John Hancock Vitality offers a unique approach to life insurance, one that rewards you for living a healthier life. By integrating wellness into your policy, Vitality encourages you to engage in healthy activities, offering significant premium savings and exciting rewards. Let’s delve into how John Hancock Vitality can benefit you.
Significant Premium Savings with Vitality PLUS
One of the most compelling aspects of John Hancock Vitality is the potential for substantial premium savings. When you opt for Vitality PLUS, you unlock access to premium reductions compared to the same John Hancock life insurance policy without Vitality PLUS. These savings are cumulative over the policy’s lifetime, though they fluctuate based on factors such as your underwriting status, age at policy issue, policy type, policy terms, and the Vitality Status you achieve. It’s important to note that these premium savings are exclusively available with Vitality PLUS.
For single life permanent products, Vitality PLUS provides these premium saving opportunities. For Vitality Term and Simple Term with Vitality policies, the cost of Vitality PLUS is already incorporated into the policy’s overall cost. For permanent survivorship products, a rider is available for a nominal cost.
Get Rewarded with an Apple Watch
The John Hancock Vitality program extends its health-focused rewards to include access to an Apple Watch. As a Vitality PLUS member, upon completing your Vitality Health Review (VHR), you become eligible to order an Apple Watch. This is facilitated through a Retail Installment Agreement with the Vitality Group.
After an initial payment, your subsequent monthly payments are determined by your workout achievements. Standard Workouts (10,000 to 14,999 steps) and Advanced Workouts (15,000 steps or more, or equivalent active calorie or heart rate thresholds) contribute to reducing your monthly payments. It’s worth noting that step count requirements are adjusted for members aged 71 and above. Upgrade options for GPS + Cellular versions, larger watch sizes, and specific bands or case materials are available, potentially incurring one-time upgrade fees and taxes.
Proactive Health with the Galleri Cancer Test
John Hancock Vitality PLUS goes beyond activity tracking, offering access to innovative health tools like the Galleri test. This multi-cancer early detection test is available to registered 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 depends on your life insurance coverage amount. For policies with a face amount of $500,000 or greater, 100% of the test cost is subsidized. For policies with coverage less than $500,000, a 50% subsidy is provided. Eligibility for the test is also subject to Grail’s clinical criteria and additional cancer risk factors for those aged 40-49. It’s important to understand that the subsidy amount is determined by the policy with the highest face amount if you hold multiple policies. Access to the Galleri test through John Hancock Vitality is not available in all states and is subject to change.
It is crucial to remember that the Galleri test is not a comprehensive cancer screening tool. It does not detect all cancers, and not all cancers are detectable in the blood. False positive and false negative results are possible. The Galleri test should be used as an addition to, and not a replacement for, recommended cancer screenings from your healthcare provider. John Hancock is not involved in the medical aspects of the Galleri test and does not provide medical advice.
HealthyFood Savings to Fuel Your Wellness
John Hancock Vitality encourages healthy eating habits by offering HealthyFood savings. By making qualifying purchases, you can benefit from savings that vary based on the specific terms of the John Hancock Vitality Program. This program is designed to make healthier food choices more accessible and affordable, further supporting your wellness journey.
Exclusive Discounts on Travel and More
The rewards of John Hancock Vitality extend beyond health and wellness, encompassing lifestyle benefits. Members can access travel discounts, adding value to their leisure and vacation plans. Depending on your coverage and policy type, Expedia discounts are available for multiple bookings per program year. The discount amount varies based on policy type, coverage amount, and your Vitality status level (Bronze, Silver, Gold, Platinum), applying to a portion of the booking cost.
Furthermore, John Hancock Vitality provides access to other lifestyle rewards, which may vary by location. While some entertainment, shopping, and travel rewards may have geographical limitations, healthy living and active lifestyle rewards are consistently available. Similarly, Amazon.com discounts and the Amazon Prime benefit may also have location-based restrictions.
Support Your Mental Wellbeing with HealthyMind
Recognizing the importance of mental health, John Hancock Vitality includes the HealthyMind benefit. This program supports your mental wellbeing, offering resources and tools to promote a healthy mind. You may also utilize compatible free meditation apps within the HealthyMind program, providing accessible mental wellness support.
Important Program Details and Availability
To fully benefit from John Hancock Vitality’s rewards and discounts, insured individuals must register for the Vitality program and, in most cases, complete the Vitality Healthy Review (VHR). It’s important to be aware that program offerings, rewards, and discounts are subject to change and may vary based on the type of insurance policy, and the state where the policy was issued. The John Hancock Vitality Program is provided by Vitality in connection with John Hancock policies.
For comprehensive information about policy coverage, exclusions, limitations, and program details, it’s recommended to contact your licensed agent or John Hancock directly. They can provide detailed costs and complete coverage information to help you determine the most suitable policy for your individual needs. Policy and benefit availability may vary by state.
John Hancock Vitality offers a compelling way to integrate wellness with life insurance, providing tangible rewards and encouraging a healthier lifestyle. By taking advantage of the program, you can potentially save on premiums, access valuable health tools, and enjoy lifestyle discounts, all while prioritizing your wellbeing.
