1. John Hancock Life Insurance with Vitality
Client Seminar
Presenter’s Name
Title
The purpose of this presentation is to provide details on the John Hancock products offering Vitality and an overview of the Vitality program.
JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)
JOHN HANCOCK LIFE INSURANCE COPMANY OF NEW YORK
Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY
MLINY LIFE /15

2. Today’s Agenda A Unique Solution for Life
A Smarter Approach to Life Insurance
About Vitality
John Hancock Life Insurance with Vitality
Earning Points and Rewards
The Journey
Imagine how much better your life would be if we lived better.
During this presentation we will discuss what John Hancock products offer Vitality, and the journey you will experience if you choose to purchase a John Hancock policy with Vitality.
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3. A Unique Solution for Life
Life insurance provides solutions to meet a wide range of financial needs and plays a valuable role in helping you reach your future goals, such as:
Protecting your income
Growing your retirement savings
Preserving your legacy
Safeguarding your business
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4. A Smarter Approach to Life Insurance
John Hancock is taking a whole new approach to life insurance — one that can protect your family while supporting your pursuit of a healthier and longer life.
Provides the opportunity to save money and earn more potential income
Personalized health goals, wellness information, and a free Fitbit® to track your progress
Entertainment, shopping, and travel rewards and discounts
John Hancock is excited to introduce an entirely new approach to life insurance. With it, you can potentially save on your annual premiums each year and earn great rewards and discounts by simply living a healthy life.
Paying a premium that is other than the planned premium on the initial ‘as sold’ illustration could reduce the duration of a policy’s Death Benefit Protection feature or No Lapse Guarantee.
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5. About Vitality Europe United Kingdom South Africa China United States
John Hancock has partnered with the global leader in integrating wellness benefits with life insurance
Vitality has an established track record of creating interactive programs
Millions of Vitality members worldwide use their approach
South Africa
Europe
United States
United Kingdom
China
Asia Pacific
Australia
Singapore
Vitality, is a global leader in integrating wellness benefits with life insurance products. They collaborate with organizations around the world to create interactive, personalized programs. Vitality’s online tools help millions of members identify and track their health and lifestyle goals, and their Vitality Institute offers insightful resources and research on health and well being.
Vitality started in South Africa with Discover Vitality
Then expanded to the UK – Vitality Health and Life
Then to China with Pingan
Asia Pacific, Australia, Singapore – AIA Vitality
Europe – Generali
United States – Vitality
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6. How the Program Works
Accumulate Points: Earn Vitality Points by completing simple health-related activities Achieve a Status: Each year, your status level will be determined based on the number of points accumulated Enjoy Rewards: The higher your Vitality Status the more you can earn in potential premium savings and rewards
How the John Hancock Vitality Program Works
So how do the savings work? Its easy to participate, you can earn Vitality points by completing simple health related activities and each year your Vitality status changes based on the number of points accumulated. The higher the status the greater the savings and rewards.
INCREASE
YOUR
STATUS
LIVE
HEALTHY
EARN
PPINTS
GET
REWARDED
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7. Accumulate Points
You can earn Vitality Points by completing simple everyday activities to stay healthy, like:
Going to the gym
Getting annual health screenings
Staying tobacco-free
Getting a flu shot
Visiting the dentist
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8. Earning Vitality Points
ACTIVITY
POINTS
Vitality Health Review (VHR)
500
Completed in 90 Days
250
VHR First Time Bonus
BIOMETRICS
Annual Health Check (Biometric Screening)
Body Mass Index: Out of Range
Blood Pressure: Out of Range
Blood Glucose: Out of Range
Total Cholesterol: Out of Range
Non-tobacco user
1,000
EXERCISE
Daily Light Gym Workout
3,120
Flu Shot Administered
400
Dental Screening
200
Health Calculators (4 Times)
100
Mammogram Screening
Mental Well-Being Review (4 Times)
Physical Activity Review
Total Points
7,220
Susan Age 50
You need 7000 points to get to Gold
Let’s look at two cases. First we have Susan age 50. She does all the necessary things to get started…like completing her VHR (500 pts) and earns another 250 for completing it in 90 days…even with her biometrics out of range, that fact that she is a non-tobacco user (1,000 pts) combined with her with daily light workouts, getting her flu shot (400 pts) and dental screening (200 pts) she is able to reach Gold Status. Earning points and getting to Gold may not be difficult as long as you are willing to do a few things.
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9. Earning Vitality Points
ACTIVITY
POINTS
Vitality Health Review (VHR)
500
Completed in 90 Days
250
VHR First Time Bonus
Annual Health Screening (Biometrics)
Body Mass Index: Out of Range
Blood Pressure: Out of Range
Blood Glucose: In Range
1,000
Total Cholesterol: In Range
Non-tobacco user
EXERCISE
2 Advanced Workouts per Week
3,120
Dental Screening
200
Annual Flu Shot
400
Total Points
7,470
John Age 40
Now let’s look at John, age 40. He does all the initial steps like completing his VHR in 90 days, and he get’s an extra 2,000 points for having some of his biometrics in range, 1,000 points for not smoking and his standard and advanced weekly workouts give him what he needs to get to Gold Status. Two Advanced workouts per week give him 3,120 points over the course of a year.
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10. Achieve a Vitality Status
Each year, you earn a Vitality Status based on the number of Vitality Points they accumulate
START AT
BRONZE STATUS
0 POINTS
BRONZE
SILVER STATUS
3,500 POINTS
SILVER
Every healthy activity has Vitality Points attached to it. The more points you earn, the higher your potential status.
As we have already mentioned, engagement drives healthy behavior and this can lead to higher status levels.
GOLD STATUS
7,000 POINTS
GOLD
PLATINUM
PLATINUM STATUS
10,000 POINTS
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11. New rewards and discounts will continuously be added!
Enjoy Rewards
FREE FITBIT® DEVICE
HALF-PRICE HOTEL STAYS
WEARABLE DEVICE DISCOUNTS
DISCOUNTED CRUISES
SHOPPING AND ENTERTAINMENT
FREE HEALTH SCREENING
And higher status levels an result in higher Rewards…
There are rewards that will help you earn points and get to the next status level. Like a free Fitbit, discounts on other wearable devices, and free biometric screenings to better manage health, and discounts on healthy gear.
Then there are rewards help celebrate getting to a higher status level. Like ½ price stays at hotels, discounts on cruises, and shopping and entertainment rewards.
Next we will take a closer look at these Vitality rewards
New rewards and discounts will continuously be added!
For John Hancock Term with Vitality policies, the level of rewards and discounts available will vary based upon the face amount selected at issue.
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12. Lifestyle Rewards Half-price hotel stays at all Hyatt hotel worldwide
The higher the Vitality Status, the more nights can be purchased in a given year
20% to 50% on all Royal Caribbean International, Celebrity Cruises, Crystal Cruises, Yachts of Seabourn, and Azamara Cruises.
The higher the Vitality Status, the larger the discount and more nights can be purchased in a given year
You can earn half-priced hotel staysat all Hyatt hotel chains. The higher the Vitality Status, the more nights can be purchased in a given year
You can also can set sail with discounted cruises from 20% to 50% on all Royal Caribbean, Celebrity, Crystal, Azamara and Seabourn cruise lines. The higher the Vitality status the larger the cruise discount and more nights can be purchased in a given year.
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13. Anytime Rewards Rewards for healthy successes with: Gift cards
Movie tickets
Other prizes
The more accomplished, the more opportunities to earn rewards from these and other leading retailers
In addition to these rewards and discounts, Vitality members may also have access to any time rewards for healthy success such as gift cards, movie tickets, clothing discounts, and other prizes. The more a member accomplishes, the more opportunities to earn rewards from these leading retailers. And remember, we are always working to add more reward partners.
iTunes is a registered trademark of Apple Inc. All rights reserved. Apple is not a participant in or sponsor of this promotion.
REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion. .
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14. Wearable Devices & Health Screenings
25% - 40% discount on wearable devices
Fitbit
Polar
Garmin
Free health screening from affiliated partners
Results are automatically recorded -- earning the member even more Vitality Points
Walgreens
Quest Diagnostics
In additional to the free fitbit, you can receive discounts on other wearable devices such as additional fitbits, Polar or Garmin.
You are also eligible for free health screenings each year from affiliated partners of Vitality. Results are automatically recorded for the Vitality member earning them more Vitality Points
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15. Three Easy Steps to Get Started
Step 1: Login and Register on the Vitality Member Website Login at and register for the program Step 2: Complete the Online Vitality Health Review (VHR) Take a 10-minute survey that asks general questions about your health Step 3: Redeem your Free Fitbit Start tracking your progress toward a healthier you, with a free Fitbit activity tracker
There is an easy three step process to start you on your way to earning points and rewards.
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16. A Permanent Product with Vitality
See how much a man in his mid-50s $1,000,000 in coverage can save by earning a higher Vitality Status over 20 years!
Hypothetical Example, Savings Over 20 Years, Compared to a Bronze Status
30,000
$27,000 (13% Savings)
$22,000 (10% Savings)
20,000
10,000
$7,000 (3% Savings)
The premium savings over time is even more meaningful. If this same client achieves and maintains Silver status they can save almost $7,000 over 20 years, if they achieve and maintain Gold status, the savings is 10% or $22,000 and at Platinum they can save 13% or over $27,000!
Achieving and maintaining Gold status is very realistic for most clients, as shown earlier in the presentation. We will take a close look at what is required later in the presentation. $0
BRONZE
SILVER
GOLD
PLATINUM
The figures used in this example are hypothetical, are rounded to the nearest thousand dollar for discussion purposes only, are not guaranteed and may not be used to project or predict individual results. The projected savings above represent the difference between attaining the higher status shown and remaining at Bronze status. This example assumes that as of year 20 the applicable status was earned in every policy year. The status you earn every year may affect the amount of total potential premium savings you realize. Specific product and policy elements for any policy you are considering purchasing, can be found in a policy illustration provided by John Hancock.
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17. How it Works Video Option to link to the How it Works video here.
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18. The Vitality Journey – Bob, Age 43
Vitality Age: 46
Goal: Lose 10 lbs.
Bob, age 43, buys a Life insurance policy
Earn points for biometrics from underwriting
Initial Vitality Status: Bronze
Silver status achieved
Receive notifications of points earned
Earn points for completing 5K
Earn points for going to the gym
Earn points for online health courses
Gold status achieved
Save 50% on luxury hotel stay
In order to understand how the product works we will take a high level view of the Customer Experience.
Follow Bob through his first year journey as he learns about, purchases, and engages with John Hancock’s new kind of life insurance featuring healthy rewards and premium savings
Vitality Age: 43
Lost 10 lbs.
Goal achieved!
Vitality Rewards may vary based on the type of insurance policy purchased , the ownership, and inforce status of the insurance policy, and the state where the insurance policy was issued.
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19. John Hancock Vitality App
Tracking Points is Easy
To help you stay engaged with the program, there is the Vitality mobile app. It’s a fast, convenient, and personalized way to track and record points. Go to the Apple app store or Google play to download.
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20. Questions?
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21. Disclosure
Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. Insurance policies and/or associated riders and features may not be available in all states. The John Hancock Vitality Program is available with select John Hancock policies. Please consult your financial representative as to product availability. If you are not both the policy owner and the life insured, the discounts, rewards, and Fitbit will be provided only to the life insured to encourage participation in the program. Status is attained based on the actions of the life insured only. Premium Savings or enhanced income potential will apply based on the Status attained by the life insured. 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. Cash value available for loans and withdrawals may be more or less than originally invested. 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. Please contact your licensed agent or John Hancock for more information, costs, and complete details on coverage. Availability of policies, features, and benefits may vary by state. You must elect the Healthy Engagement Rider to participate in the John Hancock Vitality Program. There are additional costs associated with the Healthy Engagement Rider. You may make a Written Request to terminate this Rider at any time. In addition, this Rider will terminate when the Policy is exchanged or terminated. Once terminated, the Healthy Engagement Rider cannot be reinstated. If the rider is in effect once the Insured turns Age 80 the Rider Administrative Charge will cease, all previously earned Rider Credits will continue to apply to the policy, but no new Rider Credits will be earned on the policy.