John Hancock Life Insurance is committed to not only providing financial security but also empowering its policyholders to live longer, healthier lives through the innovative John Hancock Vitality Program. This unique program offers rewards and discounts to those insured under eligible life insurance policies, encouraging a proactive approach to health and wellness. It’s important to note that these rewards and discounts can vary based on the specific policy type, the state of issue, and are subject to change, ensuring they remain relevant and valuable.
A standout feature within the Vitality Program is the opportunity to access the Galleri test, a revolutionary multi-cancer early detection test. This offer is currently available to registered John Hancock Vitality PLUS members aged 40 or older who have completed their Vitality Health Review for the current program year. The subsidy for the Galleri test is generous: for policies with a life insurance coverage face amount of $500,000 or greater, John Hancock subsidizes 100% of the test cost. For policies with face amounts less than $500,000, the subsidy covers 50% of the cost. Eligibility for the test is also guided by Grail’s clinically informed criteria and additional cancer risk factors, particularly for those aged 40-49. For members holding multiple policies, the policy with the highest face amount determines the subsidy level. It’s also important to be aware that access to the Galleri test through the John Hancock Vitality Program is not available in all states and the offer is subject to change. The Galleri test itself is manufactured and distributed by GRAIL, LLC, and it’s crucial to remember that John Hancock does not provide medical advice, is not involved in the test’s design or manufacture, and is not responsible for its accuracy or performance.
Furthering their commitment to community and well-being, John Hancock Life Insurance has initiated a special program starting on Veteran’s Day 2024 and continuing through at least July 4, 2025. For every four new Vitality registrations, John Hancock will sponsor a Galleri test, which will be directly donated to Home Base, a program dedicated to helping veterans and their families.
John Hancock Life Insurance products are issued by John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York. The Vitality PLUS benefits are linked to the Healthy Engagement rider (HER) or the Healthy Engagement Benefit rider (HEBR). The Healthy Engagement rider allows policyholders to earn premium savings by actively participating in the Vitality Program. Alternatively, the Healthy Engagement Benefit rider, available on select products, enhances the death benefit based on engagement in the Vitality Program, instead of offering premium savings.
It is important to understand that the products and services offered under the Vitality Program are not insurance themselves and are subject to modifications. Participation in the program may involve additional costs and specific requirements. For those seeking more detailed information about John Hancock Life Insurance and the Vitality Program, please visit JohnHancock.com or contact them directly at 888-333-2659.
