John Hancock Vitality
Trusted for 10+ years, John Hancock Vitality® is the first life insurance of its kind that rewards customers for healthy choices and motivates them to live their best lives.
Vitality is a program that comes with all John Hancock life insurance.
Members earn points for everyday healthy choices, from staying active to keeping up with preventative care.
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Big rewards Exclusive rewards for prioritizing the healthy activities you already do. View rewards
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Premium savings Up to 25% off for taking steps to live a longer, healthier, better life.1
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Family protection Enjoy longer, healthier years together with protection for the people who matter most.
Why John Hancock Vitality?
| Benefit | Traditional life insurance | Life insurance with Vitality PLUS |
| End-of-life protection | ✔ | ✔ |
Save up to 25% on premiums |
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| Rewards and discounts from exclusive partners like Apple Watch®, Fitbit®, Amazon, Expedia®, REI, Headspace®, Nutrisense® and more |
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| Access to prevention and early detection screening Eligible Vitality customers can get access to a Galleri® multi-cancer early detection test, a Prenuvo whole-body MRI scan, and a membership to Function Health. |
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| Save money on food Eligible Vitality customers can earn up to $50 in savings a month for purchasing fresh produce at participating grocers as part of our HealthyFood benefit. |
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| The only life insurance provider in the U.S. offering Vitality Vitality is a science-backed incentive program. |
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Why our customers love Vitality
“There's always a reason not to work out — work, the kids, it's too hot, it's too cold, it's too rainy. Vitality has been a nice gentle nudge to get me out the door and active and push past those excuses. Never once have I regretted it.”
“It helps me stay accountable for a healthy life. I'm not always perfect but I keep coming back. Healthy living is one day at a time for permanent lifestyle changes.”
“From the first day of the program I realized I could improve my health, mindset and overall quality of life. I found I thrive on the daily encouragement and accountability of tracking my overall progress.”
Explore additional Vitality benefits
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Prevention and early detection With special access to a variety of innovative screenings from GRAIL, Prenuvo, Function Health and more, eligible customers can proactively look out for cancers and other diseases.
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Nutrition With Vitality’s HealthyFood benefit, you can get instant savings at the grocery store checkout.
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Sleep and meditation With the HealthyMind benefit, you’re rewarded for taking steps to give your mind and body the rest and relaxation they need.
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Diabetes wellness John Hancock Aspire is a unique program designed for people living with type 1 or type 2 diabetes. It combines the financial protection of John Hancock life insurance with benefits and rewards to support healthy living.
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Our Longevity Perspective
Uncover the path to living Longer. Healthier. Better. with John Hancock. From research and insights to thought leadership and expert perspectives, we’re taking proactive steps toward a future filled with more moments that matter.
Take a look at our frequently asked questions
The John Hancock Vitality Program rewards life insurance customers for their everyday healthy activities, like walking the dog, going to the doctor and buying healthy food. Healthy activities logged through the Vitality app or website earn Vitality Points and those points add up to a Vitality Status. The higher your status, the greater your rewards! John Hancock offers two versions of the program – Vitality GO and Vitality PLUS.
John Hancock Vitality GO is automatically included with policies at no additional cost. This free version of the program rewards members for the healthy choices they make every day. It includes:
- REI discounts
- Discounts on wearable fitness devices
- Complimentary personalized tips and content from experts to help you live a longer, healthier life
- Savings on eligible healthy foods at the grocery store
Note: John Hancock Vitality GO is not available in NY.
John Hancock Vitality PLUS can be added to eligible policies for as little as $2/month5, or, in some instances, may be included in the price of your policy. It offers all the benefits of Vitality GO, in addition to:
- Save up to 25% off your premium for making healthy choices1
- Choose the latest model of one of these wearable devices:
- Apple Watch® for as little as $25 plus tax, earned with regular exercise6
- Complimentary Fitbit® device
- Access to Galleri® multi-cancer screening test for eligible customers7
- Save on eligible healthy foods at the grocery store8
- Exclusive travel discounts from Expedia®9
- Retail discounts from Amazon, REI®, Starbucks, and more10
- An Amazon gift card toward a one-year Amazon Prime membership when you reach Platinum status three years in a row11
- Free subscription to Headspace®, a top-rated meditation app12
- Special discount on a Nutrisense membership13
- Prenuvo whole body MRI scan14
- Special pricing on a Function health membership15
- Free personalized tips and content from experts to help you live a longer, healthier life
Visit the benefits comparison page to learn the differences between Vitality PLUS and Vitality GO.
Vitality GO members who are eligible to upgrade may choose to do so at any time during the first 25 months after purchasing their policy for as little as $2 per month. When a member upgrades, their Vitality Points and Vitality Status from their Vitality GO account will be automatically transferred to their new PLUS membership to give them a head start towards greater rewards!
To learn more about upgrading to Vitality PLUS, log in to your John Hancock Vitality account, view the "Rewards" menu, and select "Upgrade to Vitality PLUS". Note: if you do not see this in your menu, your policy is not currently eligible to upgrade. Call us at 888-333-2659 if you have any questions.
Members can receive points and prizes using the Vitality Wheel and Vitality Squares.
Vitality Wheel is an interactive mobile application engagement activity that allows you to spin a wheel for the opportunity to receive Vitality Points and e-gift cards. Wheel spins are earned when you meet your weekly points target through Standard or Advanced workouts, or when you achieve a new Vitality Status. You must have the John Hancock Vitality mobile app to activate your weekly points target and spin the Vitality Wheel.
Vitality Squares is an interactive online engagement activity you can play monthly to receive Vitality Points and e-Gift Cards by revealing squares with fruit images. Vitality Squares is available to Vitality members who have completed their Vitality Health Review (VHR) in the current program year. The higher your Reward Status, the greater the number of squares you may reveal and the greater your possible reward. If you receive a gift card, you will be presented the option to choose a different gift card within a select group.
Explore our life insurance offerings
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Term life insurance Helps provide financial protection for a specific period of time (e.g., 10, 15, or 20 years).
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Permanent life insurance Death benefit protection designed to last your entire life with cash potential that can help you meet your goals.
Learn more
1Premium 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. Premium savings are only available with Vitality PLUS and may not be applicable to certain products.
2VHR data. Based on Vitality Health Review self-reported data from registered John Hancock Vitality PLUS members with responses in both 2024 and 2023.
3VHC data. Based on members that had a BMI response on the Vitality Health Check in both 2023 and 2024.
4Based on John Hancock’s Net Promoter Score data, reported from Medallia responses from 8/1/23 to 1/31/24.
5For single life Permanent products. 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.
6Apple Watch program is not available in 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.
7The Galleri test is only available to registered John Hancock Vitality PLUS members who are 40 years of age or older and have completed the initial Vitality Health Review (VHR). For eligible polices with Face Amounts of $500,000 or greater in life insurance coverage, 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. The Galleri test does not detect a signal for all cancers and not all cancers can be detected in the blood. False positive and false negative results do occur. The Galleri test should be used in addition to healthcare provider recommended screening tests.
8HealthyFood 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.
9For Vitality PLUS, travel discounts valid for 3 bookings per program year. For non-New York 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.
10REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse, or have any responsibility for this promotion.
11Vitality 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.
12The Headspace benefit is not available in New York.
13Discounted access to the Nutrisense membership is only available to registered John Hancock Vitality PLUS members who have completed the Vitality Health Review (VHR) for the current program year. The offer of discounted access to the Nutrisense membership is subject to change and is not currently available in all states. John Hancock is not an affiliate of Nutrisense. Services under the Nutrisense membership are provided by Nutrisense directly to the John Hancock Vitality member. John Hancock does not provide medical advice, is not involved in the services provided by Nutrisense and is not responsible for the accuracy or performance of such services. John Hancock does not receive individual data from Nutrisense with respect to any John Hancock Vitality member.
14The 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.
15Access to special pricing for the Function Health membership is only available to registered John Hancock Vitality PLUS members who have completed the Vitality Health Review (VHR) for the current program year. Access to special pricing is only applicable to the first year membership fee. The access to special pricing towards the Function Health membership is subject to change. Access to special pricing through the John Hancock Vitality Program is not currently available in all states. John Hancock is not an affiliate of Function Health. The lab testing services available via Function Health are administered by third party lab services providers. John Hancock does not provide medical advice or guidance on further diagnostic testing or treatment following the receipt of lab results via Function Health, is not involved in the services provided by Function Health and is not responsible for the accuracy or performance of such services.
Vtality GO is not available with policies issued in New York.
Discounted access to the AED products and services offered by GoRescue are only available to registered John Hancock Vitality members who have completed the Vitality Health Review (VHR) for the current program year. The offer of discounted access to the AEDs provided by GoRescue is subject to change and is not currently available in all states. John Hancock is not an affiliate of Go Rescue. The AED products and services are provided by GoRescue directly to the John Hancock Vitality member. John Hancock does not provide medical advice, is not involved in the products or services provided by GoRescue and is not responsible for the accuracy or performance of such products or services.
For Amazon.com Gift Cards, restrictions apply, see www.amazon.com/gc-legal for complete terms, restrictions and exceptions.
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 merchants represented are not sponsors of the John Hancock Vitality Program or otherwise affiliated with John Hancock or Vitality. The logos and other identifying marks attached are trademarks of and owned by each represented company and/or its affiliates.
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 and the state of issue.
To be eligible to earn rewards and discounts by participating in the Vitality program, the insured must register for Vitality and in most instances also complete the Vitality Healthy Review (VHR).
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.
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.
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