Apple Watch Program
Earn the latest Apple Watch for as little as $25 plus tax with regular exercise when you purchase life insurance from John Hancock.
Here's how the program works:
1 Register
Register for your Vitality member account and complete the Vitality Health Review (VHR).
2 Order your Apple Watch
Order your Apple Watch for an initial payment of $25 plus tax.
3 Earn Vitality Points
Walk, run, bike, swim or any number of exercises that qualify as Standard or Advanced workouts in the program and earn Vitality Points that go toward your monthly watch payments.
Monthly payments are based on the number of Vitality Points you earn each month from qualifying activities over a 24-month period.
Earn 500 Vitality Points from Standard or Advanced workouts each month over two years and you’ll make no additional payments.
Reduce your monthly payments by earning Vitality Points:
The graph below shows the amount you may pay for your Apple Watch each month based on the amount of points you earned.*
What qualifies as a Standard or Advanced workout with Apple Watch?
Device |
Measurement |
Standard workout (20pts/day) |
Advanced workout (30pts/day) |
| Apple Watch
|
Step count | 10,000 | 15,000 |
| Active calories | Threshold based on health app data** | Threshold based on health app data** | |
| Heart rate | 60% of max heart rate for 30 minutes |
60% of max heart rate for 45 minutes |
Apple Watch |
Standard Workout (20 pts/day) |
Step count: 10,000 |
Active calories: Threshold based on health app data** |
Advanced workout (30 pts/day) |
Step count: 15,000 |
Active Calories: Threshold based on health app data** |
Other device*** |
Standard Workout (20 pts/day) |
Step count: 10,000 |
Minimum calories burned: 200 |
Heart rate: 60% of max heart rate for 30 minutes |
Gym attendance: 30 minutes or more |
Advanced workout (30 pts/day) |
Step count: 15,000 |
Minimum calories burned: 300 |
Heart rate: 60% of max heart rate for 45 mintues |
Gym attendance: N/A |
For our current customers
Contact us
Life insurance service center (all states except New York)
Phone: 1-800-387-2747
TTY: 1-800-832-5282
M-F, 8AM to 6PM, ET
New York Service Center
Phone: 1-888-267-7781
M-F, 8AM to 6PM, ET
Mail to:
Life Post Issue Services
John Hancock Insurance
PO Box 55979
Boston, MA, 02205
Helpful links
*Monthly cost shown as of 10/24.
** Thresholds for Standard and Advanced Workouts are based on sex, height and weight data you provided in the Health app when you linked your Apple Watch to your John Hancock Vitality account. See the Health section of the John Hancock Vitality app for your personal Active Calories thresholds.
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.
Apple Watch Ultra 2, Apple Watch Series 10, and Apple Watch SE require an iPhone Xs or later with iOS 18 or later.
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, may vary based on the type of insurance policy purchased and the state where the policy was issued, are subject to change and are not guaranteed to remain the same for the life of the policy.
Vitality PLUS refers to the benefits provided under the Healthy Engagement rider (HER) or the Healthy Engagement Benefit rider (HEBR). The Healthy Engagement rider offers the opportunity to earn premium savings by engaging in the Vitality Program. The Healthy Engagement Benefit rider does not offer premium savings but instead offers the opportunity to enhance the death benefit by engaging in the Vitality Program and is only available on certain products.
Please consult your insurance agent as to how premium savings may affect the policy you purchase.
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.
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