September 19, 2018
BOSTON – Starting today, in a departure from the traditional life insurance business model, all John Hancock life insurance policies will come with Vitality – a behavior change platform that rewards customers for the everyday steps they take to live longer, healthier lives. Built on the convergence of behavioral economics and consumer technology, John Hancock Vitality policies incentivize healthier choices linked to physical activity, nutrition and mindfulness.
“For centuries, the insurance model has primarily provided financial protection for families after death, without enhancing the very quality it hinges on: life,” said Marianne Harrison, John Hancock president and CEO. “We fundamentally believe life insurers should care about how long and well their customers live. With this decision, we are proud to become the only U.S. life insurance company to fully embrace behavioral-based wellness and leave the old way of doing business behind.”
The time for change is now: America’s health is at risk
John Hancock began offering Vitality as part of its overall set of offerings in 2015 in response to a troubling shift in Americans’ health: lifestyle diseases are the leading cause of death. According to the Oxford Health Alliance, just four choices — physical inactivity, an unhealthy diet, excessive alcohol and smoking — now cause more than 60 percent of deaths and 80 percent of the disease burden globally. 
To face this challenge, John Hancock turned to Vitality and its pairing of technology, incentives and science to inform and reward customers for making healthier choices every day.
The results are compelling. To date, worldwide Vitality policyholders have shown to:
While John Hancock Vitality policyholders:
“The remarkable results of our Vitality offering convinced us this is the only path forward for the industry,” said Brooks Tingle, president and CEO of John Hancock Insurance. “We have smart phones, smart cars and smart homes. It’s time for smart life insurance that meets the changing needs of consumers. We believe offering Vitality on all life insurance policies, at no additional cost, is the right thing to do for our customers, our business and society. We believe this is the future of our industry, and I encourage other insurance companies to follow suit.”
“Poor eating and other unhealthy lifestyles have created an epidemic of preventable, chronic disease, hurting American families and businesses. John Hancock should be applauded for extending its Vitality program to focus on healthier food and lifestyles across its portfolio,” says Dariush Mozaffarian, MD, DrPH, Dean of the Friedman School of Nutrition Science & Policy, Tufts University. “Recognizing the complexities and confusion over good nutrition, John Hancock is collaborating with the Friedman School to ensure that strong science informs these efforts.”
John Hancock Vitality Life Insurance – Two Options to Support Healthy Living
John Hancock Vitality Life Insurance now offers new and existing* customers two options to support and incentivize healthier choices, wherever they are in their wellness journey:
*Vitality GO and PLUS will be rolled out over time, beginning in 2019, for existing John Hancock life insurance policyholders
ABOUT JOHN HANCOCK FINANCIAL AND MANULIFE
John Hancock is a division of Manulife Financial Corporation, a leading international financial services
group that helps people make their decisions easier and lives better. We operate primarily as John Hancock in the United States, and Manulife elsewhere. We provide financial advice, insurance and wealth and asset management solutions for individuals, groups and institutions. Assets under management and administration by Manulife and its subsidiaries were over CAD$1.1 trillion (US$849 billion) as of June 30, 2018. Manulife Financial Corporation trades as MFC on the TSX, NYSE, and PSE, and under 945 on the SEHK. Manulife can be found at .
One of the largest life insurers in the United States, John Hancock supports approximately 10 million
Guided by a core purpose of making people healthier, Vitality is the leader in improving health to unlock outcomes that matter. By blending smart tech, data, incentives, and behavioral science, we inspire healthy changes in individuals and organizations. Vitality brings a global perspective through successful partnerships with the smartest insurers and most forward-thinking employers around the world. More than 8 million people in 18 countries engage in the Vitality program. For more information, please visit www.vitalitygroup.com.
 Steps data from BusinessInsider.com, July 2015.
 Data based on policyholder experience since inception in the U.S., April 2015.
 For single life permanent products. For term products, the rider fee will be 3% of the policy’s modal premium
Premium savings are in comparison to the same John Hancock policy without the Vitality program. Annual premium savings will vary based upon policy type, the terms of the policy, and the level of the insured’s participation in the John Hancock Vitality program.
Insurance policies and/or associated riders and features may not be available in all states.
Apple Watch program is not available in New York. You can order Apple Watch Series 3 (GPS) by electronically signing, at checkout, a Retail Installment Agreement with the Vitality Group, for the retail price of the watch. After an initial payment of $25 plus tax, over the next two years, monthly out of pocket payments are based on the number of workouts completed. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.
Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of the policy.
In New York, entertainment, shopping, and travel rewards are not available and are replaced by healthy living and active lifestyle rewards.
Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock
Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.