John Hancock Life

Insurance with Vitality

Client Seminar

Presenter’s Name
Title

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 02117 (not licensed in New York) and John Hancock Life Insurance
Company of New York, Valhalla, NY 10595.
MLINY100115001 LIFE-5579 10/15
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

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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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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

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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About Vitality

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

Asia Pacific
Australia
Europe
UnitedChina
South Kingdom
Africa
Singapore
United States
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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

INCREASE
LIVE EARN YOUR GET
HEALTHY PPINTS STATUS REWARDED

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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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Earning Vitality Points

ACTIVITY POINTS

Vitality Health Review (VHR) 500

Completed in 90 Days 250

VHR First Time Bonus 500

BIOMETRICS

Susan Annual Health Check (Biometric Screening) 500

Age 50 Body Mass Index: Out of Range 0

Blood Pressure: Out of Range 0

Blood Glucose: Out of Range 0

Total Cholesterol: Out of Range 0

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 200

Mental Well-Being Review (4 Times) 200

Physical Activity Review 250

Total Points 7,220

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Earning Vitality Points

ACTIVITY POINTS

Vitality Health Review (VHR) 500

Completed in 90 Days 250

VHR First Time Bonus 500

John Annual Health Screening (Biometrics) 500

Age 40
Body Mass Index: Out of Range 0

Blood Pressure: Out of Range 0

Blood Glucose: In Range 1,000

Total Cholesterol: In Range 1,000

Non-tobacco user 0

EXERCISE

2 Advanced Workouts per Week 3,120

Dental Screening 200

Annual Flu Shot 400

Total Points 7,470

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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

GOLD STATUS
7,000 POINTS
GOLD
PLATINUM

PLATINUM STATUS
10,000 POINTS

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Enjoy Rewards

FREE FITBIT® HALF-PRICE

DEVICE HOTEL STAYS

WEARABLE DEVICE DISCOUNTED

DISCOUNTS CRUISES

FREE HEALTH SHOPPING AND

SCREENING ENTERTAINMENT

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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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

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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

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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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

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Three Easy Steps to Get Started

Step 1: Login and Register on the Vitality Member Website

Login at www.JohnHancockVitality.com 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

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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)

$0
BRONZE SILVER GOLD PLATINUM
0

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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How it Works Video

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The Vitality Journey – Bob, Age 43

Initial Vitality Vitality Age: 46

Bob, age 43, buys a
Status: Bronze Goal: Lose 10 lbs.
Life insurance policy Earn points for
biometrics from
underwriting

Receive email
Earn points for Earn points for going Silver status
notifications of
completing 5K to the gym achieved
points earned

Earn points for online Gold status Save 50% on

health courses achieved luxury hotel stay
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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John Hancock Vitality App

Tracking Points is Easy

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 Questions?

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 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.

John Hancock Life Insurance with Vitality