New Life Insurance Promotes Healthy Living


John Hancock is partnering with Vitality to integrate life insurance with a comprehensive healthy living program for U.S. consumers. New products offer potential for savings on annual premiums, as well as discounts and rewards from leading retailers to encourage policyholders to take small steps to improve their health. New policyholders will receive a free Fitbit® to help track their progress

Craig Bromley, President, John Hancock Financial said, “We are reinventing the consumer life insurance experience and changing the way people think about this critical component of their overall financial health. We believe this offering will make life insurance relevant for new generations of consumers and reinvigorate the entire category.”

After identifying a need for life insurance and completing the application process, new policyholders take an online Vitality Health Review to determine their Vitality Age, an indicator of overall health that may be higher or lower than their actual age, which can improve over time as they work toward living a healthier life. Vitality has concluded that, on average, most Americans are five years older than their actual age, based on various health and wellness factors.

Policyholders get personalized health goals. They can easily log their activities using online and automated tools, which are integrated with personal health technology.

Policyholders immediately begin accumulating “Vitality Points” after their policy is issued and when they complete health-related activities like exercising, getting an annual health screening or even a flu shot. The number of Vitality Points a policyholder earns over the course of a year determines their program status level. The healthier their lifestyle, the more points they can accumulate to earn valuable travel, shopping and entertainment-related rewards and discounts from leading retailers. Additionally, depending on the type of product they purchase, a policyholder could save as much as 15% off their annual premium.

As part of the new offering, John Hancock unveiled two new products: Protection UL with Vitality, a universal life insurance product, and John Hancock Term with Vitality, a term life insurance product. They are the first life insurance products in the U.S. linked with Vitality healthy living programs and are built on Vitality’s innovative shared-value model. For more information, visit


About Vitality
The Vitality Group is a member of Discovery Ltd., a global financial service organization offering an incentive-based wellness program to employers as part of their benefits program. With a foundation based on actuarial science and behavioral economic theory, Vitality encourages changes in lifestyle that reduce health care costs, both in the short run and long term, by rewarding members for addressing their specific health issues. Vitality wellness programs serve companies in a wide range of sizes and industries, improving individuals’ health and wellbeing as well as employers’ bottom lines.

Vitality brings a global perspective through successful partnerships with large employers and best-in- class insurers around the world, in countries including the United States, United Kingdom, South Africa, China and more recently Singapore and Australia. Additional information can be found at

The Vitality Institute, “Vitality Age Analysis of Adult National Health and Nutrition Examination Survey Respondents across Three Survey Time Periods,” May 17, 2013

Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.

Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock.

Insurance policies and/or associated riders and features may not be available in all states. The John Hancock Vitality Program is available with select John Hancock policies. Please consult your financial representative as to product availability.

Premium Savings will apply based on the Status attained by the life insured. Please consult your financial representative as to how premium savings may affect the policy you purchase.

John Hancock Vitality Program rewards and discounts are only available to the person insured under the eligible life insurance policy.

Rewards may vary based on the type of insurance policy purchased for the insured (Vitality Program Member), the ownership and inforce status of the insurance policy, and the state where the insurance policy was issued.


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