Many people with diabetes recognize the value of life insurance and the importance of providing financial protection for their families. However, according to a recent survey, many people with diabetes who don’t have a life insurance policy say they are unlikely to apply for one.1
Why the hesitation? Historically, getting life insurance when you have diabetes has been a challenge – but that’s no longer the case. In fact, John Hancock Aspire is designed for people with diabetes, so getting life insurance is easier than ever.
Now for the first time, there’s a better life insurance option designed for people with either type 1 or type 2 diabetes. John Hancock Aspire rewards you for your healthy lifestyle and the things you already do to manage your diabetes. You can save up to 15% on the cost of your coverage and earn rewards and discounts for exercising and eating well.* It's a new kind of life insurance, available only from John Hancock.
New trends in diabetes technology.
You might be thinking: Why is life insurance now more attainable for people with diabetes? What changed?
Recent innovations, advancements in medical technology and ongoing wellness initiatives have led to better care and diagnosis of diabetes. Plus, public awareness campaigns around the health risks associated with obesity, benefits of increased exercise and anti-smoking initiatives have all contributed to reducing the risk of diabetes, particularly type 2.
From convenient continuous glucose monitors (CGMs) to advanced insulin delivery systems, the diabetes product landscape is growing in leaps and bounds. For instance, by wearing a CGM that tracks glucose levels, users get a complete view of how medication, food and exercise affect their well-being.2 Or, with wireless insulin pens, like InPen, users can track, monitor and calculate their insulin injections without having to wear an insulin pump.3
All in all, people with diabetes are now in greater control of managing their condition. John Hancock is proud to partner with people who are taking charge of their situation every day.
Better control leads to better underwriting offers.
At John Hancock, our progressive approach to underwriting allows us to make competitive offers to applicants living with diabetes who can show that their condition is well controlled.
Our underwriters (life insurance analysts who evaluate and assume an applicant’s risk) are specialized in high-risk health or special-risk factors. Unlike less established companies, we’re well equipped and knowledgeable about your specific medical needs.
Life insurance that rewards you for living a healthy life.
*Premium savings are in comparison to the same John Hancock life insurance policy without Vitality PLUS. The level of premium savings over the life of the policy will vary based upon underwriting status, issue age, policy type, the terms of the policy and the Vitality Status achieved. Premiums savings are only available with Vitality PLUS.
Aspire is not available in New York, Washington, Idaho and Puerto Rico. Certain aspects of Aspire may change over time. There is no coordination between Aspire and any health benefits you may receive from an insurance policy, health plan, or any other wellness programs you may be enrolled in. The benefits available under Aspire can vary depending on whether the insured has Type 1 or Type 2 diabetes and the type and coverage amount of the life insurance policy purchased.
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.