FOR AGENT USE ONLY. THIS MATERIAL MAY NOT BE USED WITH THE PUBLIC. 

Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. 

The LifeCare Long-Term Care rider and the LifeCare Long-Term Care Inflation rider accelerate the death benefit for approved long term care expenses and, depending on the benefit period selected, may also offer an extension of long-term care benefits after the death benefit has been fully accelerated. When the death benefit is accelerated for long-term care expenses, it is reduced dollar for dollar, and the cash value is reduced proportionately. The riders have a maximum monthly benefit amount and are subject to underwriting. There are additional fixed premiums associated with these riders. The riders have exclusions and limitations, reductions of benefits, and terms under which it may be continued in force or discontinued. Consult the state specific Outline of Coverage for additional details.
The Galleri test is only available to registered John Hancock Vitality PLUS members who are 40 years of age or older and have completed the initial Vitality Health Review (VHR). For eligible polices with Face Amounts of $500,000 or greater in life insurance coverage, 100% of the cost of the test will be subsidized. For policies with Face Amounts less than $500,000 in life insurance coverage, 50% of the cost of the test will be subsidized. Test eligibility is also subject to Grail’s clinically informed criteria, as well as additional cancer risk factors for those ages 40-49. Please note: for members with multiple policies, the policy with the highest Face Amount in life insurance coverage will determine the subsidy amount of the Galleri offer. The offer of discounted access to the Galleri test is subject to change. Access to the Galleri test through the John Hancock Vitality Program is not currently available in all states. The Galleri test is manufactured and distributed by GRAIL,LLC. John Hancock does not provide medical advice, is not involved in the design or manufacture of the Galleri test and is not responsible for the accuracy or performance of the Galleri test.
Access to special pricing for the Function Health membership is only available to registered John Hancock Vitality PLUS members who have completed the Vitality Health Review (VHR) for the current program year. Access to special pricing is only applicable to the first year membership fee. The access to special pricing towards the Function Health membership is subject to change. Access to special pricing through the John Hancock Vitality Program is not currently available in all states. John Hancock is not an affiliate of Function Health. The lab testing services available via Function Health are administered by third party lab services providers. John Hancock does not provide medical advice or guidance on further diagnostic testing or treatment following the receipt of lab results via Function Health, is not involved in the services provided by Function Health and is not responsible for the accuracy or performance of such services.

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. MLINY021425035-1