John Hancock Vitality
The first life insurance of its kind that rewards our customers for their healthy choices and motivates them to live their best lives.
John Hancock Vitality
The first life insurance of its kind that rewards our customers for their healthy choices and motivates them to live their best lives.
One-of-a-kind features
John Hancock is the only life insurance carrier offering the Vitality program in the US which offers access to early cancer screening for eligible customers1
Premium savings
Up to 25% off for taking steps to live a longer, healthier life.2
Big rewards
Exclusive rewards for prioritizing physical and mental health
John Hancock Vitality
The first life insurance of its kind that rewards your clients for their healthy
choices and motivates them to live their best lives.
Premium savings
Up to 25% off for taking steps to live a longer, healthier life.1
Big rewards
Exclusive rewards for prioritizing physical and mental health
One-of-a-kind offer
John Hancock is the only life insurance carrier offering the Vitality program in the US
What is John Hancock Vitality?
Vitality is a rewards program that can be added to any John Hancock life insurance policy. When customers take steps to live a longer, healthier life, they can save money on their life insurance - because their good health is good for our business too.
Get more information on how Vitality is changing lives
What is John Hancock Vitality?
Need a quick overview on the John Hancock Vitality Program or want a tool to help explain the program to a client? This video introduces the program and all the ways it’s helping our customers live longer, healthier, better lives.
Why John Hancock Vitality?
Why our customers love Vitality*
Aashish J.
John Hancock Vitality member
“Every morning when I go to the office I take the stairs. When I go to Walmart to get groceries I use the Vitality program to get discounts, and the discounts are higher on healthier foods, so I choose healthier foods. In a lot of different aspects, not just for me but for my family also, the Vitality program has helped a lot.”
76%
of members improved or maintained a healthy weight3
Kim L.
John Hancock Vitality member
“As a mom of two little girls, I really learned how important health is, and wanting to get points every month and accumulating those I realized eating healthily, going to the gym, taking ownership of my check-ups every year, it’s really renewed my dedication to live a healthier life, to be a better example to my two little girls.”
82%
report similar or better overall health year over year4
Jammie P.
John Hancock Vitality member
“When a program comes a long that makes it rewarding and exciting to stay on top of your regular exercise, sleeping better, meditating, staying ontop of your diet, or even making sure you get to the doctor to get checked out periodically. And you get REWARDED for it!? I can’t help but give a thumbs up to Vitality.”
92%
are highly satisfied with the relationship they have with their agent5
*Testimonial providers were compensated for providing feedback on their John Hancock Vitality Program experience.
Take a look at our frequently asked questions
1. What is the John Hancock Vitality Program?
The John Hancock Vitality Program rewards members for their everyday healthy activities, like walking the dog, going to the doctor and buying healthy food. Healthy activities earn points. Points can add up to rewards and savings! John Hancock offers two versions of the program - Vitality GO and Vitality PLUS.
2. Will the data that is collected in conjunction with the John Hancock Vitality Program affect a policyholder's underwriting risk class after the policy is issued
No. This data will be used solely to help determine a member's Vitality Status, any medical or other information which in turn impacts their level of rewards and premium savings (available with Vitality PLUS). We will never use Vitality Status, any medical or other information about the life insured provided to Vitality to change the life insured's risk classification, or as the sole basis to deny a future request to reinstate coverage.
3. Does participating (or not participating) in the program impact the cost of a policyholder's life insurance policy?
Participation in the program is not required and the level of participation in Vitality GO will not impact policy premiums. However, premiums for Vitality PLUS may vary based on the type of policy purchased, the terms of the policy and the level of participation in the John Hancock Vitality Program.
4. Can older members still benefit from the program?
Yes, a customized version of the program is available for issue ages 71 through 90 that takes into account an older member's unique health and wellness considerations. That means they'll get rewarded for the things they do to stay healthy, but at a pace that makes sense for them.
Note: The customized program will automatically apply to inforce policy owners who have other John Hancock Vitality policies once they reach age 71 or older.
Get to know us better
More about Vitality
Read about all the benefits of a John Hancock life insurance policy with Vitality. See the full suite of rewards and how our customers are living longer, healthier, better lives.
Working with us
For over 160 years, we’ve been helping our partners build their life insurance businesses and helping their clients protect what matters most.
Why John Hancock?
A+ Financial Rating
John Hancock is among the highest-rated companies for financial strength and stability as demonstrated by its A+ rating from A.M. Best.6
1The Galleri test is only available to registered John Hancock Vitality PLUS members who are 50 years of age or older and have completed the Vitality Health Review (VHR) for the current program year. For eligible polices with coverage amounts of $500,000 or greater, 100% of the cost of the test will be subsidized. For policies with less than $500,000 in coverage, 50% of the cost of the test will be subsidized. Please note: for members with multiple policies, the policy with the highest face amount 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 New York, Vermont or Guam. 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.
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 Vitality Health Check data. Based on members that had a BMI response on the Vitality Health Check in both 2022 and 2023.
4 Vitality Health Review data. Based on Vitality Health Review self-reported data from registered John Hancock Vitality PLUS members with responses in both 2022 and 2023.
5 Based on John Hancock’s Net Promoter Score data, reported from Medallia responses from 8/1/23 to 1/31/24.
6 Second highest of 13 ratings (superior ability to meet ongoing insurance obligations). Financial strength rating is current as of March 31, 2024, is subject to change, and applies to John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York as a measure of each company’s financial ability to pay claims and to honor any guarantees provided by the contract and any applicable optional riders. These companies have also received additional financial strength ratings from other rating agencies. Financial strength ratings are not an assessment, recommendation or guarantee of specific products and their investment returns or value, do not apply to individual securities held in any portfolio or the practices of an insurance company, and do not apply to the safety and performance of separate accounts.
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).
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 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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