JH Simple Term with Vitailty & ROP

Vitality program unlocks valuable rewards

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Clients earn points for the healthy things they do every day: Point accrued for things like preventative health screenings, regular workouts, and healthy foods purchases

Bronze, Silver, Gold & Platinum statuses earned annually Rewards can significantly offset premium

Benefits include: • Apple Watch® for as little as $25 (plus tax) with regular exercise 1 • Premium cashback up to 15% 2 • Amazon Prime membership, REI 3 , Expedia 4 , and other valuable perks

1 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 your clients become a Vitality PLUS member and complete the Vitality Health Review (VHR), they 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 JohnHancock.com. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved. 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. 3 REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion. 4 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. Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. John Hancock Vitality Program rewards and discounts are available only to the person insured under the eligible life insurance policy, may vary based on the type of insurance policy purchased and the state where the policy was issued, are subject to change and are not guaranteed to remain the same for the life of the policy.

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