in premium savings2
Americans are diagnosed with diabetes every year3
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"I have struggled with overpaying for insurance when I live an active, healthy lifestyle and I am grateful that John Hancock has recognized this need and addressed it with modern solutions."
Michael Craig, Insurance Advisor, Catalyst Solutions Group — Type 1 Diabetes
Untapped market opportunity
John Hancock has the underwriting, product and medical expertise that’s needed to offer your clients the most competitive rates and help you expand into this market with a solution that offers your clients tremendous value.
Meeting the need
More than 30 million Americans have diabetes and only half of them have the life insurance coverage they need.4,5
Dispelling the myths
Many people living with diabetes believe they won't qualify for life insurance. In reality, at John Hancock, the vast majority of applicants living with diabetes are approved for coverage.6
Finding you opportunities
Through our relationships with Onduo and Vitality, we can help these clients better manage their condition while helping you grow your business.
John Hancock Aspire Webinar
Learn more about the first and only life insurance for people living with diabetes.
Tapping into this market represents a huge sales opportunity and we want to set you up for success. You’ll gain key insights, including:
Onduo offers a virtual diabetes program empowering people with type 2 diabetes to live well.
For qualified members, the program includes diabetes tools, coaching and clinical support to help your clients take control of their type 2 diabetes. Onduo supplements their current diabetes treatment plan and provides a boost of support between doctor's visits with up-to-date personal health information and answers to your clients' questions from a team of health coaches.7
Aspire members also receive John Hancock Vitality
A program that rewards your clients for the everyday steps they take to live a longer, healthier life. There are two great versions of the program to choose from, Vitality GO and Vitality PLUS. They offer different levels of benefits and rewards to match your clients’ goals and interests.
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Aspire is not available in New York, Washington and Idaho. Vitality GO is not available with policies issued in NY, WA & PR.
The tax treatment of certain aspects of the Aspire and Vitality Programs is uncertain. The value of some of the benefits your clients may receive in connection with these programs, such as gift cards and other cash equivalents, could be includible in their taxable income. John Hancock expects to report to the IRS only those benefits associated with these programs that it believes are taxable income, such as gift cards and other cash equivalents. Taxable benefits will be reported to the IRS by the company only if the value of such benefits received in a year is $600 or more. This material does not constitute tax or legal advice and neither John Hancock nor any of its agents, employees or registered representatives are in the business of offering such advice. Your clients should consult their own tax advisor.
Certain aspects of Aspire may change over time. There is no coordination between Aspire and any health benefits you may receive from an insurance policy, health plan, or any other wellness programs you may be enrolled in.
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, are subject to change and are not guaranteed to remain the same for the life of the policy.