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 issued, 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
Vitality PLUS
- Opportunity to earn up to 25% in premium savings
Vitality GO
- Premium savings not available with Vitality GO
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
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
For healthy HbA1c reading
- Up to 3,000 Vitality Points
For progress towards healthy HbA1c reading
- Up to 1,500 Vitality Points
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.
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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John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02216 (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 02116 (Long-term care insurance). Vitality is the provider of the John Hancock Vitality Program in connection with Life insurance policies issued by John Hancock.
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.
Apple Watch program is not available in New York or Puerto Rico. Apple Watches ordered through John Hancock Vitality may not be shipped to addresses in Guam. Once you become a Vitality PLUS member and complete the Vitality Health Review (VHR), you can order Apple Watch 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 Standard Workouts (10,000 to 14,999 steps) and Advanced Workouts (15,000 steps) or the applicable Active Calorie thresholds. The step counts required for Standard and Advanced Workouts are reduced for members beginning at age 71+. One-time upgrade fees plus taxes apply if you choose (GPS + Cellular) versions of Apple Watch, larger watch case sizes, certain bands and case materials. For more information, please contact a John Hancock representative. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.
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.
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 PLUS program.
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.
The HealthyMind (Headspace), Hotels.com and Amazon Prime 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.
REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion.
For Amazon.com Gift Cards, restrictions apply, see Amazon.com/GC-legal.
Amazon Prime membership available to Vitality PLUS members who have reached Platinum Status for three consecutive program years.
You must redeem your Amazon Prime Membership Code and agree to the Amazon Prime Terms and Conditions to qualify for Amazon Prime membership. Your Amazon Prime membership automatically renews for the membership fee in effect at the time of renewal plus applicable taxes. You may cancel at any time by visiting Your Account and adjusting your membership settings. Valid credit card required at time of registration if Amann does not have one on file. Amazon Prime Membership Codes cannot be transferred or resold. For more information about Amazon Prime, visit amazon.com/prime. Amazon.com is not a sponsor of this promotion. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates.
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.
© 2020 John Hancock Life Insurance Company (USA).