John Hancock Insurance
Life - Post Issue
P O Box 55979
Boston, MA 02205-5979
Please be sure to include your policy number and full contact information.
Life Post Issue Services
John Hancock Life Insurance Company
410 University Ave Ste 55979
Westwood, MA 02090
Please be sure to include your policy number and full contact information.
Please put it to the attention of the department that would handle your request such as Surrender Dept, Loan Dept, or Billing Dept.
Please be sure to include your policy number and full contact information
If you are the beneficiary receiving a claim payout and the amount is $7,500 or greater, the funds will be placed into a Safe Access Account unless otherwise specified on the form. If you request a surrender of your life insurance policy, the threshold is $5,000. It is an interest bearing account that works similar to a checking account. You will receive a checkbook in the mail.
If you received a letter from a recovery agency informing you of unclaimed property that was sent to the state by John Hancock, please contact your state treasurer's office. You do not need to go through a recovery agency as they will charge a fee for their services. If you saw your name advertised in the newspaper, please contact us at 800-628-3740.
How can I get a quote for life insurance?
How do I update my profile?
After signing in to your account, in the upper right corner of the customer online account page the owner’s name will be displayed inside a drop-down menu.
Select “My Profile” and then the “Update Profile” button. This will allow you to update your email, phone number, and security answers and questions.
Select the “Update Password” button to change your password.
*Please note your username cannot be changed online. For more options regarding changing your username, please call the eService Department at 888-888-8856, Monday – Friday, from 8 a.m. – 6 p.m. ET.
How do I log out of my account?
In the upper right corner of the customer online account page, the owner’s name will be displayed inside a drop-down menu. When you select the menu, you will be able to choose “Home,” followed by “My profile,” and then “Log out.”
How do I register for an account?
How do I verify my address online?
Your address can be verified by signing in to your account.
You can also confirm your address information by calling our contact center at 800-732-5543, Monday - Friday, from 8 a.m. to 6 p.m. ET.
If you have recently updated your address, you can check the status of this request by signing in to your account.
I would like to change my address on my life insurance policy.
You can update a policy address:
You can check the status of this your request by signing in to your account.
I found an old policy and would like to know if it still has value.
I got married and need to change the name on my policy.
Can I view my policy details online?
I have a Variable Universal Life (VUL) or Indexed Universal Life (IUL) policy. How can I make an investment or segment change?
Authorization for both online and phone requests may be obtained by completing the Special Authorization form available here. If you are a policy owner or trustee, you can make investment or segment allocation changes by signing in to your account or by downloading our Investment Option Change form here.
You can also request investment or segment allocation changes by phone. The owner, trustee, registered representative or third party authorized to make investment changes on your policy, may contact us at 800-732-5543, Monday – Friday before 4 p.m. ET, to make an investment or Indexed Account segment change.
Please note that investment option changes are effective as of the date the trade is received, in good order, before 4 p.m. ET. It may take up to three business days to process the transaction. Indexed Account segment changes need to be received by the 15th of each month before 4 p.m. ET. If an Indexed Account segment request is received after this date, the segment will occur for the next segment initiation date.
How do I access forms?
I would like to cancel my life insurance policy.
General processing time is 7-10 business days once the paperwork is received in good order. You can check the status of your request by signing in to your account.
Please note: if your address has been updated within the last 30 days, the form will need to be notarized.
How can I submit documentation?
You can submit documents by signing in to your account.
You can also fax or mail:
Life Post Issue
PO Box 55979
Boston, MA 02205
Life Post Issue
410 University Avenue
Westwood, MA 02090
I would like to have a duplicate policy sent to me.
You can find a Statement of Insurance and Policy Summary by signing in to your account.
Please note: if your policy was issued prior to 1966, then we will not be able to issue a duplicate. Ordering a duplicate policy is not necessary if you are planning on surrendering or claiming the benefit. In those scenarios, if you no longer have a copy of your policy, you would just need to fill out the lost policy section of the appropriate form.
I would like to know the value of my life insurance policy.
What is the maximum loan that I can take against my policy?
To inquire about the maximum loan available on your policy, please call our contact center at 800-732-5543, Monday – Friday, from 8 a.m. – 6 p.m. ET.
Where do I find the fund performance history or daily unit value?
I would like to take a loan and/or withdraw dividends on my policy.
For loan requests up to $100K, you can also call 800-732-5543, Monday - Friday, 8:00 a.m. to 6:00 p.m. ET.
Loan processing times vary by product, but most requests are satisfied within five business days. You can check the status of your request by signing in to your account.
Please note: if your address has been updated within the last thirty 30 days, the form will need to be notarized.
If my policy had a taxable event and I am expecting a 1099-INT/1099-R from John Hancock, when should I receive it?
Tax forms can be viewed by signing in to your account. IRS regulations stipulate that our tax forms must be postmarked no later than January 31st. If the date falls on a Saturday, Sunday or legal holiday, the postmark date should be no later than the next business day.
Tax forms for amounts less than $10.00 will not be issued.
If you did not receive a 1099 by mail or within your account and feel you should have, please call our contact center at 800-387-2747, Monday – Friday, from 8 a.m. – 6 p.m. ET, and we will be happy to assist you.
What triggers a tax form on a life insurance policy?
Here is a list of some tax form triggers:
Important to note: John Hancock employees are not permitted to provide tax advice. Please contact your tax advisor or the IRS for further assistance regarding 1099s and any other tax-related inquiries.
Who is the beneficiary on my policy?
You can verify the beneficiary on your policy by signing in to your account.
Verification can also be made by calling our Customer Service Department at 800-732-5543, Monday - Friday, from 8 a.m. to 6 p.m. ET.
I need to change my beneficiary and/or ownership on my life insurance policy.
You can change the beneficiary and/or ownership by:
If you need to update the ownership due to the death of the current owner, please send a written request along with a copy of the owner's death certificate to our general mailing address:
Life Post Issue
P.O. Box 55979
Boston, MA 02205
General processing time is 7-10 business days once the paperwork is received in good order. You can check the status of your request by signing in to your account.
How do I update my beneficiary’s name?
The policy owner is deceased. What are the requirements to change the owner?
There are two scenarios. In the first, there is a registered successor owner on file. This scenario requires:
In the second scenario, there is no registered Successor Owner on file. In this case, the company requires:
All forms can be downloaded here.
What are the requirements to change the name of a company that is the policy owner?
To update our records with a company name change, the company must complete the Name Change Request form and provide us with any supporting legal documentation that illustrates the name change.
Alternatively, a letter on company letterhead indicating the company name has changed from “A to B” along with supporting documentation such as Articles of Amendment can be faxed to us at 617-572-1571.
Forms can be downloaded here.
What are the requirements to change the name of a financial institution (commonly a bank)?
To change a financial institution’s name, the institution must complete the Name Change Request form and provide us with any supporting, legal and or merger documentation that illustrates the name change.
Forms can be downloaded here.
Alternatively, a letter on company letterhead indicating the financial institution’s name changed from “A to B” along with supporting documentation from an authorized state banking authority may be submitted.
The form and any supporting documentation can be faxed to 617-572-1571.
Do I need to submit ownership/beneficiary designation change forms if a trustee changes?
No. If one trustee resigns or changes for another reason, you do not have to complete Ownership or Beneficiary Designation Change forms. Commonly we get a combination of the following documents:
The type of documentation may differ depending on the circumstance and provisions in the trust agreement itself. For a death of a trustee, we require a certified copy of their death certificate.
What’s the difference between “jointly as tenants in common” versus “jointly and to the survivor”?
Both refer to how ownership is vested or held between individuals on a jointly owned policy. "Jointly as tenants in common" means that the death of an owner will result in the deceased owner's interest in the policy vesting in his or her estate. "Jointly and to the survivor" (also referred to as "right of survivorship") means that the death of the owner of will result in the ownership being vested in the surviving owner(s).
If there is more than one trustee can we get only one trustee’s signature?
Trustee signature requirements are dependent on the trust provisions that indicate either single or joint trustee signing authority. Our John Hancock Trust Certification form allows trustees to delegate authority for the named trustees. Once completed and signed by ALL trustees, they can select a majority, any, all, or a designated trustee to act on behalf of the trust owner.
The form can be downloaded here.
What happens when an owner dies?
Unless there is a successor owner registered, the ownership vests in the owner's estate. If Jane Doe were the owner while living, ownership would then reflect "Estate of Jane Doe." We would require a probated will for the estate, and/or letters of administration for the estate to determine who can act for the estate. Full requirements can be referenced within our Change of Ownership form which can be downloaded here.
What information do I need to make an ePayment?
To make an electronic payment quickly and easily, have your life insurance policy number, a copy of your billing notice or contract and your checking or savings account information readily available.
What types of payments can I submit via John Hancock ePay?
The following types of payments can be made via the online payment service:
Can I submit my initial premium payment via this service?
Can I use a credit card or debit card to make my ePayment?
We do not accept credit card or debit card payments. ePayments must be made via a checking or savings account.
How do I locate my bank’s routing number and account number?
The routing transit number and account number are located at the bottom of your personal check or savings deposit slip issued by your bank. The check number should not be included when entering the routing and account numbers.
What is the cut-off time to submit an ePayment?
Click here to submit an ePayment at any time of day. ePayments received prior to the daily stock market closing time are processed by John Hancock effective the same business day, and ePayments submitted after the close of the stock market are processed by John Hancock effective the next business day. Note: business days are considered to be Monday through Friday, excluding Federal Reserve holidays. The stock market generally closes at 4:00 PM, EST.
How long does it take for the ePayment to be applied to my life insurance policy?
ePayments are processed within two business days of submission. If there are any issues applying your payment, a John Hancock representative will contact you within five business days.
My policy is set to lapse today; is it too late to make an ePayment?
Payments submitted via John Hancock ePay are processed within two business days. If you are concerned your policy will lapse due to non-payment, please contact our Customer Service Department at 1-800-813-2294 for immediate assistance.
Can I make an ePayment for all of my John Hancock life insurance policies?
Yes, ePayments can be made for all of your John Hancock life insurance policies, providing the policies are in good standing. Payments received for lapsed or terminated policies will not be processed.
I have multiple policies — do I need to submit a separate ePayment for each policy?
Yes, ePayments for each policy must be submitted individually.
Can I schedule recurring payments through John Hancock ePay?
What amount should I pay and when is my payment due?
Can I make an ePayment for an amount different than the amount due?
The amount you can pay will depend on the type of policy you have:
Your policy type is indicated on the payment slip.
Can I make an ePayment if no payment is currently due (e.g., future payments)?
Similar to the payment amount, the payment date also depends on the type of policy you own:
Sign in or register here to manage automatic payments online. You may also submit an online form, or send us the Pre-Authorized Payment Plan Request (PS5126US) form via email or post.
I submitted a partial payment for my premium and need to pay the remaining amount. Can I make an ePayment for the outstanding balance?
My fixed premium policy receives a policy dividend. Can I use John Hancock ePay to make a partial payment, and apply my policy dividends to the remaining amount?
My Vitality status has changed and has caused a change to my premium. How should I proceed if the amount due is reflecting incorrectly?
Do I need to be a registered user of JohnHancock.com/lifepayments to use John Hancock ePay?
I have a long-term care policy. Can I pay my premium online?
My policy number and/or name cannot be verified through the online payment system. What should I do?
Please confirm that you have entered your last name accurately, including any hyphens or apostrophes. If you believe you have correctly entered your policy information but are unable to proceed with your ePayment, please contact us at 1-800-813-2294. Representatives are available Monday through Friday from 8:00 a.m. to 6:00 p.m., EST. Note: you must be an authorized party on the policy to obtain information.
I am having trouble submitting an ePayment – who do I contact?
I have general questions about my policy(ies) — who do I contact?
You can reach our Customer Service Center by calling 1-800-387-2747 (if you purchased your policy through John Hancock prior to December 31, 2004, please call 1-800-732-5543). Representatives are available Monday through Friday, 8:00 a.m. to 6:00 p.m. EST.
Is it possible to modify just one detail of my automatic payment plan during set-up?
If you need to make a single change, like a withdrawal date or account number, you will need to update all details as this process will overwrite all your current information.
How do I exit the automatic payment set-up screen?
Click the 'X' at the top corner of your screen.
Please note: Your information will not be saved If you exit the set-up screen before you confirm your automatic payment details.
How long will it take before my automatic payments become active?
Between 2-3 business days
When will I see details of my automatic payment plan in my policy profile?
Details of your payment plan will be viewable online within 2-5 business days
Once I've set up automatic payments, will I receive a written confirmation?
Yes. You will receive confirmation by post within 6-10 business days.
Why can I set up automatic payments online for one policy but not for another?
There are certain policies and policy statuses that may be ineligible for automatic payment set-up
How do I cancel my automatic payments and return to direct billing?
Can I set up automatic payments for my loan but remain on direct bill for my premium?
Can I use my dividends to pay for my premium with automatic payments?
What will happen to my current automatic payment schedule if I received a notice that my policy is lapsed?
Be sure to review your lapse notice for the steps you need to take (including one-time payments). Please note that your automatic payment plan will not necessarily be cancelled. Call Customer Service at 1-800-732-5543 for information specific to your policy.
What is “Live Chat”?
“Live Chat” is a service available to you when you log in to your digital storefront or when you call in via SMS text. The live chat enables you to communicate with us in real time via instant messaging. There is no cost to you for using it.
Do I need special software to chat?
No. All you need is a smartphone, tablet, or computer with an Internet connection. Our Live Chat works within the browser on your device.
Can I use Live Chat to request a call from a customer service representative?
You cannot use Live Chat to request a callback. If you prefer to speak to someone instead, please call our toll-free customer service number.
How do I start a chat?
If you call our dedicated toll-free number, you may hear an option to chat live with one of our representatives. Follow the prompt from our call center menu.
If you are logged in on our website, click or tap our virtual assistant icon in the bottom right corner. A chat window will pop up from the bottom corner of your browser window. The virtual assistant can answer many questions for you or connect you to a live chat representative.
How long will it take for John Hancock to respond to my messages?
Customer service representatives are available to chat Monday through Friday, from 8 a.m. to 6 p.m. EST. As soon as you start the chat, our representative will be ready to answer your questions. The actual response time will depend on your Internet connection speed.
Can I get a copy of the chat conversation?
You can copy and paste the text of a conversation, or print a copy of the chat conversation by using CTRL+P on your keyboard. We are unable to email a transcript.
Can I resume a chat conversation?
If you just minimized an active chat conversation window, you can resume the chat by restoring it. You cannot resume a chat conversation that has been closed or ended. Therefore, you will need to start a new chat session.
What is the survey at the end of the chat about? How will the feedback I provide be used?
We want to learn whether our customer liked using Live Chat so we can keep improving the service. The survey is anonymous.
How do I know the chat is secure?
If you are chatting via SMS text, you should see a “lock” icon at the top of the chat window to verify the connection is secure. We use end-to-end, industry-standard Transport Layer Security (TLS) encryption to prevent unauthorized access to chat sessions. Signing in to your secure online account also protects your chat connection.
What personal data is collected during the chat?
In addition to the chat content, we store and encrypt the conversation transcript, along with items such as phone number, IP address, time of chat, and interaction duration. This information is solely used for internal logging and analytics purposes.
Why are you sending me a 4-digit PIN to initiate the chat?
If you are chatting via SMS text, we will send a 4-digit pin to preserve the confidentiality of the chat session. By using a PIN, we can limit the ability of others to use your unique chat link and ensure unauthorized individuals are not able to access it. This PIN is no longer valid after five minutes. Signing in to your online account and chatting does not require a pin.
How do I know I am chatting with a John Hancock representative?
The chat can only be initiated through our dedicated toll-free number or through our secure website. Our representatives will always identify themselves to you, stating their name. If you are uncomfortable providing personal information via chat, please don’t hesitate to log on to our website or call our dedicated toll-free number via the Contact Us page.
A voiceprint is a digital representation of characteristics in your voice, such as pitch and accent. It is a digital combination of behavioral and physical patterns in your voice and is not a recording of what you are saying. Voiceprints are unique to each individual.
Yes. No action is required of you.
Our technology enables enhanced verification to allow easier and more secure authentication and faster service.
No, it is a free service we offer to protect your account and enhance your customer experience.
As you speak with one of our customer service representatives, your unique voiceprint is created from more than 100 different physical and behavioral characteristics such as pitch and accent. Once your voiceprint is created, we can use your voice to quickly verify it’s you and reduce the need for you to answer additional security questions every time you call.
Yes. Our technology is a secure way of verifying callers. Unlike passwords or PINs, your voiceprint can’t be guessed. It is also not a recording and can’t be used to gain access to any other system or to create a sound recording of your voice.
No, our technology is designed to safeguard against voice recordings and will reject any caller whose voiceprint does not match yours. Your voiceprint is a combination of both the physical and behavioral characteristics of your voice, which is not accessible within a recording.
Yes. Our technology will still be able to recognize you if you have a cold or other illness that may alter the tones and pitches of your voice. It can also recognize subtle changes in your voice over time.
Can more than one voiceprint be associated with my account?
Yes. A co-owner, if applicable, or your financial professional can have their own voiceprint for your account.
What if I have multiple accounts with John Hancock?
Your voiceprint can be used for authentication across your Life Insurance, Annuities and LTC accounts with John Hancock.
Can I use voiceprint on behalf of someone for whom I am caregiver of hold power of attorney?
No. Only the account owner can create a voiceprint.
If we are unable to verify your identity through your voiceprint, we will verify it by asking you security questions. You will still be able to access your account.
Can I opt out of voiceprint?
Yes, please contact customer service to opt out.
How do I report a death to John Hancock?
Which claim form do I have to submit?
How soon will I receive my proceeds?
Generally, funds are disbursed within 7-10 business days.
What if the sole primary beneficiary is deceased?
If the primary beneficiary passed away prior to the insured, and there is no contingent beneficiary on file, the proceeds are payable to the policy owner or the policy owner’s estate (if deceased). If the primary beneficiary passed away after the insured, the proceeds are payable to the beneficiary’s estate. In either case, a copy of the beneficiary’s death certificate will be required.
What if there are multiple primary beneficiaries and one of them is deceased?
Generally, if there are multiple beneficiaries and any have pre-deceased the policy owner, the death benefit will be split between all remaining living primary beneficiaries at the time of the insured’s death. The beneficiary designation on file would need to indicate specific “per stirpes” instructions in order for a death benefit to be payable to the living heirs of a deceased beneficiary. Additional requirements for the beneficiary’s estate and remaining heirs will be required.
What additional paperwork is required if the beneficiary is the estate?
If an estate is opened, then the executor or administrator of the estate must provide a court certificate of appointment, also known as Letters Testamentary, along with the Life Insurance Claim Form. The claim form should be completed using the estate’s tax ID number and signed and dated by the executor or administrator. The executor or administrator’s title must be included with all signatures. In the event that no estate is open, it is now closed, or it is not being probated, please consult with a legal professional to determine how proceeds can be claimed based on the applicable specific state filing requirements.
What additional paperwork is required if the beneficiary is a trust?
A claim form, completed and signed by the trustee(s) of the trust and a Trustee Certification Form, is required. The forms should be completed in the name of the trust, with the trust’s Employer Identification Number (EIN), signed and dated by the trustee(s). When a testamentary trust is a policy beneficiary, the trustee must provide the trust’s EIN and not the EIN of the insured’s estate. The trustee(s)’ title must be included with all the signatures.
What if the deceased has a will that conflicts with the beneficiary designation on file at John Hancock?
The death benefit will be payable based on the beneficiary designations on file at John Hancock, regardless of the instructions in the deceased’s will.
How is my death benefit calculated?
The death benefit is generally based on the face amount of the policy, less any loans or other deductions from the policy. The death benefit payment may also include interest on the proceeds at the rate and for the period of time required by the life insurance policy and state law. A lapsed policy status may impact the death benefit.
Do I have to pay income taxes on this death benefit?
In most cases, only the interest credited on the death benefit is subject to income tax. We report the interest to the IRS and the beneficiary on Form 1099-INT. Please note that part of the death benefit may be taxable if the policy was held in a qualified retirement plan or had been transferred for value. Please consult your tax advisor for further details specific to your situation.
When do I need to complete an IRS Form W- 8?
If a beneficiary is not a US citizen, US resident alien, or other US person, the beneficiary must submit a properly completed IRS Form W-8. There are different forms depending on the beneficiary’s status. Please refer to the forms for instructions on how to properly complete each one. You can obtain copies of the forms and their instructions on the IRS website at IRS.gov.
What if the beneficiary is a minor?
If the proceeds are less than $10,000, John Hancock will generally allow a legal guardian of a minor beneficiary to claim the proceeds upon presentation of a birth certificate for the minor. For your state requirements, please contact a claims representative or legal professional.
If proceeds are $10,000 or more, please contact a claims representative at 888-887-2739 or consult a legal professional on how to proceed with the claim.
What is a contestable claim?
A claim is considered contestable if the insured dies within a two-year period of the issue date or two years from the reinstatement date of a lapsed policy. Generally, we complete a routine investigation to verify the information that was provided at the time of underwriting and policy issuance or reinstatement, as applicable.
How do I handle benefits that have been assigned to a funeral home or similar company?
If benefits have been assigned to a funeral company or similar entity, this does not make them a beneficiary, only an assignee. The funeral home or assigned company should not complete a claim form, it should be completed by the beneficiary(ies).
What if the beneficiary’s name has changed?
You must provide a copy of supporting legal documentation. Examples include a marriage certificate, birth certificate, court document, etc. If the beneficiary is a corporation and the name has changed due to a merger, Articles of Amendment and/or documents issued by the State Department of Commerce will be required.
What if the policy was held in a qualified retirement plan?
A portion of the death benefit is taxable as income and is subject to 20% withholding if payable to an individual beneficiary. Please read the Special Tax Notice and complete the Withholding and Trustee Statement, which can be downloaded from the forms page.
What if an interest in the policy had been transferred in a reportable policy sale to a life settlement or viatical company?
A portion of the death benefit is taxable as income and the insurer must report the death benefit to the IRS. Tax withholding may also apply. Please complete the Statement for a Life Settlement Contract, which can be downloaded from the forms page.
What is an accelerated benefit claim?
There are few greater stresses placed on any individual than those caused by terminal illness. The Accelerated Benefit Rider* allows for the acceleration of either up to 50% or up to 100% of the death benefit, depending on the terms of the policy rider, if the insured has been diagnosed with a terminal illness. It helps give you the security that, should you become terminally ill, you have additional financial resources to tap into if you need them.
Click here to learn more about the accelerated benefit claim process.
I purchased a disability benefit rider with my life insurance policy. Am I eligible to access my disability benefits?
You may be eligible for disability benefits if:
Click here to learn more about the disability benefit claim process.
Eligibility requirements may vary based on the disability rider included on your policy. Please refer to your contract or contact us at 888-887-2739 for more information.
How do I start a Long-Term Care Rider claim?
What is the John Hancock Vitality Program?
The John Hancock Vitality Program rewards life insurance customers for their everyday healthy activities, like walking the dog, going to the doctor and buying healthy food. Healthy activities earn points. Points can add up to rewards and savings! John Hancock offers two versions of the program – Vitality GO and Vitality PLUS.
What is the difference between John Hancock Vitality GO and PLUS?
John Hancock Vitality GO is automatically included with policies at no additional cost. This free version of the program rewards members for the healthy choices they make every day. It includes select rewards from national retailers like REI® and Fitbit®, as well as savings at the grocery store. Note: John Hancock Vitality GO is not available in NY.
John Hancock Vitality PLUS can be added to your policy for as little as $2/month, or, in some instances, may be included in the price of your policy.1 It offers all the benefits of Vitality GO and access to exclusive rewards from Apple, Expedia®, Amazon, Fitbit, REI and more .
To access the comparison of benefits chart, please visit our Vitality comparison page.
Is participation required?
While not required, participation in the Vitality program can earn members rewards and savings. With John Hancock Vitality, taking the dog for a walk, visiting the dentist, buying fruits and vegetables at the grocery store, and many other everyday healthy activities can earn you points. Those points can add up to big rewards!
Can I upgrade from Vitality GO to Vitality PLUS?
Yes! Vitality GO members who are eligible to upgrade may choose to do so at any time during the first 25 months after purchasing their policy for as little as $2 per month.2 When a member upgrades, their Vitality Points and Vitality Status from their Vitality GO account will be automatically transferred to their new PLUS membership to give them a head start towards greater rewards! To find out if your policy is eligible to upgrade, please call 888-333-2659 to speak with a representative.
What is the goal of the John Hancock Vitality Program?
John Hancock Vitality is designed to help people live longer, healthier lives and help them save money. The program awards members Vitality Points when they complete healthy activities. The more Vitality Points a member has, the higher their Vitality Status. The higher the Vitality Status, the greater the rewards!
What are Vitality Points and how do I earn them?
Members who complete healthy activities, such as going to the gym, taking a walk or watching a nutrition webinar, are awarded Vitality Points. The more points you earn, the higher your Vitality Status and the greater your rewards. Members can earn points by recording their healthy activities on a fitness device, through the John Hancock Vitality mobile app or online at JohnHancockVitality.com.
What is a Vitality Status?
Vitality Status is determined by the number of Vitality Points a member accumulates during their Program Year. For Vitality PLUS members, a higher status can mean greater premium savings, increased discounts on bookings with Expedia.com and chances to win retail gift cards. Eligible Vitality GO members who upgrade to Vitality PLUS can transfer their Vitality Status to their new account.2
What healthy activities will earn points?
Points can be earned from physical activity (running, biking, swimming, etc.), as well as getting a flu shot, going to the dentist, buying healthy food, watching educational webinars and getting a good night's rest — just to name a few ways. A complete list of point-earning activities is available in the Points Planner on the member website.
Can I earn points/savings when I buy healthy foods?
Yes! Vitality GO and Vitality PLUS members can earn up to 50 Vitality Points each month for their qualifying healthy food purchases, and save up to $120 a month on Healthy Savings weekly promoted items using the Healthy Savings card or mobile app. In addition, Vitality GO members can save up to an additional $15 a month on fresh produce purchases, and Vitality PLUS members can save up to $50 a month.
Do I need to be physically active to participate?
The John Hancock Vitality Program is designed for people of all physical activity levels who desire to live a long and healthy life. Whether it’s walking the dog or running a marathon, Vitality Points from physical activity are awarded based on the intensity of the workout – the more a member exercises, the more points they earn. There are also a number of ways to participate in the Vitality program that do not include physical activity, such as getting a good night’s rest, watching nutrition webinars, going to the dentist and buying healthy food.
Do I have to wear a fitness device?
No, wearable fitness devices are not required. There are many ways to get credit for physical activity including checking in when you work out at your favorite gym, completing athletic events or using the Apple Health or Google Fit app on your mobile phone.
It is important to note, however, that wearable fitness devices make it easier to record your physical activity and earn Vitality Points! Vitality GO members are eligible for discounts on devices from Fitbit, Garmin and Polar. Vitality PLUS members can choose the wearable device that works best for them, including devices available through the program:
Learn more about the John Hancock Vitality Program benefits and wearable devices offered.
(Note: Apple Watch program is not available in New York or Puerto Rico. Apple Watches ordered through John Hancock Vitality may not be shipped to addresses in Guam.)
Can I earn Vitality Points for at-home workouts?
Prioritizing your physical and mental well-being at this time is incredibly important but we realize many of your daily routines, including going to the gym, may have been disrupted. To support you, the John Hancock Vitality Program is making some temporary adjustments to enable you to continue engaging in your preferred activities and earning Vitality Points.
You can now earn Standard Workout points for exercising at home. View the quick how-to guide and upload proof of your at-home workouts to earn your points. These points will also qualify toward Apple Watch payments.
We will continue to count fitness device workouts, e.g., via Apple Watch, Fitbit, Garmin, etc.
In addition to at-home workouts, there are other John Hancock Vitality resources available online that we encourage you to explore to help you eat well, get a good night’s sleep, and calm your mind.
Supporting your health and safety is our top priority and we are committed to continuing to provide you the many benefits and rewards associated with your Vitality membership.
How do I earn an Apple Watch?
After completing the Vitality Health Review (VHR), John Hancock Vitality PLUS members can order the newest Apple Watch for as little as $25 plus tax. Then the remaining balance of the watch is divided over 24 monthly payments. The more Standard or Advanced workouts a member completes each month, the more Vitality Points they will earn and the less they will pay for their Apple Watch (down to $0 payments). Earn 500 Vitality workout points every month for two years and you’ll never make another payment on your watch. Learn more about Apple Watch from John Hancock Vitality. (Note: The Apple Watch program is not available in New York or Puerto Rico.)
What rewards are available with Vitality PLUS?
John Hancock Vitality PLUS members can:
Learn more about the benefits and wearable device options for John Hancock Vitality PLUS members.
Note: Apple Watch, Amazon Prime, and Expedia® benefits are not available in New York. They are replaced by healthy living and active lifestyle rewards.
What rewards are available with Vitality GO?
John Hancock Vitality GO members can enjoy:
What rewards are available with Vitality PLUS in New York? Is Vitality GO available in New York?
Vitality PLUS members in New York can earn gift cards to popular retailers like Adidas, Nike and Under Armour, a free Fitbit device within their first Program Year, discounts on wearable fitness devices including Fitbit, Polar and Garmin, up to $600 annual savings on fresh fruits and vegetables, and more!
Vitality PLUS members who purchase a policy in New York also receive access to health resources, including the Tufts Health & Nutrition Letter and Live More magazine, an exclusive publication for John Hancock Vitality members.
Vitality GO is not available in New York.
Does participating (or not participating) impact the cost of my life insurance?
Participation in the program is not required and your level of participation in Vitality GO will not impact your premiums. However, premiums for Vitality PLUS may vary based on the type of policy purchased, the terms of the policy and the level of participation in the John Hancock Vitality Program. To find out if your life insurance policy is eligible for the John Hancock Vitality Program, please call 888-333-2659.
How do I redeem rewards?
*Provides a ""living benefit"" if the insured is certified to be terminally ill. Benefits may be taxable under current tax law and receipt of benefits may affect eligibility for public assistance programs. Benefit is payable to the policy owner. Please consult your tax adviser regarding the tax implications of benefits received under the Accelerated Benefit. This provision allows the insured to receive up to 50% of the death benefit of the contract, to a maximum of $1 million. Policy death benefit will be reduced by the amount of the accelerated benefit payable, plus one year’s interest. The interest rate charged is the policy loan interest rate. If the policy does not include a loan provision, the interest rate charged is determined monthly and is the variable loan interest rate on currently issued policies.
1 For single-life permanent products. For Protection Term with Vitality PLUS the rider fee will be 3% of the policy’s modal premium. For Survivorship products the cost is $4/month. Not all policy types are available for upgrade.
2 For single life permanent products. For term products, the rider fee will be 3% of the policy’s modal premium. Not all policy types are available for upgrade.
Premium savings are in comparison to the same John Hancock life insurance policy without Vitality PLUS. The level of premium savings are cumulative over the life of the policy and 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.
Apple Watch program is not available in New York or Puerto Rico. Apple Watches ordered through John Hancock Vitality may not be shipped to addresses in Guam. Once you become a Vitality PLUS member and complete the Vitality Health Review (VHR), you can order Apple Watch by electronically signing, at checkout, a Retail Installment Agreement with the Vitality Group, for the retail price of the watch. After an initial payment of $25 plus tax, over the next two years, monthly out-of-pocket payments are based on the number of Standard Workouts (10,000 to 14,999 steps) and Advanced Workouts (15,000 steps) or the applicable Active Calorie or heart rate thresholds. The step counts required for Standard and Advanced Workouts are reduced for members beginning at age 71+. One-time upgrade fees plus taxes apply if you choose (GPS + Cellular) versions of Apple Watch, larger watch case sizes, and certain bands and case materials. For more information, please visit JohnHancock.com. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.
Vitality GO is not available with policies issued in New York & Puerto Rico. The HealthyMind, Expedia.com® and Amazon.com benefits are not available in New York.
The Galleri test is only available to registered John Hancock Vitality PLUS members who are 50 years of age or older and have completed the Vitality Health Review (VHR) for the current program year. For eligible polices with coverage amounts of $500,000 or greater, 100% of the cost of the test will be subsidized. For policies with less than $500,000 in coverage, 50% of the cost of the test will be subsidized. Please note: for members with multiple policies, the policy with the highest face amount will determine the subsidy amount of the Galleri offer. The offer of discounted access to the Galleri test is subject to change. Access to the Galleri test through the John Hancock Vitality Program is not available in all states. The Galleri test is manufactured and distributed by GRAIL,LLC. John Hancock does not provide medical advice, is not involved in the design or manufacture of the Galleri test and is not responsible for the accuracy or performance of the Galleri test.
HealthyFood savings are based on qualifying purchases and may vary based on the terms of the John Hancock Vitality Program. The HealthyFood program is currently not available in Guam.
REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion.
To be eligible to earn rewards and discounts by participating in the Vitality program, the insured must register for Vitality and in most instances also complete the Vitality Healthy Review (VHR).
Travel discounts are not available in New York. Travel discounts valid for 3 bookings per program year. For term with Vitality policies with a face amount less than $2,000,000, travel discounts valid for 1 booking per program year. The amount of discount will vary based upon policy type, coverage amount, and the Vitality Member’s Vitality status (Bronze, Silver, Gold, Platinum) and will only apply to the first $1000 of the booking cost.
Amazon Prime benefit is not available in New York. Amazon Prime membership available to Vitality PLUS members who have reached Platinum Status for three consecutive program years.
This material does not constitute tax, legal, investment or accounting advice and is not intended for use by a taxpayer for the purposes of avoiding any IRS penalty. Comments on taxation are based on tax law current as of the time we produced the material.
Loans and withdrawals will reduce the death benefit and the cash surrender value, and may cause the policy to lapse. Lapse or surrender of a policy with a loan may cause the recognition of taxable income. Withdrawals in excess of the cost basis (premiums paid) will be subject to tax and certain withdrawals within the first 15 years may be subject to recapture tax. Additionally, policies classified as modified endowment contracts may be subject to tax when a loan or withdrawal is made. A federal tax penalty of 10% may also apply if the loan or withdrawal is taken prior to age 59 1/2. Cash value available for loans and withdrawals may be more or less than originally invested. Withdrawals are available after the first policy year.
Life insurance death benefit proceeds are generally excludable from the beneficiary’s gross income for income tax purposes. There are few exceptions such as when a life insurance policy has been transferred for valuable consideration.
John Hancock Vitality Program rewards and discounts are only available to the person insured under the eligible life insurance policy. Rewards may vary based on the type of insurance policy purchased for the insured (Vitality Program Member). Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of the policy.
Products or services offered under the Vitality Program are not insurance and are subject to change. There may be additional costs associated with these products or services and there are additional requirements associated with participation in the program. For more information, please contact the company at JohnHancock.com or via telephone at 888-333-2659.
Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. 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 and securities are offered through John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 197 Clarendon Street, Boston, MA 02116.