John Hancock Financial is dedicated to offering innovative solutions that go beyond traditional life insurance. In connection with policies issued by John Hancock, the Vitality Program stands out as a unique initiative, rewarding policyholders for healthy living. This program offers a range of benefits and discounts designed to encourage wellness and provide tangible value to those insured. However, it’s important to note that rewards and discounts can vary based on the specific type of insurance policy and the state where it was issued, and are subject to change.
What is the John Hancock Vitality Program?
The John Hancock Vitality Program is designed to reward you for taking steps to live a healthier life. By participating in various health-related activities, you can earn points that translate into valuable rewards and discounts. These incentives are exclusively available to individuals insured under eligible John Hancock life insurance policies. The specifics of the rewards are dependent on your policy type and location, highlighting the personalized nature of the program. Keep in mind that the program’s offerings are not guaranteed to remain constant throughout the life of your policy, ensuring it remains dynamic and responsive to evolving health and wellness trends.
Exclusive Galleri Test Access for Vitality PLUS Members
For John Hancock Vitality PLUS members aged 40 and over who have completed their Vitality Health Review (VHR) for the current program year, an exclusive opportunity awaits: access to the Galleri test. This innovative blood test can detect signals shared by many different types of cancer through a single blood draw.
The subsidy for the Galleri test varies based on your life insurance coverage amount. For eligible policies with a face amount of $500,000 or greater, John Hancock Financial will subsidize 100% of the test cost. For policies with face amounts less than $500,000, a 50% subsidy is provided. Eligibility for the test is also determined by Grail’s clinically informed criteria, with additional cancer risk factors considered for those aged 40-49. It’s important to be aware that for individuals with multiple policies, the policy with the highest face amount will determine the subsidy level. Access to the Galleri test through the John Hancock Vitality Program is not available in all states and is subject to change. The Galleri test itself is manufactured and distributed by GRAIL, LLC, and John Hancock Financial does not provide medical advice or assume responsibility for the test’s accuracy or performance.
Supporting Veterans Through Vitality
John Hancock Financial demonstrates its commitment to community and health beyond its policyholders. Beginning 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. These sponsored tests will be directly donated to Home Base, a program dedicated to helping Veterans and their families heal from invisible wounds. This initiative highlights John Hancock’s broader mission to promote health and well-being, extending its impact to support those who have served.
Important Policy and Program Details
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. Vitality PLUS benefits are linked to the Healthy Engagement rider (HER) or the Healthy Engagement Benefit rider (HEBR). The Healthy Engagement rider offers potential premium savings through Vitality Program engagement, while the Healthy Engagement Benefit rider enhances the death benefit without premium savings and is available on select products.
It’s crucial to understand that products and services under the Vitality Program are not insurance themselves and are subject to modifications. Participation in the program may involve additional costs and requirements. For comprehensive details about the John Hancock Vitality Program and its offerings, please visit JohnHancock.com or contact them directly at 888-333-2659.
This information is for informational purposes only and should not be considered medical advice.
MLINY022625997-3
