¹ 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.

² For single life Permanent products. For Protection Term with Vitality products, the rider fee will be 3% of the policy's modal premium. For Vitality Term and Simple Term with Vitality the cost of Vitality PLUS is included within the cost of the policy. For permanent survivorship products, rider the cost is $4.

³ 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 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 Series 7 requires iPhone 6s or later with iOS 15 or later. Apple Watch SE requires iPhone 6s or later with iOS 14 or later. Apple Watch is a registered trademark of Apple Inc. All rights reserved.

⁴ 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.

⁵ Expedia discounts are not available in New York. Depending upon the amount of coverage and policy type purchased, Expedia discounts are valid for either three bookings or one 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.

⁶ In New York, entertainment, shopping, and travel rewards are not available and are replaced by healthy living and active lifestyle rewards. Amazon.com discounts are not available in New York. REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion.

⁷ 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.

⁸ The HealthyMind benefit is not available in New York. You may also use a free meditation app that is compatible with the HealthyMind program.

90% of Vitality PLUS members are realizing financial benefits just for doing everyday healthy activities, and members with our biggest policies ($100K in premiums) are earning rewards and influencing their policy performance by making healthy choices: Year 1 status attainment for registered Vitality PLUS members as of year-end 2019.

$8.4M in rewards earned with John Hancock Vitality life insurance: Based upon internal John Hancock Vitality reporting utilizing rewards data from April 2015 – December 2020.

Nearly 70% of members who engaged in Vitality their first year stayed engaged year over year: Based on completed policy years for active, registered Vitality PLUS members who achieved Gold in the first year (2015 & 2016 issue years). Data as of Feb 2021.

Each day Vitality members average nearly 8,400 steps: John Hancock Vitality member data from 7/20-7/21.

In just one year nearly 50% of members have reported BMI reductions, nearly 47% have reported improved blood pressure, 37% improved glucose, 33% improved cholesterol; and 80% of John Hancock Vitality members report similar or better overall health year over year: Based on Vitality Health Review self-reported data from registered John Hancock Vitality PLUS members with responses in both 2018 and 2019.

Vitality PLUS customers have a 92% satisfaction rate with their agent: Based on John Hancock’s Net Promotor Score Data, reported from Medallia 2020.

81% of members say Vitality has positively impacted their life: Based on Medallia John Hancock Vitality member surveys, Brokerage Vitality PLUS Members, 2020 YTD.

30-Year Term is not available in New York.

Vitality GO is not available with policies issued in New York & Puerto Rico.

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. 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. The Amazon Halo health and wellness membership is complimentary from Amazon for the first three years, after which charges will apply automatically to the credit card on file with Amazon.com unless the membership is opted out of. Amazon and all related marks are trademarks of Amazon.com, Inc. or its affiliates.

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. John Hancock Vitality Program rewards and discounts are available only to the person insured under the eligible life insurance policy, are subject to change and are not guaranteed to remain the same for the life of the policy. Rewards may vary based on the type of insurance policy purchased for the insured Vitality Program Member.

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 which policy is suitable for your needs. Availability of policies, features, and benefits may vary by state.

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.


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