Home
Insurance is for everyone
Life insurance that rewards healthy living Simple Term with Vitality
Tailoring your policy
There’s more to life with Vitality
Bob’s first Vitality year
Contact us
INSURANCE PRODUCTS: Not FDIC Insured
Not Bank Guaranteed
May Lose Value
Not a Deposit
Not Insured by Any Federal Government Agency
JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) LIFE-8095 2/23
Page 1 of 6 | Simple Term with Vitality
Home
Insurance is for everyone
Insurance is for everyone
You don’t have to be wealthy to need life insurance. Not only can life insurance help protect your family’s financial future in the event of your untimely death, but now it can even help you live a longer, healthier life with the John Hancock Vitality Program.
Tailoring your policy
There’s more to life with Vitality
Simple Term with Vitality 1 can help you: • Build financial security • Provide protection to your loved ones when they need it the most • Get recognized and rewarded for small, everyday steps toward a longer, healthier life
Bob’s first Vitality year
Do you own a house? Your loved ones can rely on the life insurance benefit to help pay down or pay off your mortgage so they can continue to call their house home.
Do you have children? With life insurance coverage, you can help ensure your children are provided for and can continue to have the life you’ve dreamed of for them.
Are you single, engaged, or married? In short, the proceeds of a life insurance policy can financially help any loved ones you may be supporting, settle outstanding obligations and continue to pay other expenses.
Contact us
The life insurance policy describes coverage under the policy, exclusions and limitations, what you must do to keep your policy in force, 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 in order to help you determine if the policy is suitable for your needs.
Page 2 of 6 | Simple Term with Vitality
Home
Tailoring your Simple Term with Vitality policy
Insurance is for everyone
Choice of term length and coverage Customize your policy to meet your coverage needs, selecting a 10-, 15-, 20-, 25- or 30-year term duration. Premium assurance Your premiums are guaranteed not to increase for the duration of your policy. Guaranteed coverage period The death benefit you choose is level and guaranteed not to change for the duration of your policy.
Return of Premium rider (optional)* If you purchase the Return of Premium (ROP) rider with your Simple Term with Vitality policy — available with 25- or 30-year term durations — we will pay back all or some of the monthly payments you make to keep your policy active, providing you’re still living when the policy term ends. If you are interested in obtaining the ROP benefit with your policy, please discuss the eligibility requirements with your John Hancock representative.*
Term is the most basic type of life insurance you can buy. It’s called term insurance because it offers benefits that cover a specified time period. Consider the valuable features John Hancock’s Simple Term with Vitality offers you.
Tailoring your policy
There’s more to life with Vitality
Bob’s first Vitality year
Contact us
*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.
Page 3 of 6 | Simple Term with Vitality
Home
There’s more to life with Vitality Simple Term with Vitality 1 awards you up to 15% cash back 2 on your premiums and makes it easy to earn rewards for things you do every day— whether that’s taking the dog for a walk, getting an annual check-up, or shopping for fresh fruits and veggies. Also, you can enjoy the latest Apple Watch 3 for as little as $25 plus tax with regular exercise or you can choose a complimentary fitness device to help you stay active and engaged. Other perks of the Vitality program include: • Savings on eligible healthy foods at the grocery store 4 • Exclusive travel discounts 5 • Discounts from Amazon.com, REI ® , Starbucks™, and more 6 • A one-year Amazon Prime membership* • Complimentary subscription to Headspace ® , a top-rated meditation app 7 • Complimentary personalized tips and content from experts on how to live a longer, healthier life
Insurance is for everyone
How Vitality works Earn Vitality Points: Participate in a range of healthy activities to earn Vitality Points — like walking, getting a good night’s sleep, going to the dentist or buying healthy food. Achieve a Vitality Status: Each year, the number of Vitality Points you accumulate will determine your Vitality Status (Bronze, Silver, Gold, or Platinum). Get rewarded: The more you participate, the more points you earn, the higher your Vitality Status, and the greater your rewards and discounts.
Tailoring your policy
There’s more to life with Vitality
Bob’s first Vitality year
Contact us
Page 4 of 6 | Simple Term with Vitality
* When you reach Platinum status three years in a row.
Home
Bob’s first Vitality year
Insurance is for everyone
Bob, 43, bought a Simple Term with Vitality life insurance policy to help protect his family’s future. He also likes the idea of being rewarded for healthy living.
It only takes Bob about 10 minutes to register his Vitality account and complete the Vitality Health Review online.
Bob downloads the Vitality mobile app and starts earning points for working out at his new gym.
Follow Bob’s year-long journey with Vitality and see how easy it is to get started.
Tailoring your policy
There’s more to life with Vitality
To keep track of his fitness, Bob orders the latest Apple Watch for an initial payment of just $25 plus tax.
Every time Bob walks his dog he’s earning more Vitality Points and quickly hits Silver Status!
By shopping for certain good-for-you groceries, Bob saved $100.
Bob’s first Vitality year
Contact us
Bob uses his complimentary subscription to Headspace to meditate and manage his stress
All of Bob’s efforts this year are adding up and now he’s reached Gold Status!
Bob celebrates with a great discount he earned from Expedia.com to surprise his family with a weekend away.
In Bob’s first Vitality year, he lost 10 pounds and found lots of ways to earn points for all the things he was already doing to live a healthy life. He achieved Gold Status and earned cash back and other rewards for the year ahead.
Page 5 of 6 | Simple Term with Vitality
Home
Strength. Stability. John Hancock.
Insurance is for everyone
John Hancock is among the highest-rated companies for financial strength and stability as demonstrated by its A+ rating from A.M. Best. 8 Financial strength ratings are a comprehensive measure of a company’s financial strength and stability, and are important as they reflect a life insurance company’s ability to pay claims in the future. With over 160 years of experience, John Hancock offers clients a diverse range of insurance products and services through its extensive network of employees, agents, and distribution partners.
1. Insurance policies and/or associated riders and features may not be available in all states. Simple Term is not available in New York. 2. Premium refunds for the Simple Term product are based factors like underwriting, the terms of the policy and the level of the insured’s participation in the John Hancock Vitality Program. Your John Hancock representative can provide you additional information on policy costs, coverage amounts, potential premium refund amounts and other coverage details, to help you determine if this policy is suitable for your needs. 3. 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 you become a Vitality PLUS member and complete the Vitality Health Review (VHR), you 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) 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 you choose (GPS + Cellular) versions of Apple Watch, larger watch case sizes, and certain bands and case materials. For more information, please visit JohnHancockInsurance.com. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved. 4. HealthyFood savings are based on qualifying purchases and may vary based on the terms of the John Hancock Vitality Program. The HealthyFood program is currently not available in Guam. 5. Travel discounts are valid for 1 booking per program year. The amount of discount will vary based upon the Vitality Member’s Vitality status (Bronze, Silver, Gold, Platinum) and will only apply to the first $1000 of the booking cost. 6. REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion. 7. The meditation portion of the program is compatible with apps such as Breathe, Buddhify, Calm and Headspace. 8. Second highest of 13 ratings (superior ability to meet ongoing insurance obligations). Financial strength rating is current as of December 31, 2022, is subject to change, and applies to John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York as a measure of each company’s financial ability to pay claims and to honor any guarantees provided by the contract and any applicable optional riders. These companies have also received additional financial strength ratings from other rating agencies. Financial strength ratings are not an assessment, recommendation or guarantee of specific products and their investment returns or value, do not apply to individual securities held in any portfolio or the practices of an insurance company and do not apply to the safety and performance of separate accounts. Products or services offered under the John Hancock Vitality Program are not insurance and are subject to change. There may be additional costs associated with these products or services and there are additional requirements associated with participation in the program. For more information, please contact the company at JohnHancockInsurance.com or via telephone at 888-333-2659. Vitality Rewards may vary based on the type of insurance policy purchased for the insured. 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 and rewards 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. Vitality is the provider of the John Hancock Vitality Program in connection with your life insurance policy and the Healthy Engagement rider. Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York). MLI020223137-1 Policy Form Series: ICC21 21LFTERMHE,21LFTERMHE Rider Form Series: ICC21 21TERMROPR, 21TERMROPR
Tailoring your policy
There’s more to life with Vitality
Bob’s first Vitality year
Contact us
For more information about Simple Term with Vitality:
Contact your financial representative
Call us at 888-333-2659
Page 6 of 6 | Simple Term with Vitality
Page 1 Page 2 Page 3 Page 4 Page 5 Page 6Made with FlippingBook - professional solution for displaying marketing and sales documents online