The interest rate charged is the policy loan interest rate

The interest rate charged is the policy loan interest rate

John Hancock Vitality Program rewards and discounts are only available to the person insured under the eligible life insurance policy. Rewards may vary based on the type of insurance policy purchased for the insured (Vitality Program Member). Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of the policy.

Products or services offered under the Vitality Program are not insurance and are subject to change. There may be additional costs associated with these products or services and there are additional requirements associated with participation in the program. For more information, please contact the company at or via telephone at 888-333-2659.

If the policy does not include a loan provision, the interest rate charged is determined monthly and is the variable loan interest rate on currently issued policies

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 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595 and securities are offered through John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 197 Clarendon Street, Boston, MA 02116.

Premiums savings are only available with Vitality PLUS

*Provides a “”living benefit”” if the insured is certified to be terminally ill. Benefits may be taxable under current tax law and receipt of benefits s. Benefit is payable to the policy owner. Please consult your tax adviser regarding the tax implications of benefits received under the Accelerated Benefit. This provision allows the insured to receive up to 50% of the death benefit of the contract, to a maximum of $1 million. Policy death benefit will be reduced by the amount of the accelerated benefit payable, plus one year’s interest.

1 For single-life permanent products. For Protection Term with Vitality PLUS the rider fee will be 3% of the policy’s modal premium. For Survivorship products the cost is $4/month. Not all policy types are available for upgrade.

2 For single life permanent products. For term products, the rider fee will be 3% of the policy’s modal premium. Not all policy types are available for upgrade.

Premium savings are in comparison to the same John Hancock life insurance policy without Vitality PLUS. The level of premium savings are cumulative over the life of the policy and will vary based upon underwriting status, issue age, policy type, the terms of the policy and the Vitality Status achieved.

Apple Watch program is not available in New York or Puerto Rico. Apple Watches ordered through John Hancock Vitality . Once you become a Vitality PLUS member and complete the Vitality Health Review (VHR), you can order Apple Watch 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 Standard Workouts (10,000 to 14,999 steps) and Advanced Workouts (15,000 steps) or the applicable Active Calorie thresholds. The step counts required for Standard and Advanced Workouts are reduced for members beginning at age 71+. One-time upgrade fees plus taxes apply if you choose (GPS + Cellular) versions of Apple Watch, larger watch case sizes, and certain bands and case materials. For more information, please visit . Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.

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