For claims related to the vast majority of the vast majority of John Hancock applicants with diabetes are approved for coverage. In 2018, 88% of applicants with type 2 diabetes were approved for coverage by John Hancock; 75% of people with type 2 diabetes and other commonly related conditions were approved for coverage. 66% of people with type 1 or type 2 diabetes and other related conditions were approved for coverage.
1 Aspire is not available in New York, Idaho and Puerto Rico. 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. The benefits available under Aspire can vary depending on whether the insured has Type 1 or Type 2 diabetes, the type and coverage amount of the life insurance policy purchased and the level of Onduo engagement with the John Hancock Vitality Program. Eligibility for an Onduo membership is also subject to Onduo’s qualification requirements. 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.
2 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%.
3 John Hancock term life insurance policies with less than $500,000 in coverage are not eligible for the Onduo membership. For people with type 2 diabetes who are eligible for Onduo membership, John Hancock will pay for the membership for the first year. In year 2 and after:
For permanent life insurance policies of $250,000 or more in coverage and term policies of $2 million or more in coverage:
4 The tax treatment of certain aspects of the Aspire and Vitality Programs is uncertain. The value of some of the benefits you may receive in connection with these programs, such as gift cards and other cash equivalents, could be includible in your taxable income. John Hancock expects to report to the IRS only those benefits associated with these programs that it believes are taxable income, such as gift cards and other cash equivalents. Taxable benefits will be reported to the IRS by the company only if the value of such benefits received in a year is $600 or more. This material does not constitute tax or legal advice and neither John Hancock nor any of its agents, employees or licensed agents are in the business of offering such advice. You should consult your own tax advisor.
5 The complimentary Amazon Halo device and three-year Halo membership are only available to new Vitality PLUS Members and are not available with policies issued in New York, Puerto Rico and Guam. At the end of the complimentary Amazon Halo health and wellness membership, charges will apply automatically to the credit card on file with Amazon.com unless the membership is opted out of. Amazon Halo allows Vitality members to earn Vitality Points for physical activity, Halo Sleep and Halo Labs. The Amazon Halo health and wellness membership is required in order to earn Vitality Points for Halo Sleep and the full suite of Halo Labs. Other features of Halo are not eligible for Vitality Points with the Vitality Program. Amazon and all related marks are trademarks of Amazon.com, Inc. or its affiliates.
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. This is a request for information only and not an application for insurance. There is no cost or obligation to purchase associated with submitting this information, nor is there any guarantee that John Hancock will offer you any insurance product. Your consent to be contacted may subsequently be withdrawn by calling 1-800-721-3774. Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of the policy. John Hancock Vitality Program rewards and discounts are only available to the person insured under the eligible life insurance policy. 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.