Term Life InsuranceTerm Life Insurance
John HancockJohn Hancock
Choose your coverage style — straightforward protection or a policy that rewards healthy living.
John Hancock
Choose your coverage style — straightforward protection or a policy that rewards healthy living.
About John Hancock
John Hancock, a subsidiary of Canada's Manulife Financial Corporation, has insured Americans since 1862. With approximately $1.3 trillion in assets under management, John Hancock pioneered wellness-linked life insurance in the U.S. through the Vitality program — offering two distinct term products: one that rewards healthy living with dynamic premium discounts, and one that delivers competitive pure-protection pricing with complementary wellness perks.
Vitality Term
The policy that pays you to stay healthy — premiums go down as your fitness goes up.
Product Details
Key Features
Dynamic Premium Discounts
Year one starts at Gold-level pricing. From year two onward, steps walked, workouts logged, preventative screenings, and healthy food purchases all earn Vitality Points. Higher status (Silver → Gold → Platinum) means lower renewal premiums each year.
Apple Watch, Travel Discounts, and More
Get an Apple Watch for just $25 upfront (earned back through activity). Unlock hotel discounts through Expedia, a Headspace subscription, Galleri multi-cancer screening, and Amazon Prime membership for sustained healthy habits.
Extended Conversion Reward
Maintain Gold or Platinum Vitality Status for three years before converting, and the window during which you can convert to any permanent John Hancock policy extends significantly — without a new health exam.
Best For
Active, health-conscious clients who already wear a fitness tracker or go to the gym — the rewards and discounts can more than offset the premium cost.
Protection Term
A trusted name at dramatically competitive pricing — complimentary wellness perks included.
Product Details
Key Features
Significantly Reduced Pricing
John Hancock recently repriced Protection Term with reductions of up to 40% for certain age and health classes — making it one of the most competitive pure term options available from a major brand.
ExpressTrack — No-Exam Up to $3M
Applicants aged 18–60 applying for up to $3 million may qualify for an instant decision without a blood draw through the ExpressTrack underwriting program.
Vitality GO Wellness Perks
Automatically included at no cost. Provides discounts on Fitbit and Garmin fitness devices and select healthy food purchases — the wellness benefits without the full Vitality program commitment.
Best For
Value-conscious clients who want a trusted brand name with competitive pricing and don't need the full Vitality rewards program.