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Living well means more than just a long life. It’s about having the health and wealth to enjoy your time with the people you love most. But achieving your physical and financial goals can seem like an overwhelming task to complete on your own. That’s where John Hancock life insurance with Vitality can help.

The John Hancock Vitality Program, included with most life insurance policies, is a science and technology-based wellness program that supports and rewards healthy habits. It focuses on the three established pillars of good health — nutrition, physical fitness, and mental well-being — and recognizes the many small decisions you make each day can have a big impact on your physical and financial well-being. Here’s how it works:

Research-Based Insights on Longevity and Health

According to the Centers for Disease Control and Prevention, our behavior directly impacts our overall health and longevity. It’s estimated that up to 2/3 of all deaths in the U.S. are substantially or primarily driven by behavioral choices, with the four top causes of death being preventable diseases: heart disease, cancer, respiratory diseases, and stroke.1

So what can be done to prevent these behavior-related conditions? Research has shown that providing incentives for healthy behaviors (for example, bypassing sugary food in favor of healthier selections), short term rewards are married with long-term goals. Adopting this approach has allowed the John Hancock Vitality Program to help customers reach their long-term goals because they are broken down into immediate, achievable steps, with rewards incentivized along the way.

Learn more about the different ways nutrition, exercise and mental well-being can have an impact on your health and wealth.

Nutrition: Maintaining Healthy Eating Habits

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There is overwhelming evidence that a nutritious diet is one of the most critical components to living a long and healthy life. However, the average American does not follow a healthy diet and that lifestyle impacts more than just their waistline; it also affects their wallet.2

According to the Bureau of Labor Statistics, the average American household spends $3,008 on restaurant meals and takeout per year, with those meals each totaling 1,205 calories and 1,300 mg of sodium3 – about half of a person’s typical daily recommendation. Meals prepped at home, on the other hand, are associated with diets lower in calories, sugar, and fat, and lower monthly expenses.4

Your eating habits can also cost you big. People in poor health tend to work less, earn less, face higher medical expenses, die earlier, and accumulate less wealth compared to those in good health, says the National Bureau of Economic Research.5 In particular, poor diet accounts for nearly 700,000 deaths each year in the United States.6

Here are some quick tips that you can help you take control of your diet today.

  • Curb sodium consumption to less than 2,000 mg. Raised blood pressure is responsible for approximately 50% of deaths from heart disease and over 60% of those from stroke.7
  • Aim to eat 10 portions of fruits and vegetables a day. Research shows that approximately 7.8 million premature deaths worldwide could be prevented if everyone ate this amount. 8
  • Choose whole grains whenever you can. Eating whole grains and fiber can prevent obesity, heart disease, diabetes, and respiratory disease. 9

Physical Fitness: Increasing Physical Activity

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Less than 25% of Americans get enough exercise, based on federal standards, yet studies confirm that inactivity plays a significant role in the development of chronic and preventable diseases, like obesity, diabetes, hypertension and depression, and premature death.10

How significant is this issue? Obesity is a leading preventable cause of death in the United States.11 In fact, recent data indicates that 69% of American adults are overweight or obese.12 In addition to major medical issues, those numbers also translate into more sick days, medical claims, and healthcare costs.13

Incorporating more physical activity into your day-to-day life can help you safeguard your overall health and wealth. Setting small achievable goals paves the way for a bigger long-term impact.

  • Get moving on a daily basis. The CDC recommends 150 minutes a week of moderate-intensity aerobic activity to lower your risk for heart disease and stroke.14
  • Break a sweat three times a week. Strong scientific research shows that physical activity can help you maintain your weight over time, which can also reduce your risk of cardiovascular disease or Type 2 diabetes. 15
  • Practice muscle strengthening exercises twice a week. Strength training protects bone health and muscle mass, and it benefits people of all ages.16

Healthy Mind: Improving Mental Well-Being

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Stressors are everywhere in daily life (work, family, friends), but for many people – 63%, in fact – worry over potential financial difficulties is the primary cause.17 And this can have a big impact on health, productivity and general quality of life.

Taking steps, like getting enough quality sleep practicing meditation and yoga, to give your mind and body the relaxation and rest they need can improve your overall health because you mental well-being is linked to your overall well-being. For instance, research shows a chronic lack of sleep, or getting poor quality sleep, increases the risk of high blood pressure, cardiovascular disease, diabetes, and depression.18

Take a look at some ways improving your mental well-being can impact all areas of your life.

  • Aim for 8 or more hours of sleep each night. A good night’s sleep can reduce the risk of heart disease and chance of accident, lower the risk of obesity, and improve diet and the immune system.19
  • Try daily meditation sessions. Studies show that incorporating just 10 minutes of meditation a day lowers stress and boosts your mood.20
  • Decompress with deep-breathing relaxation techniques like yoga. Research found that yoga may lower your blood pressure21 and cholesterol.22

About The John Hancock Vitality Program

For more than 150 years, John Hancock Insurance has provided important financial protection for the future. But we believe we can do more for our customers. That’s why we introduced the John Hancock Vitality Program, a first-of-its-kind of life insurance program that gives you the coverage you need while offering savings and rewards for living healthy.

And now, we’re taking it a step further with two great versions of the John Hancock Vitality Program – Vitality GO and Vitality PLUS – so all our customers can be rewarded and enjoy the benefits of healthy living.23

Included on most life insurance policies at NO ADDITIONAL COST, Vitality GO is a basic “be healthy” version of the program. With Vitality GO, you can get Amazon Discounts for your healthy habits, as well as discounts on fitness devices from Fitbit, Polar, or Garmin, and access to recipes and nutrition experts and resources from the Friedman School of Nutrition Science & Policy at Tufts University.

You can also choose to upgrade your Vitality program membership to Vitality PLUS, which gives you access to even more rewards, including:

  • Up to 15% in annual life insurance premium savings24
  • The opportunity to earn the latest Apple Watch® for as little as $25, plus tax,25 or get a free Fitbit® device
  • Up to $600 in annual savings on the healthy food you buy26
  • Entertainment and shopping rewards and discounts from name brands like, REI, Starbucks, and more
  • A free subscription to HeadSpace®, a top-rated meditation app27
  • Exclusive discounts of up to 50% on bookings at, which includes more than 400,000 hotels around the world28


1 Yoon, P.W., Bastian, B., Anderson, R., et al. (2014, May 2). Potentially preventable deaths from the five leadings causes of death—United States, 2008-2010. Centers for Disease Control and Prevention: Morbidity and Mortality Weekly Report. 63(17)369-389. Accessed from 
2 Urban, L.E., Weber, J.L., Heyman, M.B. et al. (2016, April). Energy contents of frequently ordered restaurant meals and comparison with human energy requirements and US Department of Agriculture database information: a multisite randomized study.  Journal of the Academy of Nutrition and Dietetics. 116(4)590-598. Retrieved from
3 Oaklander, M. (2017, April 24). Your meal has six times more salt than you think. Time. Retrieved from
4 Tiwar, A., Aggarwal, A., Tang, W. et al. Cooking at home: a strategy to comply with U.S. dietary guidelines at no extra cost. American Journal of Preventative Medicine. doi: 10.1016/j.amepre.2017.01.017
5 De Nardi, M., Pashchenko, S., and Porapakkarm, P. (2017, October). The lifetime costs of bad health. Retrieved from
6 Murray C.J., Atkinson C., Bhalla K. et al. (2013) The state of US health, 1990-2010: burden of diseases, injuries, and risk factors. JAMA 310(6):591-608.
7 Cappuccio, F. (2013, November 27). Cardiovascular and other effects of salt consumption. U.S. National Library of Medicine National Institutes of Health. Retrieved from
8 Welch, A. (2017, February 23). For a longer life, research say eat this many fruits and veggies per day. CBS News. Retrieved from
9 Retrieved from
10 Warburton, D., Nicol, C., and Bredin, S. (2006, March 14). Health benefits of physical activity: the evidence. U.S. National Library of Medicine National Institutes of Health. 174(6) 801-809. Retrieved from
11 Flegal, K.M., Graubard, B.I., Willamson, D.F. et al. Excess deaths associated with underweight, overweight, and obesity. JAMA, 294(5): 552-553. doi:10.1001/jama.293.15.1861
12 Centers for Disease Control and Prevention. FastStats: obesity and overweight. Available from
13 The Robert Wood Johnson Foundation, the American Stroke Association, and the American Heart Association. A Nation at Risk: Obesity in the United States, A Statistical Sourcebook. Dallas, TX: American Heart Association, 2005.
14,15 Centers for Disease Control and Prevention. The benefits of physical activity. CDC. Retrieved from
16 Iliades, C. (2018, July 17). 7 Ways strength training boosts your health and fitness. Everyday Health. Retrieved from
17  John Hancock Retirement Plan Services Financial Stress Survey, June 2016.
18 National Institute of Neurological Disorders and Stroke. “Brain basics: Understanding sleep.” Retrieved from
19 Incentivizing mental wellbeing for better health: The John Hancock Vitality HealthyMind Program," pp. 7-8, published June 2018 on behalf of John Hancock Insurance.
20 Mrazek MD, Franklin MS, Phillips DT, Baird B, Schooler JW. Mindfulness training improves working memory capacity and GRE performance while reducing mind wandering. Psychological Science. 2013; 24(5):776-781. doi:10.1177/0956797612459659.
21 Preidt, R. (2013, May 14). Yoga may help ease high blood pressure, study finds. WebMD. Retrieved from
22 Moll, J. (2018, April 23). Does Yoga for high cholesterol work? Very Well Health. Retrieved from
23 To participate in the John Hancock Vitality PLUS Program, you must elect the Healthy Engagement rider. For each year you are eligible to participate in the John Hancock Vitality Program, you have an opportunity to earn credits based on healthy actions you take. Every year, these activities result in Vitality Points, which are used to determine a Vitality Status, which then determines the amount of credits applied to your policy’s cash value. These credits may lower your premium or improve your cash value accumulation potential. The Vitality GO program is subject to state approval.
24 Premium savings are in comparison to the same John Hancock policy without the Vitality program. Annual premium savings will vary based upon policy type, the terms of the policy, and the level of the insured’s participation in the John Hancock Vitality program.
25 Apple Watch is not available in New York. You can order Apple Watch Series 3 (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 Apple Watch Series 3 (GPS + Cellular), certain bands and case materials. Apple Watch Series 3 (GPS) requires an iPhone 5s or later with iOS 11 or later. Apple Watch Series 3 (GPS + Cellular) requires an iPhone 6 or later with iOS 11 or later. Apple Watch Series 3 (GPS + Cellular) and iPhone service provider must be the same. Cellular is not available with all service providers. Roaming is not available outside your carrier network coverage area. Wireless service plan required for cellular service. Contact your service provider for more details. Check for participating wireless carriers and eligibility. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.
26 The HealthyFood benefit is available on qualifying purchases in the first year in the Vitality Program. In subsequent years HealthyFood savings apply to members who earn Gold or Platinum Status in the Vitality Program.
27 Based on internal data from, About Us, accessed from: This feature is not available in New York. 
28 discount are unavailable in New York.