1. John Hancock Life Insurance with Vitality
Overview
Presenter’s Name
Title
The purpose of this presentation is to provide details on John Hancock’s innovative life insurance solution that rewards your client’s for living healthy.
FOR INSTITUTIONAL/BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION OR USE WITH THE PUBLIC.
Vitality is the provider of the John Hancock Vitality Program in connection with policies 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 and securities offered through John Hancock Distributors LLC, through other broker/dealers that have a selling agreement with John Hancock.
LIFE /16 MLINY

2. Agenda A Smarter Approach to Life Insurance
John Hancock’s Partnership with Vitality
John Hancock Life Insurance Products with Vitality
LifeTrack Policy Management Solution
Overview of the Vitality Program
The Customer Experience
Imagine how much better our client’s lives would be if we helped them live better.
During this presentation we will discuss this entirely new approach to life insurance, why John Hancock chose to partner with Vitality, the John Hancock products it is available on; how the program works and what the customer experiences when they purchase a John Hancock life insurance policy with Vitality.

3. A Smarter Approach to Life Insurance
Life insurance should reward your clients for living that’s why John Hancock is taking a whole new approach — one that can protect your client’s family while supporting their pursuit of a healthier and longer life.
Life insurance that protects clients and their families no matter what life brings
The opportunity to save money and earn more potential income
Personalized health goals, wellness information, and a free Fitbit® device and other wearable devices to track progress
The opportunity to earn Apple Watch® Series 2 based on their workouts
Entertainment, shopping, gym discounts and travel rewards as well as discounts*
*In New York, entertainment, shopping, and travel rewards are not available and are replaced by healthy living and active lifestyle rewards.
John Hancock is excited to introduce an entirely new approach to life insurance. With it, clients can save on their annual premiums each year and earn great rewards and discounts by simply living a healthy life.
We’re constantly looking for ways to design smarter products that offer greater customer value and adapt to the demands of modern life. Life Insurance with the John Hancock Vitality Program will get that and more.

4. A New Exclusive Partnership in the U.S.
Introducing a exclusive partnership between John Hancock and Vitality.

5. More Than 3 Million Vitality Members Worldwide
Internationally recognized health promotion program based on behavioral, actuarial and clinical principles
Innovative and evidence-based approach delivers high levels of engagement, sustained results, and top quality data
South Africa
Europe
United States
United Kingdom
China
Asia Pacific
Australia
Singapore
So who is Vitality? 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’s approach to wellness is premised on proven scientific and behavioral economic theories: Rewarding people for improving their health incentivizes them to sustain changes to their lifestyle in the short and long term. Vitality’s Intelligent Incentives™ program creates tangible ways of measuring members’ health progress and inspiring them to do more, using strategies developed and refined by actuaries informed by 180 million months of member data.
They are part of a global program with over 750,00 members in the U.S and over 3 million globally. Some of the worlds largest insurers all looked for a wellness program that would engage members continuously to reduce insurable risk. These global insurers did significant due diligence, clinically and actuarially, and they all came to the same conclusion, as did John Hancock -Vitality is the best program that brings the operational rigor and member tools needed to achieve the goal of risk reduction
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

6. What Consumers are saying…. FAVORABLE REACTION TO PRODUCT CONCEPT
I would definitely consider this product, but it would have to come from a reputable company, like John Hancock!
It’s about time a company did something like this.
I like the fact that it rewards me for things I’m already doing every day, like going to the doctor, buying healthy foods, and working out.
Why would anyone want to buy a traditional policy once they know about this?
I like that it saves you money by rewarding healthy behavior.
Four Focus Groups held in mid-September
Goal: To test overall appeal of the concept with two consumer segments:
1) younger (34-49)/mass affluent ) older (50-65) affluent
Overall Reaction: On a scale of 1-5 with ‘5’ being the best, most participants ranked the concept a ‘4’, saying they’d need more detail before giving it a ‘5’

7. Changing the Conversation About Life
John Hancock’s new approach to Life Insurance is now about living healthy. The John Hancock Vitality Program allows you to:
Deliver more value and strengthen client relationships
Open doors for new clients and referrals
Engage clients throughout their lives
Talk to your clients about living for today while still planning for the future

8. Who is a Good Fit for This Product?
Anyone who wants to save money on their life insurance premiums can benefit from the John Hancock Vitality Program:
People who are already living healthy lifestyles — they exercise, receive annual health screenings and stay tobacco-free.
People who recognize the importance of healthy living – they are committed to making changes to their current lifestyle. Perhaps a life event or health diagnosis has persuaded them to take steps that will improve their health.

9. John Hancock Life Insurance with Vitality CUSTOMER EXPERIENCE
Bob, age 43, buys life insurance policy.
Receives Welcome Kit. Initial Vitality Status: Bronze
Vitality Age: 46 Goal: Lose 10 lbs.
Earn points for biometrics from underwriting
Free Fitbit device.
Save money at the grocery store.
Receive notifications of points earned.
Earn points for going to the gym.
Silver Status Achieved!
Earn points for participating in athletic events.
Save 50% on luxury hotel stay
Gold Status Achieved!
Vitality Age: 43
Lost 10 lbs.
Goal Achieved!

10. How the Vitality Program Works
Accumulate Vitality Points: Earn Vitality Points by completing simple health-related activities
Earn a Vitality Status: Each year, your client’s status level will be determined based on the number of points they accumulate
Enjoy Savings and Rewards: The higher your client’s Vitality Status the more your clients can earn in potential premium savings and rewards
So how does the savings work? As you saw in the customer experience journey, its easy to participate
Customers earn Vitality points by completing simple health related activities and each year their Vitality status changes based on the number of points accumulated. The higher the status the greater the savings and rewards.

11. Accumulate Vitality Points
Each year, members can earn Vitality Points for everyday things like:
Walking, exercising, going to the doctor or even getting a flu shot
Based on the number of points they accumulate, your clients will earn a Vitality Status – Bronze, Silver, Gold, Platinum
Clients can earn points by doing a variety of things – not just exercising – they will earn points for having an annual check up at the doctors or even going to the dentist or getting a flu shot.
They do not have to athletes!

12. Earn a Vitality Status
On their policy anniversary, they’ll earn premium savings that reflect the status level they’ve achieved
Below is an example of some simple activities clients can do to achieve a Gold status
See this simple chart highlighting some of the simple things clients can do to earn the Gold Status.

13. Life insurance products with john hancock vitality

14. John Hancock Insurance Products with Vitality
Help your clients save money1 and earn more potential income
Change the conversation by making it about living healthy
Offer highly competitive premiums, discounts, and rewards for healthy living2
Engage your clients in meaningful discussions at the point of sale and throughout their lives
For the FIRST time in the life insurance industry in the U.S., John Hancock is taking an entirely new approach to life insurance. at the forefront of the evolution of new products and is changing the way that you buy and sell life insurance products. We are excited to introduce the next generation of products that provides your clients the choice to participate in a new healthy, active lifestyle program where they control the outcome, and as a result, they will benefit from significant premium discounts, personalized healthy goals, a free Fitbit and other rewards and discounts.
Whether your clients enjoy healthy living today or simply aspire to live a healthier life, John Hancock Life Insurance with Vitality can provide a personalized program just for them.
EVERYONE wants to save money, especially on a product that most people struggle to buy in the first place. John Hancock has partnered with Vitality to introduce this new evolutionary and revolutionary healthy engagement rider.
With Protection UL and with Term with Vitality, clients will get that and more.
Please consult with your clients on how premium savings may affect the policy they purchased and that paying a premium amount for Protection UL with Vitality that differs from the originally illustrated amount could reduce the duration of the policy's death benefit protection feature or impact other features of the policy.
John Hancock Term with Vitality policies with face amounts below $2,000,000 are not eligible for all rewards.

15. Live a Healthy Life – and Save PROTECTION UL WITH VITALITY SAVINGS BY STATUS LEVEL
In the example below, a man in his mid-50s is looking for $1,000,000 in coverage. See how earning a higher Vitality Status can lower his premiums over 20 years.
CUMULATIVE PREMIUM SAVINGS BY STATUS OVER 20 YEARS COMPARED TO LEADING COMPETITOR
Male, 55, Preferred Non Smoker, $1,000,000, Lifetime Coverage, Level-Pay
The premium savings over time is even more meaningful!
Achieving and maintaining Gold status is very realistic for most clients. We will take a close look at what is required later in the presentation.

16. Live Well and Save Money PROTECTION IUL WITH VITALITY SAVINGS BY STATUS LEVEL
In the example below, a man in his mid-40s is looking for $1,000,000 in coverage. See how earning a higher Vitality Status can lower his premiums over 20 years.
CUMULATIVE PREMIUM SAVINGS BY STATUS OVER 20 YEARS COMPARED TO LEADING COMPETITOR
Male, 45, Preferred Non Smoker, $1,000,000, Lifetime Coverage, Level-Pay
The premium savings over time is even more meaningful!
Achieving and maintaining Gold status is very realistic for most clients. We will take a close look at what is required later in the presentation.

17. Live a Healthy Life – and Increase Policy Value ACCUMULATION IUL WITH VITALITY INCOME IMPROVEMENT BY STATUS LEVEL
In the example below, a 40 year old man is looking for $1,000,000 in coverage. See how earning a higher Vitality Status can potentially increase his income over 20 years.
INCOME IMPROVEMENT OVER 15 YEARS COMPARED TO A BRONZE STATUS
Male, 40, Preferred Non Smoker, $1,000,000 Death Benefit, Paying Target Premium Annually for 20 Years
The accumulation potential over time is even more meaningful!
Your clients can earn points for the everyday things they do to stay healthy. The more points they earn, the higher their
Vitality Status, and the greater their income potential.

18. Live a Healthy Life – and Increase Policy Value ACCUMULATION VUL WITH VITALITY INCOME IMPROVEMENT BY STATUS LEVEL
In the example below, a 40 year old man is looking for $1,000,000 in coverage. See how earning a higher Vitality Status can potentially increase his income over 15 years.
INCOME IMPROVEMENT OVER 15 YEARS COMPARED TO A BRONZE STATUS
Male, 40, Preferred Non Smoker
Accumulation VUL with Vitality allows your clients to earn even more retirement income by simply living a healthy life.
The healthier your clients are, the longer they may live, and the more income they’ll need to maintain their lifestyle.

19. Live a Healthy Life – and Increase Policy Value EASY ISSUE VUL WITH INCOME IMPROVEMENT BY STATUS LEVEL
Healthy Living Pays Off The higher your clients’ Vitality Status — Bronze, Silver, Gold, or Platinum — the greater their income potential and rewards!
Simplified Life with Vitality is a quick and easy VUL solution that offers tax-favored cash accumulation with rewards for living healthy.
Your clients can earn points for the everyday things they do to stay healthy. The more points they earn, the higher their Vitality Status –
Bronze, Silver, Gold, or Platinum – and the greater their income

20. John Hancock Term with Vitality
John Hancock Term with Vitality provides Competitive pricing plus the opportunity to lower premiums even further
INITIAL PREMIUM SAVINGS WITH JOHN HANCOCK TERM WITH VITALITY
Male, 45, Preferred Non Smoker, Term 20
JH Term with Vitality is a separate product that gives the customer access to Vitality and an opportunity to lower premiums. The annual fixed premium adjustments are based on the customer’s level of engagement.
After the first policy year, premiums will adjust based on the Vitality Status achieved by the life insured.
Premiums remain level if a Gold status is achieved
Premiums increase if a status of Bronze or Silver is achieved
Premiums decrease if a Platinum status is achieved.

21. John Hancock Term with Vitality MALE, 55, BEST RISK CLASS, $1,000,000, 10-YEAR TERM
Bronze
Silver
New Gold Years 6+
Gold
But what happens if the customer does not get to or maintain their Gold Status?
In this scenario we are assuming the client only gets to Silver and maintains Silver status for the first 5 years, then they start doing more of the activities required to increase their vitality points and their status goes to Gold. Because the level premium is set to Gold, premiums would have stepped up slightly each year for the first 5 years until the client reached Gold status, at which point the premiums would decrease to slightly above the original Gold premium and remain level provide the customer’s status remains at Gold.
Platinum
The data shown is taken from an illustration. After the first year, premiums for John Hancock Term with Vitality are not guaranteed because they will adjust annually based on a Life Insured’s participation in the program and the Vitality Status they achieve. Not all benefits and values are guaranteed.

22. lifetrack

23. LifeTrack Policy Management Solution
LifeTrack is an industry-first policy management solution that helps clients stay on track to meet their insurance goals
Works to motivate clients to save money or earn more income when combined with the John Hancock Vitality Program
Each year, LifeTrack Premium Notices are adjusted based on actual policy performance and future assumptions
Clients receive annual personalized communications so they will always understand the amount they need to pay
There are three simple tools of engagement with Vitality.
The first tool of engagement is when the client determines their Vitality age… according the Vitality Institute, American’s on average are 5 years older than they think.
Read bullets
Paying a LifeTrack 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.

24. LifeTrack Benefits
Personalized Annual Report that shows clients how the policy is tracking relative to their goals
Extra motivation for John Hancock Vitality members to take a few more steps toward living a healthier life.
Clients will receive s each year to communicate how much more they can lower their premium by achieving a higher Vitality Status
Peace of mind that clients “stay on track” to meet their insurance goals
There are three simple tools of engagement with Vitality.
The first tool of engagement is when the client determines their Vitality age… according the Vitality Institute, American’s on average are 5 years older than they think.
Read bullets

25. Getting started

26. Getting Started with the Program
Once the policy is issued:
Enclosed with each client’s policy find instructions and a web key to help encouraging clients to login to the member website at
Clients must then complete an online Vitality Health Review (VHR) that identifies and provides them with a Vitality AgeTM
VHR asks simple health and lifestyle questions (VHR includes biometrics from underwriting which are automatically uploaded)
After they complete their VHR, we’ll send them a free Fitbit device
There are three simple tools of engagement with Vitality.
The first tool of engagement is when the client determines their Vitality age… according the Vitality Institute, American’s on average are 5 years older than they think.
Read bullets
VHR inputs are confidential and do not affect your clients’ underwriting status with John Hancock.

27. John Hancock Life Insurance with Vitality CUSTOMER EXPERIENCE
Bob, age 43, buys life insurance policy.
Receives Welcome Kit. Initial Vitality Status: Bronze
Vitality Age: 46 Goal: Lose 10 lbs.
Earn points for biometrics from underwriting
Free Fitbit device.
Save money at the grocery store.
Receive notifications of points earned.
Earn points for going to the gym.
Silver Status Achieved!
Earn points for participating in athletic events.
Save 50% on luxury hotel stay
Gold Status Achieved!
Vitality Age: 43
Lost 10 lbs.
Goal Achieved!

28. How the Vitality Program Works
Bob gets his free Fitbit device once he completed his Vitality Health Review (VHR)
He then registers it online to automatically track his activities

29. It’s Easy to Start Earning Vitality Points
Earn points through
Annual health check-up at doctor, Walgreens or Quest Diagnostics
Exercise – Gyms, events (such as 5K), personal exercise
Education – online wellness courses through
Many different methods of earning exercise points
Using Fitbit or other fitness devices
MapMyFitness mobile app
Gym check-in using the John Hancock Vitality mobile app
Visiting a partner gym and swiping a membership card
Logging activities
Each clients information is used to create a personalized custom pathway. Through education, activity, healthy living, prevention and achievable goals, clients are rewarded for every wellness activity they engage in. For those at risk we reward you for changing your numbers. For those who are at low risk we reward you for maintaining your healthy lifestyle and improving on it.
Earning points is fairly easy as long as you lead a relatively healthy lifestyle and track your points. You can earn & track points by
Read bullets
And there are many different ways to earn exercise points

30. Customized Vitality Program for Older Clients
Automatically applies to in-force policy owners who have John Hancock Vitality policies once the insured is 71 or older
They’ll get credit for the things they do to stay healthy, but at a pace that makes sense
AGES 70 AND BELOW
AGES 71-80
AGES 81+
VITALITY POINTS
HEALTHY BIOMETRICS
Blood Pressure Check
< 120/80
< 140/90
1,000 points per year
EXERCISE*
Light Workout
5,000-9,999 steps per day
4,000-7,999 steps per day
3,000-5,999 steps per day
10 points per day
Standard Workout
10,000-14,999 steps per day
8,000-11,999 steps per day
6,000-8,999 steps per day
20 points per day
Advanced Workout
< 15,000 steps per day
< 12,000 steps per day
< 9,000 steps per day
30 points per day
*Category maximum of 7,000 points per year.

31. Earning Vitality Points
ACTIVITY
VITALITY POINTS
Vitality Health Review
Annual Vitality Health Review (VHR)
500
Bonus – Complete VHR in first 90 days
250
Bonus – First time VHR
Vitality Check (Annual Health Screening)
Annual Health Check (Biometric Screening)
Non-tobacco user
1,000
Physical Activity
Physical activity review
Light workout (6 per week, verified)
3,120
Vitality HealthyFood™
HealthyFood purchases
100
Prevention
Annual flu shot
400
Mammogram screening
200
Dental screening
Online Education
Health assessment calculators (4 calculators)
Mental well-being reviews (2 courses)
Nutrition courses (4 courses)
300
Total Points
7,520
SUSAN Age 50
Let’s take a look at Susan who has been doing a light workout 6 days per week and using her free Fitbit to track this activity and take a look at the other activities she was able to do to reach Gold Status.
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 500 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 is not that difficult as long as you are willing to do a few things.

32. Earning Vitality Points
ACTIVITY
VITALITY POINTS
Vitality Health Review
Annual Vitality Health Review (VHR)
500
Bonus – Complete VHR in first 90 days
250
Bonus – First time VHR
Vitality Check (Annual Health Screening)
Annual Health Check (Biometric Screening)
Blood pressure in-range
1,000
Non-tobacco user
Physical Activity
Advanced workout (2 per week, verified)
Prevention
Annual flu shot
400
Dental screening
200
Online Education
Mental well-being reviews (2 courses)
100
Total Points
7,570
JOHN Age 40
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 500 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 is not that difficult as long as you are willing to do a few things.

33. Rewards program

34. Enjoy Savings & Rewards
The higher your client’s Vitality Status, the more they can potentially save on premiums, and the greater their rewards and discounts
Free Fitbit Device and Wearable Device Discounts
Half-Price
Hotel Stays*
Cruise
Rewards*
Apple Watch
Series 2*
HealthyFood Benefit
Your client’s status will determine their eligible rewards. Please note that for Term face amounts of $2,000,000 or less are not eligible for some of these rewards.
Healthy Gear Discounts
Free Health Check
Partner Gym Discounts
Shopping & Entertainment
New rewards and discounts will continuously be added!
*John Hancock Term with Vitality policies with face amounts below $2,000,000 are not eligible for these rewards.
In New York, Apple Watch, entertainment, shopping, and travel rewards are not available and are replaced by healthy living and active lifestyle rewards.

35. New York Vitality Program Differences
Nationwide
New York 
Apple Watch Series 2
Free Fitbit Device & Wearable Device
Discounts
HealthyFood Benefit
Free Health Check
Half-Price Hotel Stays
Cruise Rewards
Partner Gym Discounts
Healthy Gear Discounts
Shopping & Entertainment
Health & Active Lifestyle Retail Rewards

36. Apple Watch Series 2 - Overview
Your clients can order Apple Watch Series 2 for an initial payment of $25 plus tax, (if applicable)
Apple Watch payments will be based on the number of Standard and Advanced Workouts completed each month over a 24-month period
Clients can earn Vitality Points for Standard and Advanced Workouts - the more points earned, the less they pay for Apple Watch Series 2

37. Apple Watch Series 2
Introducing Apple Watch Series 2 to the John Hancock Vitality Program
Now with Apple Watch your clients can track their overall health and well-being
The more active they are, the more Vitality Points they earn towards funding the full cost of their Apple Watch
A unique benefit which provides Vitality members access to a leading edge fitness device
Apple Watch Series 2 is available on all permanent life insurance products with Vitality and Term policies with face amounts of $2,000,000+.

38. Apple Watch Series 2 Ordering
Member logs into the website
On the Rewards page select Apple Watch Tile
Select case size and color, band type and color
Click Order Now
Pay initial fee, sales tax and any applicable upgrade fees
Apple Watch shipped directly to member from Apple

39. Wearable Devices & Health Check
25% - 40% discount on wearable devices
Fitbit
Polar
Garmin
Free health check from Quest Diagnostics
Results are automatically recorded earning the member even more Vitality Points
Quest Diagnostics
In additional to the free fitbit, customers can receive discounts on other wearable devices such as additional fitbits, Polar or Garmin.
Clients can also receive free health screenings each year from affiliated partners of Vitality. Results are automatically recorded for the Vitality member earning them more Vitality Points

40. Hotel Discounts and Cruise Rewards
Half-price hotel stays at any Hyatt hotel worldwide
20% to 50% on all Royal Caribbean International, Celebrity Cruises, Crystal Cruises, Yachts of Seabourn, and Azamara Cruises
The higher the Vitality Status, the more nights can be purchased in a given year
Clients can earn half-priced hotel nights at any Hyatt hotel worldwide. The higher the Vitality Status, the more nights can be purchased in a given year
Clients can set sail with discounted cruises from 20% to 50% on all Royal Caribbean International, 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.
John Hancock Term with Vitality policies with face amounts below $2,000,000 are not eligible for these rewards. These rewards and discounts are not available in New York.

41. Vitality HealthyFood Benefit
With our new HealthyFood benefit, clients can save up to $600 a year – $50 a month – on their qualified healthy food purchases.
There are more than 16,000 participating stores nationwide, including Walmart and 70 NutriSavingsTM grocery chains.
Clients can also earn Vitality Points with every purchase they make, leading to greater premium savings and rewards.
The HealthyFood benefit is available to your clients on qualified purchases during their first program year regardless of their Vitality Status. In subsequent program years, HealthyFood discounts are only available if they achieve a Gold or Platinum Status. They will, however, continue to accumulate Vitality Points for their healthy food purchases no matter what their Vitality Status.

42. Two Great Ways Your Clients Can Save
4,000 locations nationwide
Discounts on all Great For YouTM foods
Real-time savings at the check-out
70 participating grocery chains (12,000 locations nationwide)
15,000 qualified healthy foods
Savings will accumulate and can be redeemed from your NutriSavings account

43. Partner Gym Discounts
Exclusive discounts at top gyms nationwide, including:
Lifetime Fitness
LA Fitness
TITLE Boxing Clubs
Curves
24 Fitness
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

44. Shopping and Entertainment
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 it earn rewards from these leading retailers. And remember, we are always working to add more reward partners.
*In New York, entertainment, shopping, and travel rewards are not available and are replaced by healthy living and active lifestyle rewards.

45. New York Specific Rewards
Health & Active Lifestyle Retail Rewards – for NY only:
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 it earn rewards from these leading retailers. And remember, we are always working to add more reward partners.

46. Member access

47. Member Access
Members have a variety of ways to access their John Hancock Vitality Program information:
Download the John Hancock Vitality Mobile App at the Apple App Store or Google Play
Visit us online at
John Hancock Vitality Customer Service Center at , option 1 for policy owners or option 2 for financial representatives.

48. John Hancock Vitality App TRACKING POINTS IS EASY
Making engagement and tracking easy is critical for success.
Through the free John Hancock Vitality app, member clients can access their personalized information 24/7.
The app allows them to see their Vitality age, Vitality status, individual goals, Vitality points, log a work out, find a partner gym and much more
Its so easy for a member to engage and provide proof of engagement that a member can access their program daily.
And tracking points is easy too through the use of electronic engagement through the Vitality app or member website. And members can stay engaged through fun rewards games on the application or website as well

49. The John Hancock Vitality Website
Vitality members can of course engage using the website as well where they can also
See their status
Check their Vitality Age
View recent completed activities and points earned
Or chose from a variety of other options including browsing awards.

50. Buzz video

51. Disclosures
Insurance policies and/or associated riders and features may not be available in all states. An iPhone 5 or later is required to use Apple Watch Series 2. Daily requirements for a Standard Workout include taking > 10,000 steps, completing a 30-minute plus workout at a gym, burning the minimum number of Active Calories (personalized between ,250) with Apple Watch, burning > 200 calories based on an approved Vitality device, or exercising within a target heart rate at an average of 60% of a maximum heart rate for 30 minutes. Daily requirements to get credit for an Advanced Workout include taking > 15,000 steps, burning the minimum number of Active Calories (personalized between ,875) with Apple Watch, burning > 300 calories based on an approved Vitality device or exercising within a target heart rate at an average of 60% of a maximum heart rate for 45 minutes. Please note: Taxes on the retail cost of Apple Watch Series 2 must be paid at checkout. This program is applicable for Apple Watch Series 2, however, an upgrade to a different model can be made by paying the applicable upgrade fee. One Apple Watch can be purchased per 24 month period. The Retail Installment Agreement with the Vitality Group will need to be signed electronically at checkout. The Half-Price Hotel Stays benefit has a lifetime cap of 30 nights. The Cruise Rewards benefit has an annual cap of 8 nights and a lifetime cap of 50 nights. REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion. iTunes and Apple are registered trademarks of Apple Inc. All rights reserved. Apple is not a participant in or sponsor of this promotion. Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of the policy. 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. The HealthyFood benefit is available to your clients on qualified purchases during their first program year regardless of their Vitality Status. In subsequent program years, HealthyFood discounts are only available if they achieve a Gold or Platinum Status. They will, however, continue to accumulate Vitality Points for their healthy food purchases no matter what their Vitality Status.

52. Disclosures
Loans and withdrawals will reduce the death benefit, 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. 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 59½. Simplified Life is a Variable Life Insurance product. Paying a premium amount that differs from an originally illustrated amount could reduce the duration of the policy's Death Benefit Protection feature or the No Lapse Guarantee. John Hancock Vitality Program rewards and discounts are only available to the person insured under the eligible life insurance policy. Premium Savings and Enhanced Income Potential will apply based on the Status attained by the life insured. Variable universal life insurance has annual fees and expenses associated with it in addition to life insurance related charges. Variable universal life insurance products are subject to market risk and are unsuitable as a short term savings vehicle. Cash values are not guaranteed and will fluctuate, and the policy may lose value. Variable life insurance is sold by product and fund prospectus, which should be read carefully. They contain information on the investment objectives, risks, charges and expenses of the variable product and its underlying investment options. These factors should be considered carefully before investing. Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. Accumulated Income Potential will be based on the Status attained by the life insured. Insurance products and the Healthy Engagement Rider 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 and securities offered through John Hancock Distributors LLC, through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 197 Clarendon Street, Boston, MA