Earn your Apple Watch with John Hancock Vitality PLUS
Life insurance with the John Hancock Vitality Program rewards you for the healthy activities you do every day. And now, you can earn Apple Watch Series 5 (or series 3 with lower pricing - your choice!) for an initial payment of just $25 plus tax when you become a John Hancock Vitality PLUS member. Simply exercise regularly to earn Vitality Points and see the cost of your Apple Watch go down. The more Vitality Points you earn, the less you'll pay each month (see example points and pricing charts below).
How the program works:
- Register for your Vitality member account and complete the Vitality Health Review (VHR)
- Order your Apple Watch for an initial payment of $25.
- Walk, run, bike, swim or do any number of exercises that qualify as Standard or Advanced workouts in the program and earn Vitality Points that go toward your monthly watch payments.
- Monthly payments are based on the number of Vitality Points you earn each month from qualifying activities over a 24-month period.
- Earn 500 fitness-related Vitality Points per month over two years and you'll pay no additional charges.
Get Active. Get Rewarded.
The Vitality Points you earn towards your Apple Watch can also lead to additional rewards and discounts, as well as savings on your life insurance premiums, with the John Hancock Vitality Program.
Learn about the benefits of the John Hancock Vitality PLUS & Vitality GO programs
Apple Watch Series 5 (40mm)
0 points
240 points
360 points
500 points
Apple Watch Series 3 (38mm)
0 points
240 points
360 points
500 points
What qualifies as a Standard or Advanced Workout with Apple Watch?
Device |
Measurement |
Standard Workout (20pts/day) |
Advanced Workout
|
|---|---|---|---|
Apple Watch |
Step Count | 10,000 | 15,000 |
| Active Calories | Threshold based on Health app data* | Threshold based on Health app data* | |
Other Device** |
Step Count | 10,000 | 15,000 |
| Min Calories Burned | 200 | 300 | |
| Heart Rate | 60% of max HR for 30 minutes | 60% of max HR for 45 minutes | |
| Gym Attendance | 30 minutes of more | N/A |
* Thresholds for Standard and Advanced Workouts are based on the gender, height and weight data you provided in the Health app when you linked your Apple Watch to your John Hancock Vitality account. See the Health section of the John Hancock Vitality app for your personal Active Calories thresholds.
** Please visit JohnHancockVitality.com to learn how you can earn qualifying workouts using the mobile app, heart rate monitors, pedometers etc.
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.
1RAND Europe 2018, Financial incentives and physical activity, Evidence from the Vitality’s Apple Watch benefit, Marco Hafner, Jack Pollard and Chris van Stolk, page vii.
Vitality and Apple Watch boost exercise rates
A new study of Vitality members shows using Apple Watch can significantly increase the number of active days per month by almost 31%.1
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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 02116 (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 insurance agent 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.
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