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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
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*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.
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