Simple Term one-minute overview video
Underwriting Guide
NEW! Updated Underwriting Guide
Use this newly updated guide to navigate our underwriting guidelines and help identify who may qualify for Simple Term with Vitality.
Instant-decision Term product
- 5-10 minute digital application process
- Term protection up to $500,000
- Rewards through John Hancock's Vitality PLUS
Return of Premium rider
- Providing a refund of up to 100% of premiums
- Offering coverage up to $500,000
- Available on 25- and 30-year durations
- Giving eligible clients a cash-back benefit should they exit their policy prior to the end of the level-term period
Why John Hancock?
Helps clients live a longer, healthier life
A new kind of life insurance that offers your clients rewards for living healthy.
Differentiates you in the marketplace
Offering your clients competitive and innovative product designs and riders.
Offers brand recognition & financial strength
John Hancock is a household name that clients associate with trust and security.
Ready to get started?
1. Policy issuance is not guaranteed as any life insurance purchase is subject to completion of an application and underwriting approval. John Hancock may conduct a post-issue quality review to verify information received within the application is accurate. A contract may be rescinded if post-issue information reveals a material misrepresentation.
2. The Return of Premium (ROP) rider allows for a return of a portion of the premiums at the end of the level term period or earlier if the policy is terminated prior to that point. The ROP benefit will begin as early as the second policy anniversary and the percentage of premiums available to be returned increases gradually over the term duration to a maximum of 100% at the end of the level term period. The ROP Rider is only available for term durations 25 and 30 and only for Standard or Preferred Non-Tobacco risk classes. There is an additional cost for this rider.
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© 2025 John Hancock Life Insurance Company (USA). All rights reserved.
FOR AGENT USE ONLY. THIS MATERIAL MAY NOT BE USED WITH THE PUBLIC. INSURANCE POLICIES AND/OR ASSOCIATED RIDERS AND FEATURES MAY NOT BE AVAILABLE IN ALL STATES.
Some riders may have additional fees and expenses associated with them.
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 JohnHancockInsurance.com or via telephone at 888-333-2659.
Premium refunds for Simple Term with Vitality is based on factors like underwriting, the terms of the policy, and the level of the insured's participation in the John Hancock Vitality Program.
Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of the policy.
Travel discounts are valid for 1 booking per program year. The amount of discount will vary based upon the Vitality Member’s Vitality status (Bronze, Silver, Gold, Platinum) and will only apply to the first $1,000 of the booking cost.
Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock.
John Hancock Vitality Program rewards and discounts are available only to the person insured under the eligible life insurance policy.
HealthyFood savings are based on qualifying purchases and may vary based on the terms of the John Hancock Vitality Program The HealthyFood program is currently not available in Guam.
Apple Watch program is not available in New York or Puerto Rico. Apple Watches ordered through John Hancock Vitality may not be shipped to addresses in Guam. 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 or heart rate 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 JohnHancockInsurance.com. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.
Insurance products issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116.