John Hancock Vitality PLUS is enhancing its commitment to your health by offering registered members aged 50 and older access to the innovative Galleri test. This multi-cancer early detection test is available to eligible Vitality PLUS members who have completed their Vitality Health Review for the current program year. Understanding the importance of proactive health management, John Hancock Vitality is making this potentially life-saving test more accessible.
For those with eligible life insurance policies boasting coverage amounts of $500,000 or greater, John Hancock Vitality PLUS will subsidize 100% of the Galleri test cost. Members with policies providing less than $500,000 in coverage will receive a 50% subsidy towards the test. It’s important to note that for individuals holding multiple policies, the subsidy amount for the Galleri offer will be determined by the policy with the highest face amount. This valuable benefit underscores the dedication of John Hancock Vitality to supporting the long-term health and wellness of its members. Please be aware that access to the Galleri test through the John Hancock Vitality program is not currently available in New York, Vermont, or Guam, and this offer of discounted access is subject to change. The Galleri test is manufactured and distributed by GRAIL, LLC. It is crucial to understand that John Hancock does not offer medical advice, is not involved in the design or manufacture of the Galleri test, and is not responsible for its accuracy or performance.
Beyond access to advanced health screenings like the Galleri test, John Hancock Vitality PLUS provides significant financial advantages through premium savings on life insurance policies. When compared to the same John Hancock life insurance policy without Vitality PLUS, members can realize substantial premium savings over the policy’s lifetime. The actual level of premium savings is cumulative and will fluctuate depending on factors such as underwriting status, issue age, policy type, policy terms, and the Vitality Status achieved by the member. These premium savings are exclusively available with Vitality PLUS and may not apply to all insurance products.
The John Hancock Vitality program is built on a foundation of encouraging healthy habits and rewarding members for their wellness efforts. Data from the Vitality Health Check demonstrates the positive impact of the program. Based on member responses in both 2022 and 2023, those participating in the Vitality Health Check have shown improvements in key health indicators. Similarly, Vitality Health Review data, based on self-reported information from registered John Hancock Vitality PLUS members in 2022 and 2023, further reinforces the program’s effectiveness in promoting healthier lifestyles.
John Hancock’s commitment to its customers is reflected not only in its Vitality program but also in its overall service and financial strength. The company consistently receives high ratings, evidenced by its Net Promoter Score data from Medallia responses between August 1, 2023, and January 31, 2024. Furthermore, John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York hold strong financial strength ratings, indicating a superior ability to meet ongoing insurance obligations. These ratings, current as of December 31, 2024, and subject to change, are a testament to John Hancock’s reliability and stability in the insurance market. It is important to remember that financial strength ratings are not product-specific and do not apply to investment returns or the performance of separate accounts.
The Vitality program, provided by Vitality in connection with John Hancock policies, offers rewards and discounts that are available only to the insured individual under an eligible life insurance policy. These rewards and discounts are subject to change and are not guaranteed to remain constant throughout the policy’s duration. Rewards may also vary depending on the type of insurance policy and the state of issue. To become eligible for rewards and discounts through the Vitality program, insured individuals must register for Vitality and, in most cases, complete the Vitality Healthy Review (VHR).
It is essential to understand that products and services offered under the Vitality Program are not insurance products and are subject to modifications. Participation in the program may involve additional costs and requirements. For comprehensive information about the John Hancock Vitality program, including costs and complete details, please visit JohnHancock.com or contact the company directly at 888-333-2659.
Vitality PLUS benefits are associated with the Healthy Engagement rider (HER) or the Healthy Engagement Benefit rider (HEBR). The Healthy Engagement rider provides opportunities to earn premium savings by actively engaging in the Vitality Program. Alternatively, the Healthy Engagement Benefit rider, available on select products, enhances the death benefit through Vitality Program engagement but does not offer premium savings.
For complete details regarding policy coverage, exclusions, limitations, policy continuation requirements, and potential discontinuation factors, please refer to your life insurance policy document. Contact your licensed agent or John Hancock for further information, costs, and comprehensive details on coverage to determine the most suitable policy for your individual needs. Policy availability, features, and benefits may vary by state. Insurance products are issued by John Hancock Life Insurance Company (U.S.A.) in Boston, MA, and John Hancock Life Insurance Company of New York in Valhalla, NY.
