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Life insurance that rewards healthy living

Simple Term with Vitality can help give you the assurance that your loved ones are financially protected — while also offering you a premium cash- back feature and rewards for living healthy. Whether you enjoy healthy living today or simply aspire to live healthier, the John Hancock Vitality PLUS Program offers a personalized program that can help you reach your goals. Vitality PLUS With Simple Term with Vitality, 1 you’ll be rewarded for your everyday healthy activities, like exercising, buying healthy foods, and getting a good night’s sleep. Receive up to 15% in premium cash back for making healthy choices 2 Choose the latest model of one of these wearable devices:

Apple Watch ® for as little as $25 plus tax, earned with regular exercise 3

Complimentary Amazon Halo and a free, three-year Halo membership*

Take advantage of other member perks to help you live your best life • Savings on eligible healthy foods at the grocery store • Exclusive travel discounts 6 • Retail discounts from Amazon.com, REI, Starbucks, and more • A one-year Amazon Prime membership when you reach Platinum status three years in a row • Free subscription to Headspace ® , a top-rated meditation app 5 • Free personalized tips and content from experts on how to live longer, healthier life

*Or you can choose a complimentary Fitbit ® device LIFE-9416AIN 7/22

About John Hancock John Hancock is among the highest-rated companies for financial strength and stability as demonstrated by its A+ rating from A.M. Best. 7 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 155 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. For more information on this or other life insurance products, please contact your insurance agent. About Vitality To help in your pursuit of a longer, healthier life, John Hancock is working with Vitality, the global leader in integrating wellness benefits with life insurance products.

For more information contact:

Name: ________________________________________________________________________________________________________

Email: ________________________________________________________________________________________________________

Telephone: ___________________________________________________________________________________________________

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. 1. Insurance policies and/or associated riders and features may not be available in all states. 2. Premium refunds for the Simple Term product 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. 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 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 JohnHancock.com. Apple is not a participant in or sponsor of this promotion. Apple Watch Series 7 requires iPhone 6s or later with iOS 15 or later. Apple Watch SE and Apple Watch Series 3 require iPhone 6s or later with iOS 14 or later. 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. The meditation portion of the program is compatible with apps such as Breathe, Buddhify, Calm and Headspace. 6. Travel discounts are not available in New York. Travel discounts valid for 3 bookings per program year. For term with Vitality policies with a face amount less than $2,000,000, travel discounts valid for 1 booking per program year. The amount of discount will vary based upon policy type, coverage amount, and the Vitality Member’s Vitality status (Bronze, Silver, Gold, Platinum) and will only apply to the first $1000 of the booking cost. 7. Second highest of 13 ratings (superior ability to meet ongoing insurance obligations). Financial strength rating is current as of March 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. REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion. The complimentary Amazon Halo device and three-year Halo membership are only available to new Vitality PLUS Members and are not available with policies issued in New York, Puerto Rico and Guam. At the end of the complimentary Amazon Halo health and wellness membership, charges will apply automatically to the credit card on file with Amazon.com unless the membership is opted out of. Amazon Halo allows Vitality members to earn Vitality Points for physical activity, Halo Sleep and Halo programs. The Amazon Halo health and wellness membership is required to earn Vitality Points for Halo Sleep and access the full catalog of Halo content. Other features of Halo are not eligible for Vitality Points with the Vitality Program. Amazon and all related marks are trademarks of Amazon.com, Inc. or its affiliates.

Products or services offered under the 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 JohnHancock.com or via telephone at 888-333-2659. Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of the policy. John Hancock Vitality Program rewards and discounts are only available to the person insured under the eligible life insurance policy. Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. Insurance products issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116. MLI070822584-1

Policy Form Series: ICC21 21LFTERMHE, 21LFTERMHE

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