John Hancock Insurance Company stands as a well-respected provider in the insurance sector, notably recognized for its innovative Vitality Program. This program is designed to reward policyholders for engaging in healthy habits, offering tangible benefits that go beyond traditional insurance coverage. The John Hancock Vitality Program is intrinsically linked to select John Hancock life insurance policies, creating a unique value proposition for its customers.
The rewards and discounts associated with the Vitality Program are exclusively for the insured individuals under eligible life insurance policies. It’s important to note that these benefits can fluctuate depending on the specific type of insurance policy purchased and the state in which the policy was issued. Furthermore, these rewards and discounts are not guaranteed to remain constant throughout the entire duration of the policy, meaning they are subject to modifications over time.
One of the compelling offerings within the John Hancock Vitality PLUS program is access to the Galleri test. This advanced cancer detection test is available to registered Vitality PLUS members who are 40 years of age or older and have completed their Vitality Health Review within the current program year. The extent to which the Galleri test is subsidized depends on the face amount of the eligible life insurance coverage. For policies with a face amount of $500,000 or greater, John Hancock covers 100% of the Galleri test cost. For policies with coverage amounts less than $500,000, a 50% subsidy is provided.
Eligibility for the Galleri test is also guided by clinically informed criteria set by GRAIL, the test manufacturer, along with considering additional cancer risk factors, particularly for those aged 40-49. For individuals holding multiple policies, the subsidy level for the Galleri test is determined by the policy with the highest face amount of life insurance coverage. It’s also crucial to understand that the availability and terms of discounted access to the Galleri test through the John Hancock Vitality Program are subject to change and may not be accessible in all states currently. GRAIL, LLC is the manufacturer and distributor of the Galleri test. It’s important to emphasize that John Hancock Insurance Company does not offer medical advice, is not involved in the test’s design or manufacturing, and assumes no responsibility for the Galleri test’s accuracy or performance.
In a noteworthy initiative, starting from Veteran’s Day 2024 and continuing until at least July 4, 2025, John Hancock is committed to giving back. For every four new Vitality registrations, the company will sponsor one Galleri test to be donated directly to Home Base, a program dedicated to helping veterans and their families.
Insurance products are issued by John Hancock Life Insurance Company (U.S.A.) in Boston, MA, and in New York by John Hancock Life Insurance Company of New York in Valhalla, NY. It’s important to note that John Hancock Life Insurance Company (U.S.A.) is not licensed in New York.
The term Vitality PLUS refers to benefits offered under the Healthy Engagement rider (HER) or the Healthy Engagement Benefit rider (HEBR). The Healthy Engagement rider provides an opportunity to lower premium costs by actively participating in the Vitality Program. Conversely, the Healthy Engagement Benefit rider enhances the death benefit through Vitality Program engagement, without offering premium savings, and is available on select products only.
It is essential to remember that products and services provided under the Vitality Program are not insurance products themselves and are subject to change. Participation in the program may involve additional costs and requirements. For further details, individuals are encouraged to visit JohnHancock.com or contact the company directly at 888-333-2659.
