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Vitality Term
Lowest initial premium Term product with premiums that may fluctuate based on Vitality Status
- The John Hancock Vitality Program is a built-in feature on this product and cannot be removed.
- Premiums are level at Gold status and can increase or decrease based on the level of Vitality participation.
- Ideal for clients who want upfront premium savings.
Term Durations: 10-, 15-, 20- and 30-year
Underwriting: Full underwriting and accelerated underwriting (via John Hancock ExpressTrack — see the Accelerated Underwriting section below for more details)
Premiums adjust based upon engagement and Vitality Status earned each year:
- Platinum — decreasing premiums
- Gold — level premiums
- Silver — increasing premiums
- Bronze — increasing premiums
Minimum Face Amount: $250,000
Maximum Face Amount: $20 million
Issue Ages:
- 10-Year Term: 20‐80
- 15-Year Term: 20‐75
- 20-Year Term: 20‐65
- Renewable through age 94
Risk Classes: Super Preferred Non-Smoker, Preferred Non-Smoker, Standard Plus Non-Smoker, Standard Non-Smoker, Preferred Smoker, Standard Smoker, Substandard
Conversions: available during the earlier of attained age 70 and the end of the term-duration period.
Convertible in policy years one to four to any permanent life product available for sale. From year five to the end of the term duration, convertible to designated product only. Policyholders who have Gold or Platinum status on each of the three annual processing dates prior to the date of the conversion, can convert to any product for the first 10 years
Riders: Accelerated Benefit rider, Total Disability Waiver rider, Unemployment Protection rider
Replacements: Allowed after the first policy year
EXPRESSTRACK (Accelerated Underwriting):
- Issue ages 20-60
- Up to and including $3 million face amount
- Applications initiated via a John Hancock Ticket or ApplicInt’s Express Complete Multi-Carrier Ticket
Vitality Rewards
FACE AMOUNT $2 MILLION AND ABOVE — FULL REWARDS:
- Apple Watch® Series 3 or Series 4
- Complimentary Fitbit® device and discounted devices
- Free biometric screening
- Vitality Squares & Vitality Wheel
- Hotel discounts
- 25% healthy gear discount
- 25% discount on Vitality HealthyFood™ benefit (Year 1 for all, Years 2+ for Gold and Platinum)
- Gym discounts
FACE AMOUNT UNDER $2 MILLION — MODIFIED REWARDS:
- Apple Watch Series 3 or Series 4
- Complimentary Fitbit device & discounted devices
- Free biometric screening (first year only)
- Vitality Squares & modified Vitality Wheel
- 15% healthy gear discount
- 10% discount on Vitality HealthyFood benefit (Year 1 for all, Years 2+ for Gold and Platinum)
- Gym discounts
Sales Tools
Audience | Document | Updated | Link |
---|---|---|---|
Producer Use Only | Forms | 06/27/2024 | Click Here |
Producer Use Only | Hancock Talks Podcast | 07/15/2024 | Click Here |
Producer Use Only | Multi-Carrier Underwriting Guide | 08/07/2024 | Click Here |
Producer Use Only | Vitality Program Video | 08/06/2024 | Click Here |
Producer Use Only | Benefit Better Microsite Link | 07/15/2024 | Click Here |
Producer Use Only | Aspire Microsite Link | 07/15/2024 | Click Here |
Producer Use Only | Term with Vitality Microsite Link | 08/06/2024 | Click Here |
Consumer Use | Cost of Long Term Care Calculator | 07/15/2024 | Click Here |
Product Resources
Audience | Document | Updated | Form Number | Link |
---|---|---|---|---|
Producer Use Only | Life Insurance Product Portfolio | 07/15/2024 | LIFE-1832 | Click Here |
Producer Use Only | Producer Guide | 08/06/2024 | LIFE-5940 | Click Here |
Producer Use Only | Aspire with Vitality Producer FAQs | 07/15/2024 | LIFE-9636 | Click Here |
Producer Use Only | Aspire with Vitality Producer Guide | 07/15/2024 | LIFE-9638 | Click Here |
Producer Use Only | Life Insurance Riders Guide | 07/15/2024 | LIFE-7918 | Click Here |
Producer Use Only | Living Benefit Riders Selling Guide | 07/15/2024 | LIFE-1989 | Click Here |
Producer Use Only | Best Class Basic Criteria | 07/15/2024 | LIFE-5872 | Click Here |
Producer Use Only | Vitality Program Producer FAQs | 07/15/2024 | LIFE-4818 | Click Here |
Producer Use Only | Routine Underwriting Requirements | 07/15/2024 | LIFE-5096 | Click Here |
Producer Use Only | Sample Policy (10 Year) | 08/06/2024 | ICC23 23HETERM | Click Here |
Producer Use Only | Vitality and Protection Term Comparison Flyer | 08/06/2024 | LIFE-7310 | Click Here |
Consumer Use | Earn Vitality Points for Healthy Living Consumer Flyer | 07/15/2024 | LIFE-5915 | Click Here |
Consumer Use | Consumer Guide | 08/06/2024 | LIFE-5921 | Click Here |
Dedicated Team
2024 fmiAgent Point Awards
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