According to the National Institute of Diabetes and Digestive and Kidney Diseases, about 10 percent of the population of the United States suffers from diabetes — more than 30 million people.

Dealing with a serious condition like diabetes inspires people to do everything they can to be there for their loved ones, leading to a renewed commitment to a healthy lifestyle. It can also prompt a desire to purchase life insurance — which can pose a challenge for people diagnosed with certain health issues.

Peace of mind

Life insurance can help provide for your family and cover final expenses so that your family doesn’t have to deal with an often surprisingly expensive burden. Most importantly, it offers something more precious than financial security: peace of mind. No matter what happens with your health, the knowledge that your family will be safe and financially secure is priceless.

Unfortunately for many people living with diabetes, life insurance was often thought to be out of reach. A 2017 survey commissioned by John Hancock reported that 45 percent of people diagnosed with diabetes simply assume life insurance is too expensive, and nearly 50 percent worry that they won’t even qualify because of their condition.1 That leads to many families dealing with unnecessary worry and anxiety on top of their health issues. In reality, with improvements in medicine and treatment options, more and more people can get the important coverage they need to protect their families. At John Hancock, more than 90 percent of people with diabetes who sought life insurance in the last 18 months qualified, with 88 percent of those receiving a standard rate, or better.

The John Hancock Vitality program

And now, thanks to a new kind of life insurance called John Hancock Vitality, people with diabetes can pay less for their premiums while earning rewards and discounts for taking simple everyday steps to maintain a healthy lifestyle.

“John Hancock is committed to helping all Americans understand that life insurance is both attainable and an important way to help protect their families,” said Brooks Tingle, senior vice president, marketing and strategy at John Hancock Insurance. “With the John Hancock Vitality Program, we are in a unique position to offer people living with diabetes a life insurance solution that provides financial protection while also rewarding them for taking steps to live healthy and manage their condition.”

Like anyone else, people dealing with diabetes want to be healthy, to live a long and enjoyable life while providing for their families. John Hancock Vitality life insurance supports a healthy lifestyle by rewarding people for things like eating well, having regular check-ups and staying active. Altogether, these types of healthy choices can result in annual premium savings of up to 15 percent. Policyholders can also save up to $600 a year on healthy food purchases2 and even earn an Apple Watch for an initial payment of $25 plus tax by exercising regularly3. There are also associated discounts from a range of national retailers (including Amazon, Royal Caribbean, Hyatt and Whole Foods), which can lead to even greater savings.

“The genius of the John Hancock Vitality program is that it offers people living with diabetes something that they rarely see — affirmation of their hard work, and recognition for good decisions that lead to better health. That recognition is a wonderful motivator, and, as a result, I believe this program will improve the health outcomes for those who participate,” said James Hirsch, American journalist and author of “Cheating Destiny: Living with Diabetes. ”

Everyone deserves some peace of mind. And with John Hancock Vitality life insurance, people living with diabetes can get just that — while also pursuing longer, healthier lives.

To learn more about life insurance for people living with diabetes, visit John Hancock today.

2. HealthyFood savings are based on qualifying purchases and may vary based on the terms of the John Hancock Vitality program.

3. You can order Apple Watch Series 3 (GPS) for an initial payment of $25 plus tax and over the next two years, monthly payments are based on the workouts completed. Upgrade fees apply if you choose Apple Watch Series 3 (GPS + Cellular), certain bands and case materials. A Retail Installment Agreement with the Vitality Group will need to be signed electronically at checkout. Apple Watch Series 3 (GPS) requires an iPhone 5s or later with iOS 11 or later. Apple Watch Series 3 (GPS + Cellular) requires an iPhone 6 or later with iOS 11 or later. Apple Watch Series 3 (GPS + Cellular) and iPhone service provider must be the same. Cellular is not available with all service providers. Roaming is not available outside your carrier network coverage area. Wireless service plan required for cellular service. Contact your service provider for more details. Check for participating wireless carriers and eligibility. Apple is not a participant in or sponsor of this promotion. iTunes and Apple Watch are registered trademarks of Apple Inc. All rights reserved. Apple Watch program is not available in New York.

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 only available to the person insured under the eligible life insurance policy. Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of the policy.

Premium savings are in comparison to the same John Hancock policy without the Vitality program. Annual premium savings will vary based upon policy type, the terms of the policy, and the level of the insured’s participation in the John Hancock Vitality program.

Insurance policies and/or associated riders and features may not be available in all states.
Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. MLINY103117217


[1]     This nationwide survey was conducted online by Qualtrics on behalf of John Hancock in 2017.