JH Simple Term with Vitailty & ROP

See how savings can add up Vitality benefits can significantly offset premium price

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Assumptions: Male, 30, 25-year term with ROP, $250K coverage, premium $167/mo, Vitality tier: Platinum In one year, Mateo earned $302 in premium cash back as well as rewards and discounts through healthy living

Mateo’s cash back, rewards & discounts

He saves:

15% premium cash back (for earning platinum status) 1

$302

Earned Apple Watch® 2 with exercise

$186

Bought nutritious groceries throughout the year 3

$200

Received 25% off at Expedia.com for earning platinum status 4

$180

Chose Amazon gift card via Vitality app (other option: Starbucks)

$5

Producer guide case study details

Annual cost of policy

$2,008

Total potential savings from policy in this case

$873

1 The amount of Vitality PLUS premium refund is based on several factors, including underwriting assessment, the terms of the policy and the level of the insured's participation in the John Hancock Vitality Program. 2 After an initiation fee, the balance of the cost of Apple Watch Series 9 is spread out over 24 months. Stated savings for Apple Watch Series 8 is based on a $15.50 monthly rate, paying $0 per month, which is a $186 savings in year one with potential for an additional $186 savings in year two. 3 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. 4 Based on a two-night stay booked on Expedia.com at Crowne Plaza Key West-La Concha, Key West, FL, (August 2022), room rate $359 per night, excluding applicable taxes.

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