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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 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.

³ For Amazon Gift Cards, restrictions apply, see  www.amazon.com/gc-legal for complete terms, restrictions and exceptions.


⁴ Amazon Prime benefit is not available in New York. Vitality PLUS members who have reached Platinum Status for three consecutive program years are eligible to receive an Amazon Gift Card in the amount of the cost of a one-year membership to Amazon Prime under the annual rate. Cost of tax and/or any upgrades to ad-free Prime Video subscription not included.

⁵ REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion.

⁶ Travel discounts are not available in New York. For Vitality PLUS, 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. For Vitality GO, a 10% discount is valid for 1 booking per year, only applies to the first $1000 of booking coast and is not impacted by the members Vitality status.

⁷ The Galleri test is only available to registered John Hancock Vitality PLUS members who are 40 years of age or older and have completed the Vitality Health Review (VHR) for the current program year. For eligible polices with face amounts of $500,000 in life insurance coverage or greater, 100% of the cost of the test will be subsidized. For policies with face amounts less than $500,000 in life insurance coverage, 50% of the cost of the test will be subsidized. Test eligibility is also subject to Grail's clinically informed criteria, as well as additional cancer risk factors for those ages 40-49.  Please note: for members with multiple policies, the policy with the highest face amount in life insurance coverage 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 currently 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.

⁸ The Prenuvo scan is only available to registered John Hancock Vitality PLUS and GO members who have completed the Vitality Health Review (VHR) for the current program year. The offer of discounted access to the Prenuvo scan is subject to change. Access to the Prenuvo scan through the John Hancock Vitality Program is not currently available in all states. The Prenuvo scan is developed and administered by Prenuvo and its affiliated professional entities. John Hancock does not provide medical advice or guidance on further diagnostic testing or treatment following the Prenuvo scan, is not involved in the design or administration of the Prenuvo scan and is not responsible for the accuracy or performance of the Prenuvo scan.

⁹ 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. 

¹⁰ The HealthyMind (Headspace) benefit is not available in New York.

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

If you have a Term policy with Vitality PLUS with a face amount less than $2,000,000: you are only eligible to earn the latest Apple Watch or get a complimentary device, discounts on wearable devices, up to $50 in instant savings per month on fresh produce purchases, a free premium subscription to Headspace, a 15% healthy gear discount, shopping and entertainment discounts, Amazon gift card toward a one-year Amazon Prime membership, exclusive discounts at Expedia.com and a free health check in the first Program Year only. Term policies with face amounts of $2,000,000 and above are eligible for the full suite of rewards and discounts.

To be eligible to earn certain rewards and discounts by participating in the Vitality program, the insured must register for Vitality and, in most instances, also complete the Vitality Health Review (VHR).

The merchants represented are not sponsors of John Hancock Vitality or otherwise affiliated with John Hancock Vitality. The logos and other identifying marks attached are trademarks of and owned by each represented company and/or its affiliates. Please visit each company's website for additional terms and conditions.

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. Rewards may vary based on the type of insurance policy purchased for the insured.

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.

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. Some riders may have additional fees and expenses associated with them.

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

In New York, entertainment, shopping, and travel rewards are not available and are replaced by healthy living and active lifestyle rewards.

Insurance policies and/or associated riders and features may not be available in all states. 

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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