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Congratulations on purchasing Simple Term with Vitality!

We are here to help. Take advantage of these resources to have your questions answered and get the most from your new Simple Term with Vitality life insurance policy.

Questions about your policy? Call John Hancock customer service for answers to policy questions on a wide range of topics, including premium payments, beneficiary changes and billing/ bank updates. • In all states but CA & FL, call 888-333-2659 • In CA & FL, call 844-237-9388 • Select the “Policy information” prompt Questions about the John Hancock Vitality program? Call John Hancock Vitality Member Support at 888-333-2659, (Vitality, points or fitness device) or email support@jhvitality.com regarding questions on: • Ordering and linking fitness devices • Registering for Vitality Healthy Food TM benefit • Discounts on Expedia ® bookings

Registering for the John Hancock Vitality program Go to JohnHancockVitality.com to register for Vitality and gain access to all the benefits of the program. Obtaining the John Hancock Vitality app Make it easy to monitor your wellness journey by downloading the “John Hancock Vitality” app at the Apple Store or Google Play.

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Life insurance that rewards healthy living With Simple Term with Vitality, you'll be rewarded for the everyday things you do to be healthy, like walking, exercising, buying healthy food and meditating. Along with up to 15% cash back 1 on the premiums you pay, you can also enjoy: • The latest Apple Watch ® for as little as $25 plus tax, earned with regular exercise 2 • * Or you can choose a complimentary Fitbit ® device , plus discounts on other wearable devices and healthy gear • A one-year Amazon Prime membership when you reach Platinum status three years in a row • Up to $600 in annual savings on fresh fruits and vegetables, with additional savings up to $120 a month on Healthy Savings weekly promoted items 3 • Exclusive discounts at 1.8M properties and 1M vacation rentals worldwide with Expedia • 12-month subscription to Headspace ® , a top-rated meditation app 4 • Entertainment and shopping discounts from name brands like Amazon.com, REI, Starbucks and more • An easy-to-use app and website with health-related resources, including the Tufts Health & Nutrition Letter, Live More magazine, webinars and financial-fitness tips

1. Premium refunds for the Simple Term product are determined by the level of the insured’s participation in the John Hancock Vitality Program. Additional details on policy costs, coverage amounts, potential premium refund amounts and other coverage details can be found in your policy documents. 2. 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, certain bands and case materials. For more information, please visit www.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. 3. HealthyFood savings are based on qualifying purchases and may vary based on the terms of the John Hancock Vitality Program. 4. The meditation portion of the program is compatible with apps such as Breathe, Buddhify, Calm and Headspace. 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. 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. Insurance policies and/or associated riders and features may not be available in all states. REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion.

For Amazon.com Gift Cards, restrictions apply, see Amazon.com/GC-legal. Simple Term is not available in New York. 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 your life insurance policy. Insurance products issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116.

Policy Form Series: ICC21 21LFTERMHE, 21LFTERMHE

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