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Protection Term
Level Term product offering death benefit protection at competitive premiums
The John Hancock Vitality Program is offered via an optional rider and can be dropped after issue
- Premiums are level at Bronze status and can only stay the same or decrease
- Ideal for clients who want certainty that their premiums will never increase
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)
Premium Options:
- OPTION 1: Level premium for term period selected
- OPTION 2: Add the Vitality rider and premiums adjust based upon engagement and Vitality Status earned each year:
- Platinum — decreasing premiums
- Gold — decreasing premiums
- Silver — decreasing premiums
- Bronze — level premiums
Minimum Face Amount : $250,000
Maximum Face Amount: $65 million*
*When the Vitality rider is added to the policy, the maximum face amount is $20 million
Issue Ages:
- 10-Year Term: 18-80
- 15-Year Term: 18-75
- 20-Year Term: 18-65
- 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:
- Conversions are available during the earlier of attained age 70 and the end of the term-duration period
- If there is no Vitality rider on the policy, convertible in policy years one to four to any permanent life product available for sale. From year five to the end of the level term duration, convertible to designated product only
- If the Vitality rider is added to the policy, the following applies: 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, Vitality PLUS rider
Replacements: Allowed after the first policy year
EXPRESSTRACK (Accelerated Underwriting):
- Issue ages 18-60
- 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:
Only applicable if Vitality rider is added to the policy.
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 | 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 | Producer Guide | 09/03/2024 | LIFE-6162 | Click Here |
Producer Use Only | Specimen Policy (10- Year) | 09/03/2024 | ICC23 23TERM | Click Here |
Producer Use Only | Life Insurance Product Portfolio | 07/15/2024 | LIFE-1832 | 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 | Vitality and Protection Term Comparison Flyer | 08/06/2024 | LIFE-7310 | Click Here |
Consumer Use | Consumer Guide | 09/03/2024 | LIFE-6160 | Click Here |
Consumer Use | Earn Vitality Points for Healthy Living Consumer Flyer | 07/15/2024 | LIFE-5915 | Click Here |
Dedicated Team
2024 fmiAgent Point Awards
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