1. Apple Watch program under the John Hancock Simple Term product 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 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 JohnHancock.com. Apple is not a participant in or sponsor of this promotion. Apple Watch 6 and Apple Watch SE require iPhone 6s or later with iOS 14 or later. Apple Watch is a registered trademark of Apple Inc. All rights reserved. 
2. Premium refunds for the John Hancock Simple Term product are based on factors like underwriting, the terms of the policy, and the level of the insured’s participation in the John Hancock Vitality program.  A representative can provide you additional information on policy costs, coverage amounts, potential premium refund amounts, and other coverage details, to help you determine if this policy is suitable for your needs.
3. HealthyFood savings are based on qualifying purchases and may vary based on the terms of the John Hancock Vitality Program.
4. The complimentary Amazon Halo device and three-year Halo membership are only available to new John Hancock Vitality PLUS Members and are not available with policies issued in New York, Puerto Rico and Guam. At the end of the complimentary Amazon Halo health and wellness membership, charges will apply automatically to the credit card on file with Amazon.com unless the membership is opted out of. Amazon Halo allows Vitality members to earn Vitality Points for physical activity, Halo Sleep and Halo Programs. The Amazon Halo health and wellness membership is required to earn Vitality Points for Halo Sleep and access the full catalog of Halo content. Other features of Halo are not eligible for Vitality Points with the Vitality Program. Amazon and all related marks are trademarks of Amazon.com, Inc. or its affiliates.

Term Life Insurance helps provide financial protection for a specific period of time. To help determine how much coverage is right for your needs, please speak with an insurance agent. After the duration of the term period, the John Hancock term policy becomes renewable, annually to age 95 with increasing premiums that will not exceed the maximum amount stated in the contract. The life insurance policy describes coverage under the policy, exclusions and limitations, what you must do to keep your policy in force, and what would cause your policy to be discontinued. Coverage is subject to policy provisions including suicide and incontestability clauses.

Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. The John Hancock Vitality Program allows members to earn rewards based on healthy activities. Vitality Program rewards and discounts are available only to the person insured under the eligible life insurance policy, are subject to change and are not guaranteed to remain the same for the life of the policy. Please talk to an agent for additional details.

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 Quility at 1-888-784-5489.

Insurance products issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116. Policy Form Series: ICC21 21LFTERMHE, 21LFTERMHE

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