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An Innovative Solution for People with Diabetes

Living with diabetes can mean added challenges – but getting insurance doesn’t have to be one of them. Learn how we’re making life insurance possible for people with diabetes. 

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Article Summary Type 1 Image

Where are you in your life?

Getting Married

When "me" becomes "we," it's time to think about life insurance.

Buying a Home

Closing on a home opens new financial responsibilities. See how life insurance can help.

Growing Your Family

When "we" becomes three (or four or five), your priorities change. Protect their financial future with life insurance.

Planning for Retirement

Let your life insurance work for you, so you can focus on having fun.

1 National Funeral Directors Association General Price List Survey, 2016.

* Represents inforce John Hancock life insurance and long-term care policyholders as of June 2018.

** Payments made in 2017 for life insurance and long-term care claims.

*** Second highest of 13 ratings (superior ability to meet ongoing insurance obligations). Financial strength rating is current as of June 30, 2018 and 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. The rating is not an assessment or recommendation of specific products, policy provisions, premium rates, performance of the products, the value of any investment in these products upon withdrawal, individual securities held in any portfolio, or to the practices of the insurance company. Financial strength rating does not apply to the safety and performance of separate accounts.

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John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02117 (Long-term care insurance).

The John Hancock Vitality Program is available with select John Hancock policies. Please consult your financial representative as to product availability, additional information, costs, and complete details on coverage. Product availability, features, benefits and costs may vary by state. 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.

Vitality is the provider of the John Hancock Vitality Program in connection with life insurance policies issued by John Hancock.

Premium savings are in comparison to the same John Hancock policy without the Vitality program. Premium savings over the life of the policy will vary based upon policy type, the terms of the policy, and the level of participation in the John Hancock Vitality program.

Vitality Rewards may vary based on the type of insurance policy purchased for the insured (Vitality Program Member) and the state where the insurance policy was issued. John Hancock Vitality Program rewards and discounts are only available to the person insured under the eligible life insurance policy. Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of the policy.

REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion.

Amazon Prime Membership available to Vitality PLUS members who have reached Platinum Status for three consecutive program years.

For Amazon.com Gift Cards, restrictions apply, see Amazon.com/GC-legal.

The HealthyMind (Headspace) and Hotels.com benefits are not available in New York.

In New York, entertainment, shopping, and travel rewards are not available and are replaced by healthy living and active lifestyle rewards.

Accessing a policy’s potential cash value via loans and withdrawals will reduce the death benefit and the cash surrender value, and may cause the policy to lapse. Lapse or surrender of a policy with a loan may cause the recognition of taxable income. Withdrawals in excess of the cost basis (premiums paid) will be subject to tax and certain withdrawals within the first 15 years may be subject to recapture tax. Additionally, policies classified as modified endowment contracts may be subject to tax when a loan or withdrawal is made. A federal tax penalty of 10% may also apply if the loan or withdrawal is taken prior to age 59 1/2.

Apple Watch program is not available in New York. You can order Apple Watch Series 3 (GPS) or Series 4 (GPS) 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 workouts completed. Upgrade fees apply if you choose (GPS + Cellular) versions of Apple Watch Series 3 or Series 4, larger watch case sizes, certain bands and case materials. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.

HealthyFood savings are based on qualifying purchases and may vary based on the terms of the John Hancock Vitality program. 

© 2018 John Hancock Life Insurance Company (USA).