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.

 

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.

Getting started with John Hancock Aspire

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.

Benefits available to people with diabetes

Type 1 Diabetes Type 2 Diabetes
Up to 25% lower premiums2With Vitality PLUS

Vitality PLUS

  • Opportunity to earn up to 25% in premium savings

Vitality GO

  • Premium savings not available with Vitality GO
OnduoState-of-the-art diabetes management support

Onduo will determine your clients’ personalized benefits based on their individual health needs. Benefits may include:

  • Access to coaches and experts
  • Blood glucose monitor with test strips
  • Personal health summaries
  • Some Onduo members may qualify for a continuous glucose monitor
John Hancock VitalityIncludes Vitality GO and Vitality PLUS

Vitality PLUS

Add to a policy for as little as $2.00 a month3

  • Earn Apple Watch for as little as $25/month with regular exercise
  • Exclusive discounts at Hotels.com 
  • A one-year Amazon Prime membership 
  • Up to $600 in annual savings on healthy food purchases

Vitality GO

A basic version of the program available at no additional cost.

  • Amazon & REI discounts
  • 20-40% off wearable fitness devices
  • Free healthy living publications

 

John Hancock Vitality: Enhanced point structureUp to 3,000 points for day-to-day diabetes management

For healthy HbA1c reading

  • Up to 3,000 Vitality Points

For progress towards healthy HbA1c reading

  • Up to 1,500 Vitality Points
Customized content and educationMagazines, webinars and more to support the diabetes journey

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

The points can add up quickly

Vitality Points add up to Vitality Status (Bronze, Silver, Gold or Platinum). The higher the status, the greater your clients’ potential for rewards.

The points can add up quickly

Vitality Points add up to Vitality Status (Bronze, Silver, Gold or Platinum). The higher the status, the greater your clients’ potential for rewards.

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.

Enrolled in Aspire?

Financial professional?

 

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:

  • John Hancock will pay for Onduo membership if member earns at least 900 points  engaging with Onduo each year
  • If member does not earn at least 900 points engaging with Onduo each year, they will have the option to pay for the membership. Onduo will determine the membership type and cost. Costs typically range from $250-$750 and are subject to change by Onduo.

For permanent life insurance policies of less than $250,000 in coverage and term policies of less than $2 million in coverage:

  • John Hancock will not pay for the cost of Onduo membership after year 1
  • Member will have the option to pay for the membership. Onduo will determine the membership type and cost. Costs typically range from $250- $750 and are subject to change by Onduo.

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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