Contact us now

JH Smart Protection Term


John Hancock’s SmartProtect Term with Vitality

The term “perfect storm” will cause most to think about a confluence of extremely challenging events that are greater than the sum of their parts. Fortunately, John Hancock’s launch of SmartProtect Term with Vitality represents a perfect storm of a different sort. When combined with the newly updated Term with Vitality pricing, clients have a broad spectrum of “pure protection” products to choose from and an easier than ever underwriting process for those who value their time over saving a few dollars. Read on for the details.

  • Quick streamlined underwriting decision in 2 days
  • No medical screenings, tests or telephone interviews
  • Highly competitive premiums for 10, 15 or 20-year durations
  • Face Amounts ranging from $100,000 – $1,000,000
  • John Hancock Vitality Program, which provides:
    • The opportunity to reduce premiums even further by living a healthy life
    • A Vitality HealthyFood benefit t with up to $600 in annual savings on healthy food purchases — at thousands of stores nationwide
    • A free Fitbit® device to track progress toward a healthy lifestyle
    • Entertainment and shopping rewards


SmartProtect Term with Vitality Underwriting:

SmartProtect Term uses a new, streamlined underwriting process that eliminates the need for an exam, fluids and medical records for healthy clients who meet program qualifications:

  • Ages 20 to 60
  • In good health, and
  • A permanent resident of the U.S.
  • Meets all other program requirements as outlined here
This simple, three step process can result in approvals in as little as 2 business days! For more on the SmartProtect underwriting process, please see the following:


Illustrations are currently available in John Hancock Illustrator ONLY. Illustrative capability on WinFlex Web and other quote engines is expected in the coming weeks.

Additional Details:

John Hancock Releases Updated Term with Vitality Pricing
In concert with the release of SmartProtect Term with Vitality comes an update to the existing Term with Vitality product, adopting the 2016 pricing with the addition of the Vitality program. This change includes both price decreases and increases.

Term with Vitality Transition Rules:

May 27, 2016

The current John Hancock Term with Vitality (‘15) product will no longer be offered
in states that have approved the new John Hancock Term with Vitality (‘16) product. However, in order to provide a transition period in approved states, John Hancock Term with Vitality (‘15) applications will be accepted through May 27, 2016.

June 24, 2016

All John Hancock Term with Vitality (‘15) pending applications must complete the formal underwriting process, and all administrative requirements to issue the policy must be received by John Hancock by June 24, 2016.

Should you already have an application in New Business and wish to have a John Hancock Term with Vitality (‘16) policy underwritten, please contact your Case Manager. Please see the formal communication from John Hancock for additional details.