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Broaden your reach Simple Term with Vitality is a great fit for:
Clients seeking mortgage protection
1. Policy issuance is not guaranteed as any life insurance purchase is subject to completion of an application and underwriting approval. John Hancock may conduct a post-issue quality review to verify information received within the application is accurate. A contract may be rescinded if post-issue information reveals a material misrepresentation. 2. The Return of Premium (ROP) rider allows for a return of a portion of the premiums at the end of the level term period or earlier if the policy is terminated prior to that point. The ROP benefit will begin as early as the second policy anniversary and the percentage of premiums available to be returned increases gradually over the term duration to a maximum of 100% at the end of the level term period. The ROP Rider is only available for term durations 25 and 30 and only for Standard or Preferred Non-Tobacco risk classes. There is an additional cost for this rider. 3. Premium refunds for Simple Term with Vitality are based on factors like underwriting, the terms of the policy, and the level of the insured’s participation in the John Hancock Vitality Program. 4. Based upon a rolling 12-month placement ratio of JH new business data of formal applications with Vitality PLUS as compared to cases without Vitality PLUS from Oct 2021 – Sep 2022. Excludes International and DTC. 51.38% placement rate for non-vitality vs. 77.39% placement rate for vitality. 5. Year 1 status attainment of Silver, Gold, or Platinum for active and registered Vitality PLUS members as of year-end 2022. (Perm Plus, Term Plus, excludes DTC). For agent use only. This material may not be used with the public. 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 policies issued by John Hancock. The Return of Premium (ROP) rider allows for a return of a portion of the premiums at the end of the level term period or earlier if the policy is terminated prior to that point. The ROP benefit will begin as early as the second policy anniversary and the percentage of premiums available to be returned increases gradually over the term duration to a maximum of 100% at the end of the level term period. The ROP Rider is only available for term durations 25 and 30 and only for Standard or Preferred non-tobacco risk classes. There is an additional cost for this rider. John Hancock Vitality Program rewards and discounts are only available to the person insured under the eligible life insurance policy. Apple Watch program is not available in New York or Puerto Rico. Apple Watches ordered through John Hancock Vitality may not be shipped to addresses in Guam. Once your clients become a Vitality PLUS member and complete the Vitality Health Review (VHR), they can order Apple Watch 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 Standard Workouts (10,000 to 14,999 steps) and Advanced Workouts (15,000 steps) completed or the applicable Active Calorie or heart rate thresholds. The step counts required for Standard and Advanced Workouts are reduced for members beginning at age 71+. One- time upgrade fees plus taxes apply if your customers choose (GPS + Cellular) versions of Apple Watch, larger watch case sizes, and certain bands and case materials. For more information, please visit www. jhsaleshub.com. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved. Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of the policy. Insurance products issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116. MLI051823842-1
People living with conditions such as diabetes, build challenges, hepatitis, Crohn’s disease, ulcerative colitis, etc
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