¹ Premium savings are in comparison to the same John Hancock life insurance policy without Vitality PLUS or without participation in the Vitality program. The level of premium savings over the life of the policy is based on policy type and may vary based upon underwriting status, issue age, the terms of the policy and the Vitality Status achieved.   Premiums savings are only available with Vitality PLUS. Total Term with Vitality premium savings have a maximum of 15%

Polity 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. 

The life insurance policy describes coverage under the policy, exclusions and limitations, what you must do to keep your policy inforce, and what would cause your policy to be discontinued.  Please contact your licensed agent or John Hancock for more information, costs, and complete details on coverage to help you determine if this policy is suitable for your needs.  Availability of policies, features, and benefits may vary by state.

Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. 

Aspire is not currently available with the Simple Term with Vitality product or the Final Expense whole life, guaranteed acceptance product sold by John Hancock via our direct to consumer web-based sales process. 

Aspire is not available in New York, 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 products are issued by: John Hancock Life Insurance Company (U.SA.), Boston. MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.

Financial planning and investment advice provided by John Hancock Personal Financial Services, LLC (“JHPFS”), an SEC registered investment adviser. Investments: not FDIC insured – No Bank Guarantee – May Lose Value. Investing involves risk, including loss of principal, and past performance does not guarantee future results. Diversified portfolios and asset allocation do not guarantee profit or protect against loss. Nothing on this site should be construed to be an offer, solicitation of an offer, or recommendation to buy or sell any security. Before investing, consider your investment objectives and JHPFS’s fees. JHPFS does not provide legal or tax advice and investors should consult with their personal legal and tax advisors prior to purchasing a financial plan or making any investment.

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