Now there's life insurance designed for people living with diabetes
Now there's life insurance designed for people living with diabetes
* For claims related to 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. 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.
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:
- John Hancock will pay for Onduo membership if member earn at least 900 points engaging with Onduo each year.
- If member does not earn at least 900 points engaging with Onduo each year, they will have the option to pay for the membership. Onduo will determine the membership type and cost. Costs typically range from
$250-$750 and are subject to change by Onduo.
For permanent life insurance policies of less than $250,000 in coverage and term policies of less than $2 million in coverage: • John Hancock will not pay for the cost of Onduo membership after year 1. - Member will have the option to pay for the membership. Onduo will determine the membership type and cost. Costs typically range from $250-$750 and are subject to change by Onduo.
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.
6 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, certain bands and case materials. For more information, please visit www.JohnHancockInsurance.com. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.
7 $2.00 Per month for single life permanent products. $4 per month for survivorship permanent policies. For term products, the rider fee will be 3% of the policy’s modal premium.
Vitality GO is not available with policies issued in New York & Puerto Rico.
In New York, entertainment, shopping, and travel rewards are not available and are replaced by healthy living and active lifestyle rewards. The Hotels.com, Heathy Mind (Headspace) and Amazon Prime benefits are not available in New York.
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.
REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion.
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.
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Living with type 1 or type 2 diabetes shouldn’t keep you from getting the life insurance you deserve.
And John Hancock Aspire makes it even more rewarding with:1
Savings of up to 25% off the cost of your insurance2
Discounts on healthy foods, fitness devices and travel
Virtual consults with diabetes experts from Onduo
Tell me how much life insurance with John Hancock Aspire costs.
No two people with diabetes are the same. To give you the quote that’s right for you, we’ll need a bit more information.
Simply call 888-955-5432 and talk to a financial professional.
Diabetes is just one of the small details that makes you, you.
Let us reward you for all the things you do to take care of your health.
Rewarding you for things as simple as taking a walk around the block, buying fresh fruits and vegetables at your local store and getting a good night’s sleep.
Living with type 1 or type 2 diabetes shouldn’t keep you from getting the life insurance you deserve.
And John Hancock Aspire makes it even more rewarding with:1
Savings of up to 25% off the cost of your insurance2
Discounts on healthy foods, fitness devices and travel
Virtual consults with diabetes experts from Onduo
Tell me how much life insurance with John Hancock Aspire costs.
No two people with diabetes are the same. To give you the quote that’s right for you, we’ll need a bit more information.
Simply call 888-955-5432 and talk to a financial professional.
Diabetes is just one of the small details that makes you, you.
Let us reward you for all the things you do to take care of your health.
Rewarding you for things as simple as taking a walk around the block, buying fresh fruits and vegetables at your local store and getting a good night’s sleep.
Extra support from Onduo
As part of our commitment to you, John Hancock offers eligible members access to the experts at Onduo3 — a virtual care program empowering people with type 2 diabetes to live well with:
Free blood glucose meter and testing supplies⁴
Virtual consults with medical experts and specialists
Personal health coaching
Frequently asked questions
What is John Hancock Aspire?
John Hancock Aspire is a special 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 — including the chance to save up to 25% off the cost of your insurance.2
Aspire is available with any John Hancock term or permanent life insurance policy, so you can pick the policy that’s right for your financial goals and needs. See additional details about term and permanent policies below.
What are the benefits of Aspire?
In addition to savings of up to 25%2, Aspire offers:
- Choose the latest model of one of these wearable devices:
- The latest Apple Watch® for as little as $25 plus tax, earned with regular exercise5
- Complimentary Fitbit® device
- Savings on fresh fruits and vegetables and other healthy food purchases
- Resources to set and reach personal health goals
- Discounts at Amazon, Expedia®, REI and other popular retailers
- Delicious recipes and workout tips delivered right to your inbox
And people living with type 2 diabetes may also be eligible to participate in a virtual diabetes clinic from Onduo that includes:3
- Free testing devices and supplies4
- Consults with diabetes experts
- Personal health coaching
What is the difference between term and permanent life insurance?
Term – A term life insurance policy offers coverage for a set period (e.g., 10, 15, or 20 years), allowing you to pay for coverage only as long as you need it — maybe until your kids are out of college or your mortgage is paid off.
Permanent – A permanent life insurance policy can offer coverage for a lifetime and has the potential to accumulate cash value that can help supplement retirement income, cover emergencies or other future expenses.
How do I know if a term or permanent policy is right for me?
The type of life insurance that’s right for you depends on many factors, including what you’re looking to protect, how long you’re looking for coverage and your budget.
A term policy allows you to set the timeframe, pay a set premium for that period and then end your coverage. Or, in some cases, you may have the option to convert to a permanent policy when your term is up if your needs have changed. Term policies are typically less expensive than a permanent policy.
A permanent policy offers protection to your family or business for your entire life. Permanent life insurance includes many different types of products, including:
- Whole life
- Universal life
- Variable universal life
Permanent policies tend to be more expensive but may build cash value as you pay your premiums. Permanent policies can also be more flexible to change as your needs change over your lifetime.
After learning more about your individual needs, an Aspire expert will be able to help you determine if a term or permanent policy is best for you.
If I have diabetes am I able to get life insurance?
People living with diabetes can get life insurance. We know diabetes does not define you. When we look at an applicant, we review your medical history, including your age, A1c levels, whether or not you smoke, and other factors that round out your individual profile. An Aspire expert will be able to walk you through the entire application process, so you know exactly to expect.
I was declined for life insurance previously, am I able to get John Hancock Aspire?
Just because you were previously declined for a life insurance policy does not mean you will not be able to get a John Hancock policy with Aspire. We know diabetes does not define you. When we look at an applicant, we review your medical history, including your age, A1c levels, whether or not you smoke, and other factors that round out your individual profile. An Aspire expert will be able to walk you through the entire application process, so you know exactly what to expect.
What are the qualifications for Onduo?
Onduo is a virtual diabetes clinic for people living with type 2 diabetes.3,4 Onduo will evaluate whether you’re qualified for the program. Women who are pregnant or people with a history of or diagnosed with any of the following conditions cannot participate:
- Liver failure
- End-stage renal disease (stage 4 or 5)
- Congestive heart failure (grade C or D)
- Organ transplant or bone marrow transplant
- Cystic fibrosis
- Malignant neoplasm diagnosis or treatment
- Any additional condition or situation that, in the opinion of the Onduo team, makes the participant inappropriate for participation in the program
What is John Hancock Vitality?
John Hancock Vitality is a wellness program available to every Aspire customer. Vitality rewards you for the everyday steps you take to live a longer, healthier life. With Vitality, healthy activities earn points and those points add up to rewards!
There are two great versions of the program to choose from — Vitality GO and Vitality PLUS — to match your interests and goals.
Vitality GO:
Available at no additional cost, Vitality GO offers:
- Savings on healthy food purchases
- Discounts on healthy gear and fitness devices
- Free subscriptions to healthy living webinars, publications and other content
- Chances to earn prizes from popular retailers like Amazon.com
Vitality PLUS:
Available for as little as $2 a month6, Vitality PLUS offers the richest package of benefits for Aspire customers. In addition to the benefits of Vitality GO, with Vitality PLUS you can:
Save up to 25% off your premium for making healthy choices2
Get the latest wearable technology to help you achieve your goals
Choose the device that works for you:
- The latest Apple Watch® for as little as $25 plus tax, earned with regular exercise5
- Complimentary Fitbit® device
Take advantage of other member benefits to help you live your best life
- Exclusive travel discounts from Expedia.com
- A one-year Amazon Prime membership when you reach Platinum status three years in a row
- Free subscription to Headspace®, a top-rated meditation app
Aspire includes a lot of technology that captures my personal data. How do I know my privacy is protected?
We believe technology is a powerful tool to empower our customers to live longer, healthier lives and we are committed to continuing to offer the latest in personal health technology as part of our innovative programs. At the same time, we are steadfast in our efforts to respect and protect our customers’ personal information and privacy. We have organizational, physical and technical safeguards in place to protect the confidentiality, integrity and availability of the data entrusted to us. We use and share your data with our partners only so far as we need to administer our programs (i.e., John Hancock Vitality and John Hancock Aspire) but will not sell your information to any third party.
The complete John Hancock Privacy Statement is available here.
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1 Aspire is not available in New York and Puerto Rico. 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. 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.
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:
• John Hancock will pay for Onduo membership if member earn at least 900 points engaging with Onduo each year. If member does not earn at least 900 points engaging with Onduo each year, they will have the option to pay for the membership. Onduo will determine the membership type and cost. Costs typically range from $250-$750 and are subject to change by Onduo.
• For permanent life insurance policies of less than $250,000 in coverage and term policies of less than $2 million in coverage:
• John Hancock will not pay for the cost of Onduo membership after year 1. Member will have the option to pay for the membership. Onduo will determine the membership type and cost. Costs typically range from $250-$750 and are subject to change by Onduo.
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 professional.
5 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 JohnHancockInsurance.com. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.
6 $2.00 Per month for single life permanent products. $4 per month for survivorship permanent policies. For Protection Term with Vitality Plus, the rider fee will be 3% of the policy’s modal premium.
Vitality GO is not available with policies issued in New York & Puerto Rico.
Aspire is offered through life insurance policies with the John Hancock Vitality Program. 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 JHAspire.com or via telephone at 888-955-5432.
In New York, entertainment, shopping, and travel rewards are not available and are replaced by healthy living and active lifestyle rewards. The Expedia.com, Heathy Mind (Headspace) and Amazon Prime benefits are not available in New York.
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.
REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion.
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.
Travel discounts are not available in New York. 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.
Insurance policies and/or associated riders and features may not be available in all states.
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.
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.
To be eligible to earn rewards and discounts by participating in the Vitality program, the insured must register for Vitality and in most instances complete the Vitality Healthy Review (VHR).
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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