How it works
Aspire is a life insurance solution for people living with type 1 or type 2 diabetes.
It pairs the protection of a John Hancock life insurance policy with day-to-day diabetes management support.
1. Select the product
Work with your insurance agent to choose the John Hancock life insurance product that best meets your long-trem financial goals and elect Aspire.
2. Register for Vitality
After your policy is issuesd, register for John Hancock Vitality and complete a brief health questionnaire.
3. Sign up for Onduo
For qualified members with type 2 diabetes, sign up for Onduo's diabetes management program.1
4. Get rewarded
Use the tools and resources from Onduo and Vitality to manage your diabetes and celebrate your progress.
Vitality PLUS
Vitality GO
Onduo will determine your clients’ personalized benefits based on their individual health needs. Benefits may include:
Vitality PLUS
Add to a policy for as little as $2.00 a month3
Vitality GO
A basic version of the program available at no additional cost.
For healthy HbA1c reading
For progress towards healthy HbA1c reading
Living well has never been so rewarding
It’s easy to earn Vitality Points. There are over 19,000 points available for things like:
Exercise
Eating well
Preventative care
Diabetes management
Meditation and sleeping well
Educational webinars
Vitality experience
You can earn points and get rewarded for your everyday healthy activities
After registering with John Hancock Vitality and taking the Vitality Health Review (VHR), members can begin setting their health goals and accessing the Vitality tools, resources and incentives to meet those goals. Using the Vitality app, members can capture their healthy activities to earn Vitality Points.
Vitality Points add up to Vitality Status — Bronze, Silver, Gold and Platinum. Each Vitality Status comes with corresponding rewards to celebrate a member’s success. With Aspire, rewards can include up to 25% in premium savings and discounts at top brands including Hotels.com.
State-of-the-art diabetes support
Qualified members with type 2 diabetes can access tools and resources through Onduo — a virtual diabetes management clinic
After completing their VHR, Aspire members with type 2 diabetes will be invited to register with Onduo. Qualified members can use the Onduo app to monitor trends in their blood glucose levels and impacts of daily choices including meals and activity. Monitoring blood glucose over the course of the day and over time can help members keep their diabetes in check and meet target goals.
Support is available anytime, anywhere. Members can check in with their Onduo Care Lead via the Onduo app, text or phone to get tips and advice to help make day-to-day diabetes management easier.
1. Onduo cannot accept people with the following conditions: pregnancy, liver failure, end-stage renal disease (stage 4 or 5), congestive heart failure (grade C or D), organ transplant or bone marrow transplant, cystic fibrosis, malignant neoplasm (diagnosis or treatment), and any other condition or situation that, in the opinion of the Onduo team, makes the participant inappropriate for participation in the program. John Hancock term life insurance policies with less than $500,000 in coverage are not eligible for the Onduo membership. For people with type 2 diabetes who are eligible for Onduo membership, John Hancock will pay for the membership for the first year. In year 2 and after:
For permanent life insurance policies of $250,000 or more in coverage and term policies of $2 million or more in coverage:
For permanent life insurance policies of less than $250,000 in coverage and term policies of less than $2 million in coverage:
2. Premium savings are in comparison to the same John Hancock life insurance policy without Vitality PLUS. The level of premium savings over the life of the policy will vary based upon underwriting status, issue age, policy type, the terms of the policy and the Vitality status achieved. Premium savings are only available with Vitality PLUS.
3. For John Hancock Term policies with the optional Vitality rider, the cost for Vitality PLUS is 3% of the annual premium. For survivorship policies the charge is $4.00 a month
Aspire is not available in New York, Washington, Idaho and Puerto Rico.
The tax treatment of certain aspects of the Aspire and Vitality Programs is uncertain. The value of some of the benefits you may receive in connection with these programs, such as gift cards and other cash equivalents, could be includible in your taxable income. John Hancock expects to report to the IRS only those benefits associated with these programs that it believes are taxable income, such as gift cards and other cash equivalents. Taxable benefits will be reported to the IRS by the company only if the value of such benefits received in a year is $600 or more. This material does not constitute tax or legal advice and neither John Hancock nor any of its agents, employees or registered representatives are in the business of offering such advice. You should consult your own tax advisor.
Certain aspects of Aspire may change over time. There is no coordination between Aspire and any health benefits you may receive from an insurance policy, health plan, or any other wellness programs you may be enrolled in.
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