Get life insurance that pays you back now

Live healthy, save money with rates as low as $15/month*

Save on life insurance and more

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 by up to 10%. Once your policy is issued you can choose one of the following fitness devices to record activities and earn points.

Apple Watch® Series 3 for as little as $25. Track your workouts to earn points.
A complimentary Fitbit® device or a different discounted fitness tracker such as Garmin or Polar.

Score even more:

Savings of up to $600
a year on healthy foods
gear discounts
Shopping and
entertainment rewards

It's easy to save


Earn points

Track the things you already do to stay healthy and accumulate points.


Increase your status

The more points you earn, the higher your status.


Get rewarded

The higher your status, the more savings and rewards you can earn each year.

Get Apple Watch for as little as $0/month

After your initial payment of $25 plus tax, your monthly payments could be as low as $0 based on the number of points from Standard or Advanced workouts.

  • Stay active to accumulate points each month
  • The more you earn, the less you’ll pay
  • Track progress with our app or member website

Points add up fast. For example, 15,000 steps earns you 30 points.

The more active you are, the less you’ll pay

For the 42 MM Case
0 PT
240 PT
350 PT
500 PT

The low cost of coverage may surprise you

Many people overestimate the cost of life insurance — by as much as 80%!1
The chart below shows how affordable it can be.

Age $500,000 $750,000
30 $26.82 $37.25
40 $34.92 $49.40
50 $65.57 $95.37
60 $155.82 $230.75
Age $500,000 $750,000
30 $22.32 $30.50
40 $27.97 $38.97
50 $56.37 $81.57
60 $117.72 $173.60
Policy coverage available for $250,000 to $1,000,000 with 10-year term. Applies to Policy Form Series: 17SPTERMHE

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 or 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.

With John Hancock Vitality, these sample rates represent a cost that is guaranteed for the first policy year, only. After the first year, for the duration of the term you select, the premium will vary and may increase or decrease from year to year as it is dependent upon the Vitality Status achieved by the policy insured each year.

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 especially after
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. Every year on your policy anniversary, you may receive premium savings depending upon 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.

  • Order your Apple Watch for an intial payment of $25 plus tax.
  • Your payment will be based on the number of Standard or Advanced Workouts you complete each month over 24 months
  • There are many different ways to earn points, for example, you can earn 20 points a day for a Standard Workout, which includes walking between 10,000 and 14,999; you can earn 30 points a day for an Advanced Workout, which includes 15,000 steps or more.
  • The more points you earn, the less you’ll pay. Monthly charges vary based on the number of points you earn and the Apple Watch model you choose (38mm or 42mm).

Our easy online application takes about 15-20 minutes to complete. Be sure to have the following information on hand:

  • Driver's license
  • Social security numbers for you and your beneficiary(ies)
  • Bank information
  • List of medications you take on a regular basis, and the doctors that prescribe them

Our strong ratings, as judged by the major ratings agencies, are a measure of our 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, we’ve protected generations of American families – and we’ll be here for yours, too.

More questions? Your licensed Coverage Coach has answers.

We’re here to guide you through your options and customize a policy just for you. Your call is free and there’s no obligation.