Life insurance that rewards healthy living

Transcription

1 PROGRAM OVERVIEW Life insurance that rewards healthy living Vitality refers collectively to the benefits provided by John Hancock s Healthy Engagement feature. The Vitality Group is the company that John Hancock has partnered with to administer these benefits. LIFE /18 JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)

2 Get more out of your life insurance At John Hancock, we believe in helping people live longer, healthier lives. It s why we introduced John Hancock Vitality, a new kind of life insurance that protects your financial future while offering significant savings and rewards for living healthy. 1 With John Hancock Vitality, you can save as much as 15% on your annual premiums for the everyday things you do to be healthy like exercising, eating well, and getting regular health checks. You can even earn an Apple Watch Series 3 for as little as $25 plus tax or receive a complimentary Fitbit device to help track your healthy lifestyle. And the more you participate in the program, the more you can save! INSURANCE PRODUCTS: Not FDIC Insured Not Bank Guaranteed May Lose Value Not a Deposit Not Insured by Any Federal Government Agency

3 A healthy living program for everyone Whether you enjoy healthy living today or simply aspire to live a healthier life, John Hancock Vitality offers a personalized program just for you. Available on nearly all of our life insurance policies, we ll reward you for the things you re already doing to stay active and well. We ve even customized the program for older members, so you can earn the same great savings and rewards, but at a pace that makes sense. Life insurance with John Hancock Vitality offers: Financial protection no matter what life brings Up to 15% in premium savings year after year 2 The opportunity to earn an Apple Watch Series 3 by exercising regularly 3 A complimentary Fitbit device instead of Apple Watch or a discounted fitness tracker, such as a Polar or Garmin Up to $600 in savings on the healthy food you buy 4 A HealthyMind benefit 5 that rewards you for meditating as little as 10 minutes a day and for getting a good night s sleep A free 12-month subscription to Headspace, a top-rated meditation app with millions of users in more than 190 countries 6 Nutrition guidance through our partnership with the Friedman School of Nutrition Science and Policy at Tufts University Entertainment, shopping, and travel rewards I began walking regularly. In addition, I started using the member website as a reference for new health information, recipes, and guidance. ELAINE K. JOHN HANCOCK VITALITY 1

4 Little things make a big difference It s easy to achieve your healthy goals with John Hancock Vitality. That s because little things make a big difference when it comes to your overall health and wellbeing. It s as simple as taking the stairs instead of the elevator, choosing a healthy snack, or finding a few minutes to meditate each day. Over time, these small choices can lead to big changes! Best of all, it s easy to participate in the program. You ll earn Vitality Points for the everyday things you do to stay healthy. And the more points you earn, the higher your Vitality Status, and the greater your total premium savings and rewards. HOW THE PROGRAM WORKS Accumulate Vitality Points You ll earn Vitality Points for the steps you take to be healthy, like walking, going to the gym, eating well, or meditating. Earn a Vitality Status Each year, the number of Vitality Points you accumulate will determine your Vitality Status (Bronze, Silver, Gold, or Platinum). The higher your status, the greater your rewards. Get rewarded On your policy anniversary, you ll enjoy premium savings, rewards, and discounts that reflect the status level you ve achieved in the previous year. 2 JOHN HANCOCK VITALITY

5 My favorite part is watching my points add up once I have submitted or completed a task. ZENA F. OUR POLICYHOLDERS ARE MORE ACTIVE THAN EVER! 7 They take an average of 9,323 steps per day, compared to 5,000 steps for the average American. They re recommending John Hancock Vitality twice as often as people with traditional life insurance policies. They ve earned more than 200,000 rewards, valued at over $2.3 million. They re using their Apple Watches 6 out of 7 days a week. John Hancock Vitality has some of the strongest customer satisfaction and engagement rates in the industry! JOHN HANCOCK VITALITY 3

6 Everyday rewards and discounts Celebrate your healthy lifestyle with John Hancock Vitality! Along with valuable premium savings, you can earn great rewards and discounts based on your Vitality Status. If you have a John Hancock Term with Vitality policy with a face amount less than $2,000,000, you are only eligible to earn an Apple Watch Series 3 or get a complimentary Fitbit device, wearable device discount, a 10% HealthyFood discount, the HealthyMind benefit, the 12-month free subscription to Headspace, a 15% healthy gear discount, shopping and entertainment discounts, and a free health check in the first program year only. Term policies with face amounts of $2,000,000 and above are eligible for the full suite of rewards and discounts. 4 JOHN HANCOCK VITALITY

7 After registering for the program, you can order your very own Apple Watch Series 3 for as little as $25 plus tax. Over the next two years, you ll make small monthly payments based on how active you are. Earn 500 Vitality Points from Standard or Advanced workouts and you ll pay nothing for that month! Complimentary Fitbit & Wearable Device Discounts You can also get a complimentary Fitbit device instead of Apple Watch when you become a member. If you prefer a different wearable device, you can earn a 25%-40% discount on another style of Fitbit, Polar, or Garmin. Vitality HealthyFood Benefit Your healthy food choices can save you up to $600 a year (or $50 a month) at 16,000 stores nationwide, including Walmart and 70 NutriSavings grocery chains. You ll also have access to helpful nutrition tips, recipes, and the Tufts Health & Nutrition Letter. 4 HealthyMind Benefit You ll be rewarded for taking the 30-day sleep challenge and meditating as little as 10 minutes a day. Earn Vitality Points, manage stress and live healthy. You also get a free 12-month subscription to Headspace, a top-rated meditation app with millions of users in more than 190 countries. Half-Price Hotel Stays Earn half-price hotel stays at Hyatt hotels worldwide. The higher your Vitality Status, the more nights you can purchase in a given year. 8 Cruise Rewards Save 20%-50% on all Royal Caribbean International, Celebrity Cruises, Crystal Cruises, Yachts of Seabourn, and Azamara Club Cruises. 9 Free Health Check Monitor your health with a free screening and personalized report from Quest Diagnostics. Visit one of the eligible locations (subject to state approval). We ll automatically record your results, allowing you to earn even more Vitality Points. Healthy Gear Discounts Earn a 25% discount on electronic gift cards from Vitality to purchase outdoor gear. From backpacking to cycling to staying in shape, REI has the equipment you need to take your training to the next level. 10 Shopping & Entertainment You ll be rewarded for your healthy successes with gift cards, movie tickets, and other prizes. The more you accomplish, the more opportunities to earn rewards from these and other leading retailers. JOHN HANCOCK VITALITY 5

8 Let s get started See how easy it is to be rewarded for living a healthy life. Follow Bob through his first year with the John Hancock Vitality program. BRONZE Bob, 43, buys John Hancock life insurance with Vitality because he wants to protect his family and likes the idea of being rewarded for healthy living. Bob s application is approved and he receives a Welcome Kit from John Hancock. GOLD Bob completes his online Vitality Health Review and has a Vitality Age of 46. Congratulations! Bob has reached Gold Status! Bob manages stress from his job by meditating regularly using his free 12-month subscription to Headspace. Bob gets 50% off a hotel stay and takes his wife away for a surprise long weekend. 6 JOHN HANCOCK VITALITY

9 3,000 SILVER Bob s underwriting information is uploaded and he earns 3,000 points for having good biometric results. Bob orders his Apple Watch Series 3 for an initial payment of $25 plus tax. Bob starts walking more and quickly reaches a Silver Status! With the HealthyFood benefit, Bob saves $100 at the grocery store. Bob is notified by when he earns points for working out. He joins a local gym and tracks his activities with the Vitality mobile app. Bob finishes the year 10 pounds lighter and with a reduced Vitality Age of 43. By achieving Gold Status, he s also earned premium savings and rewards for the year ahead. JOHN HANCOCK VITALITY 7

10 A great partnership, for us and for you About Vitality To help in your pursuit of a longer, healthier life, John Hancock has partnered with Vitality, the global leader in integrating wellness benefits with life insurance products. Vitality has an established track record of creating interactive, personalized programs that make a real difference to people s health. Millions of Vitality members worldwide use their online tools to identify and track health and lifestyle goals and earn rewards along the way. Strength. Stability. John Hancock. John Hancock s strong ratings, as judged by the major rating agencies, are a comprehensive measure of the company s financial strength and stability. This is important because these financial ratings reflect the life insurance company s ability to pay claims in the future. With over 150 years of experience, John Hancock offers clients a diverse range of financial protection products and wealth management services through its extensive network of employees, agents, and distribution partners. 48 JOHN HANCOCK VITALITY

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12 To get started earning rewards and savings, visit 1. To participate in the John Hancock Vitality Program, you must elect the Healthy Engagement rider. For each year you are eligible to participate in the John Hancock Vitality Program, you have an opportunity to earn credits based on healthy actions you take. Every year, these activities result in Vitality Points, which are used to determine a Vitality Status, which then determines the amount of credits applied to your policy s cash value. These credits may lower your premium or improve your cash value accumulation potential. 2. Please consult your financial representative as to how premium savings may affect the policy you purchase. Paying a premium that differs from an originally illustrated planned premium could reduce the duration of your policy s Death Benefit Protection feature or impact other features of your policy. Premium savings are in comparison to the same John Hancock policy without the Vitality program. Annual premium savings will vary based upon policy type, the terms of the policy, and the level of [the insured s] participation in the John Hancock Vitality program. 3. You can order Apple Watch Series 3 (GPS) by electronically signing, at checkout, a Retail Installment Agreement with the Vitality Group, for the retail price of the watch. After an initial payment of $25 plus tax, over the next two years, monthly out of pocket payments are based on the number of workouts completed. Upgrade fees apply if you choose Apple Watch Series 3 (GPS + Cellular), certain bands and case materials. Apple Watch Series 3 (GPS) requires an iphone 5s or later with ios 11 or later. Apple Watch Series 3 (GPS + Cellular) requires an iphone 6 or later with ios 11 or later. Apple Watch Series 3 (GPS + Cellular) and iphone service provider must be the same. Cellular is not available with all service providers. Roaming is not available outside your carrier network coverage area. Wireless service plan required for cellular service. Contact your service provider for more details. Check for participating wireless carriers and eligibility. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved. 4. The HealthyFood benefit is available on qualifying purchases in the first year in the Vitality Program. In subsequent years HealthyFood savings apply to members who earn Gold or Platinum Status in the Vitality Program. 5. The meditation portion of the program is compatible with apps such as Breathe, Buddhify, Calm and Headspace. 6. Based on internal data from Headspace.com, About Us, accessed from: 7. Based on John Hancock Vitality member experience since inception in US, April John Hancock s Net Promoter Score Data, reported from Clarabridge April The Half-Price Hotel Stays benefit has a lifetime cap of 30 nights. 9. The Cruise Rewards benefit has an annual cap of 8 nights and a lifetime cap of 50 nights. 10. REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion. The life insurance policy describes coverage under the policy, exclusions and limitations, what you must do to keep your policy inforce, and what would cause your policy to be discontinued. Please contact your licensed agent or John Hancock for more information, costs, and complete details on coverage. Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of the policy. For the purposes of this guide it is assumed that you are both the policy owner and the life insured. If you are not both the policy owner and the life insured, the discounts, rewards, and Fitbit will be provided only to the life insured to encourage participation in the program. Status is attained based on the actions of the life insured only. Insurance policies and/or associated riders and features may not be available in all states. Vitality is the provider of the John Hancock Vitality Program in connection with your life insurance policy. Insurance products issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA MLI