Loans and withdrawals will reduce the death benefit, cash surrender value, and may cause the policy to lapse. Some riders may have additional fees and expenses associated with them.
Insurance policies and/or associated riders and features may not be available in all states. Please contact your licensed agent or John Hancock for more information, costs, and complete details on coverage to help you determine if the policy is suitable for your needs. 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. There is no coordination between Aspire and any health benefits you may receive from an insurance policy, health plan, or any other wellness programs you may be enrolled in.Īspire is not available in New York, Idaho and Puerto Rico. Certain aspects of Aspire may change over time. Eligibility for an Onduo membership is also subject to Onduo’s qualification requirements. The benefits available under Aspire can vary depending on whether the insured has Type 1 or Type 2 diabetes, the type and coverage amount of the life insurance policy purchased and the level of Onduo engagement with the John Hancock Vitality Program. Travel rewards are not available in New York. Financial strength ratings are not an assessment, recommendation, or guarantee of specific products and their investment returns or value, do not apply to individual securities held in any portfolio or the practices of an insurance company, and do not apply to the safety and performance of separate accounts.Ĥ 30-year Term is not available in New York.ĥ Specific policy features can vary by product and are subject to underwriting approval.Ħ Premium savings and travel rewards are only available with Vitality PLUS. These companies have also received additional financial strength ratings from other rating agencies. Financial strength rating is current as of September 30, 2021, is subject to change, and applies to John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York as a measure of each company's financial ability to pay claims and to honor any guarantees provided by the contract and any applicable optional riders. Please contact your licensed agent or John Hancock for more information, costs, and complete details on coverage to help you determine if the policy is suitable for your needsġ Represents inforce John Hancock life insurance and long-term care policyholders as of December 2020.Ģ Payments made in 2020 for life insurance and long-term care claims.ģ Second highest of 13 ratings (superior ability to meet ongoing insurance obligations). There are two great versions of the program to choose from, each offering a variety of benefits and features to meet your personal goals and interests, including: 6 Vitality rewards you for the everyday steps you take to live a longer, healthier life - like going for a walk, buying healthy food or getting a good night's sleep.
#WHOLE LIFE INSURANCE NEW YORK LIFE FREE#
Free diabetes testing devices and suppliesīoth term and permanent products come with the option to take part in the John Hancock Vitality Program.In addition to the benefits of John Hancock Vitality listed above, Aspire also offers eligible customers: Complimentary or discounted wearable fitness devicesįor our customers living with type 1 or type 2 diabetes, we offer John Hancock Aspire - a program offering day-to-day diabetes support and rewards for taking proactive steps to manage your health.There are two great versions of the program to choose from, each offering a variety of benefits and features to meet your personal goals and interests, including:6 Just a few of the features John Hancock offers to help ensure your policy meets your needs while you're livingīoth term and permanent products come with the option to take part in the John Hancock Vitality Program.
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