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
Made with FlippingBook - professional solution for displaying marketing and sales documents online