editor of Insurance Innovation Reporter. For nearly two decades, he has been an observer and commentator on the use of information technology in the insurance industry, following industry trends and writing about the use of IT across all sectors of the insurance industry. He can be reached at or (503) 936-2803.

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