How It Works

Life insurance with the John Hancock Vitality Program rewards the every day steps you take to stay healthy and inspires you to do even more.

It’s easy to participate:

Step 1. Accumulate Vitality Points: Members earn Vitality points by completing simple everyday activities to stay healthy - like going to the gym, getting annual health screenings, staying tobacco-free, and more.

Step 2. Earn a Vitality Status: Each year, you’ll earn a Vitality Status – Bronze, Silver, Gold, or Platinum - based on the number of Vitality Points you accumulate.

Step 3. Enjoy Savings and Rewards: The higher your Vitality Status the more you can save on premiums and the greater your rewards and discounts.

Plus, as a John Hancock Vitality member, you can earn Apple Watch Series 3 for as little as $25 plus tax by simply exercising regularly.1 Or, you can choose a complimentary Fitbit to help you track your progress toward a healthy life.

Learn more about the program and explore stories, tips and resources on living a longer, healthier life.

Contact a financial professional


John Hancock's life insurance products are offered through an extensive network of experienced financial professionals from a variety of firms across the country. They can help you evaluate your goals and choose the life insurance product that's right for you.

Contact a financial professional




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  1. You can order Apple Watch Series 3 (GPS) for an initial payment of $25 plus tax and over the next two years, monthly 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. A Retail Installment Agreement with the Vitality Group will need to be signed electronically at checkout. 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 www.apple.com/watch/cellular 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. Apple Watch program is not available in New York.
    Please consult your financial representative as to how premium savings may affect the policy you purchase. Vitality Rewards may vary based on the type of insurance policy purchased for the insured (Vitality Program Member), the ownership and inforce status of the insurance policy, and the state where the insurance policy was issued. Vitality is the provider of the John Hancock Vitality Program in connection with your life insurance policy.

Insurance policies and/or associated riders and features may not be available in all states. Insurance products are issued by John Hancock Life Insurance Company (U.S.A),197 Clarendon Street, Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, 100 Summit Lake Drive, 2nd floor, Valhalla, NY 10595.