¹Beginning Veteran's Day 2024 and running through at least July 4, 2025, for every four new Vitality registrations, John Hancock will sponsor one Galleri test which will be donated directly to Home Base.

 ²American Cancer Society: www.cancer.org/cancer/veterans.html

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 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. Galleri is a blood test from Grail designed to screen for cancer. The Galleri test does not detect all cancers nor does it diagnose cancer. There may be additional costs for such diagnostic testing. It is intended to be used in addition to, and not replace, other cancer screening tests recommended by a healthcare provider. The sensitivity rate for detecting cancer in the early stages is lower than for later stages. Results should be discussed with a healthcare provider. Test eligibility is subject to certain qualification requirements, including age and certain health risk factors. There is no coordination between John Hancock and any health benefits you may receive from an insurance policy, health plan, or any other wellness programs you may be enrolled in. Galleri is not a test to confirm or rule out genetic or other conditions that may indicate a predisposition to cancer.

Like other medical tests you elect, a decision to take the Galleri test, and the results of the test, may need to be disclosed in an application for insurance coverage, and so could affect your access to future insurance coverage and the price of such coverage. John Hancock does not receive individual test results from GRAIL, nor does it know which customers have requested or taken the test. Your results will have no impact on your current life insurance coverage. For purposes of research, validation of assumptions and evaluation of future health and wellness offerings, John Hancock may receive aggregated and deidentified data from GRAIL from time to time.

The tax treatment of the Galleri test offered in connection with the Vitality Program is uncertain.  At this time, John Hancock does not expect that it will be required to report the value of the Galleri test to the IRS as income to the insured.  This material does not constitute tax or legal advice and neither John Hancock nor any of its agents, employees or registered representatives are in the business of offering such advice.  You should consult your own tax professional.

Access to the Galleri test through the John Hancock Vitality Program is not currently available in all states. The offer of discounted access to the Galleri test is subject to change. John Hancock is not an affiliate of GRAIL. The Galleri test is manufactured and distributed by GRAIL. 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.

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. 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.

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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