Keep up your healthy habits — like walking the dog, going to the doctor, eating well — and earn
Vitality Points that can lower your cost of coverage. Once you purchase a life insurance policy,
choose a fitness device to help track your progress:
Score even more:
Track the things you already do to stay healthy and accumulate points.
The more points you earn, the higher your status.
The higher your status, the more savings and rewards you can earn each year.
After your initial payment of $25 plus tax, your monthly payments could be as low as $0 based on the number of points you earn.
Points add up fast. For example, 15,000 steps earns you 30 points.
It's the simplest — and most affordable — type of life insurance you can buy. It protects your family for a set term (or period of time, like 10, 15, 20 years). You decide how long you want to be covered, and how much money your family would need if something happened to you during that time.
Think about the financial commitments your family would face without you. Would they be responsible for paying the mortgage or putting kids through college? Would they need full-time help with young children at home, or would older parents need assistance? Could they cover immediate expenses, like monthly bills and funeral costs?
Many people underestimate the amount of coverage they need. As a general rule, you'll want to plan for an amount that's equal to 5-10x your income.
Most people do. If you have loved ones who depend on your income now or may in the future — a spouse, children, elderly parents — you'll want to protect them from financial hardship if they have to go on without you.
Even if you already have life insurance, it's a good idea to update your coverage from time to time, and
major life events like getting married, buying a home or having a child.
Earn points for making healthy choices — the more points you earn, the more your vitality status will increase.
For SmartProtect Term with Vitality policies every year on your policy anniversary, you may receive premium savings depending on the points you accumulated and the status you achieved. Those savings can continue for the life of your policy if you lead a healthy lifestyle. In addition, if you achieve Gold or Platinum status in any year, the premium you pay in your next policy year will decrease compared to the amount you pay in the current policy year.
Our easy online application takes about 15-20 minutes to complete. Be sure to have the following information on hand:
John Hancock's financial strength ratings, as judged by the major ratings agencies, are a measure of John Hancock's financial strength and stability. That's important when you're choosing a life insurance company – you want a partner who will be there for your family if the time ever comes.
With over 150 years of experience, John Hancock has protected generations of American families.