Why Pay Full Price When You Live an Active Life?
With John Hancock Vitality and Policy Engineer, your everyday healthy choices turn into real financial savings—including lower premiums, tech discounts, and everyday rewards.
- Save up to 15% or more on your annual premiums
- Earn Apple Watch, Amazon, or Starbucks rewards for daily steps
- Free health tracking integration with Apple Health, Fitbit & Garmin
“Hi, I’m Alfred! Traditional life insurance stays static, but Vitality actively rewards you. If you already walk, jog, cycle, or visit the gym, you’re leaving money on the table without it!”
How John Hancock Vitality Works
Three simple steps to protect your family while earning rewards every single day.
Get Covered
Choose the term or permanent coverage amount that fits your financial goals using our instant quoter above.
Track Everyday Activity
Sync your smartwatch or wearable app. Earn points for steps, workouts, health checkups, and flu shots.
Unlock Premium Savings
As your Vitality status levels up (Bronze to Platinum), your policy premiums drop and your gift card perks grow.
Rewards You’ll Actually Use
Earn points for basic healthy habits and redeem them for top-tier lifestyle brands:
Earn Apple Watch for as little as $25 plus tax, or discounts on Fitbit and Garmin fitness trackers.
Redeem points for Amazon, Target, Starbucks, and REI gift cards throughout the policy year.
Save up to $600 per year on healthy grocery purchases at participating supermarket chains.
Receive up to 50% off hotel stays at Hyatt and discounts on major travel booking platforms.
What Policy Engineer Clients Say
Read real experiences from people who secured their coverage with us.
John Hancock Vitality program rewards and premium discounts vary based on policy type, coverage amount, and participation level. Policy Engineer is an independent insurance broker. CA License 0J01542 / 6001346.