John Hancock Vitality

A New Type of Life Insurance

Life Insurance That Pays You back

Apple Watch

Get a free Fitbit, or get an Apple Watch Series 4 for $25 plus tax when you enroll in Vitality! 15% premium discounts, Amazon gift cards, cruise and hotel savings, and more!

Carilion Employees

If you are already excelling with your Virgin Pulse, you can “double up” on your benefits with no extra effort! Add to your Virgin Pulse haul with the Vitality Rewards

Live Longer with Vitality!

One Program. Two great options.

Your new policy comes with two distinct options that can support your healthy, financially fit lifestyle! Read on for comparison of the two programs!

Get the protection you need for your family's financial future

Save on the cost of your coverage

Earn rewards for the everyday things you do to stay healthy

Live Healthy

Keep your activity level up

Get Rewarded

Get rewarded with Vitality points

Save Money

Get discounts on your policy and more!

What is Vitality?

Vitality is a program that helps you live a longer, healthier life, and it is combined with a life insurance policy from John Hancock. Vitality rewards you for healthy living. It’s available in multiple different products and has different feature sets depending on what you are looking for. 

What are Vitality Points?

Vitality Points are awarded to you after you complete educational, fitness, healthy living and/or preventive activities toward the achievement of your wellness goals. Different activities are worth more points than others. For example, you will earn 10 Vitality Points for completing a single workout at one of our partner health clubs. Your completion of an organized 5K walk or run is worth 250 Vitality Points. Your accumulated Vitality Points determine your Vitality Status. In addition, they can be redeemed for Vitality Bucks that you can use to “purchase” significantly reduced merchandise in the Vitality Mall.

Who is Vitality?

To help in your pursuit of a longer, healthier life, John Hancock has partnered with Vitality, the global leader in integrating wellness benefits with life insurance products. Vitality has an established track-record of creating interactive, personalized programs. Millions of members worldwide use their online tools to identify and track their health and lifestyle goals.

How does the program work?

Get started: Once your policy is issued, you can begin the program by logging onto the member website and completing the online Vitality Health Review. Soon after, you’ll receive a free Fitbit, along with customized information on your lifestyle relative to your age, individual health goals, and tips on how to achieve them.
Earn points: You can earn Vitality Points for the everyday things you do to stay healthy, like exercising, getting annual health screenings, and staying tobacco-free. Simply record your activities using our easy online tools and mobile app. You’ll then earn a Vitality Status (Bronze, Silver, Gold, or Platinum) based on the number of points you accumulate each year.
Enjoy rewards: On your policy anniversary, you can earn premium savings that reflect the status level you’ve achieved. And those savings can continue year after year when you lead a healthy lifestyle.

How do I get my Fitbit or Apple Watch?

Fitbit: Once you register for the program and complete the online Vitality Health Review, you can seleect your Fitbit and they will ship to you directly. 

Apple Watch: 

  • Order your Apple Watch for an initial payment of $25.
  • Walk, run, bike, swim or do any number of exercises you enjoy and earn Vitality Points that go toward your monthly watch payments.
  • The more Vitality Points you earn, the less you’ll pay each month (see chart below). Earn 500 fitness-related Vitality Points per month over two years and you’ll pay no additional charges.

How do the cruise rewards work?

You can save 20-50%, based on your Vitality Status, on Royal Caribbean International, Celebrity Cruises, Crystal Cruises, Yachts of Seabourn, and Azamara Club Cruises. There is an  annual cap of 8 nights and a lifetime cap of 50 nights. Status discounts are as follows: Bronze, 20%; Silver, 30%; Gold, 40%; and Platinum, 50%

How can Carilion employees benefit?

Simple! You keep doing the same thing you are doing to meet your goals with Virgin Pulse and you can rack up the Vitality points! You can even use your $25 Apple Watch on the Virgin Pulse platform!

About Us

Premier Life Strategies is a full service life insurance agency that was  created in order to cultivate closer relationships with both our advisors and our own clients. Our agency believes fiercely in our independence, which is why we have more than 20 carriers that we work with. Working with multiple carriers enables us to guarantee you the best underwriting and product options available. We don’t owe anything to any of our carriers which means we have zero bias when it comes to selection the best option for you.

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Term Life Insurance

Term life insurance may be more affordable than you think! With rates for as low as $10 a month, get your quote today.

Find Your Way. Achieve Your Goals. Challenge Yourself. Enjoy your reward.

John Hancock clients have earned more than $1.9 million in rewards! Set an appointment with us to review your personal goals, or request a quote below and we will be in touch shortly with customized options just for you! The program’s current policyholders average over 9,000 steps a day, compared to 5,000 for the average American! Get your start today!

Get your quote today and continue your healthy journey!



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* For permanent products. For term products, the rider fee will be 3% of the policy’s modal premium. Premier Life Strategies, via Barry Wirt, Jr., is appointed to sell life insurance products issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York). Vitality is the provider of the John Hancock Vitality Program in connection with life insurance policies issued by John Hancock. Our agency can provide information about product availability, costs, and complete details on coverage. Product availability, features, benefits and costs may vary by state. The life insurance policy describes coverage under the policy, exclusions and limitations, what you must do to keep your policy in force, and what would cause your policy to be discontinued. Please ask us how premium savings may affect the policy you purchase. 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. Vitality HealthyFood savings are based on qualifying purchases and may vary based on the terms of the John Hancock Vitality Program. You can order Apple Watch Series 3 (GPS) by electronically signing, at checkout, a Retail Installment Agreement with the Vitality Group, for the retail price of the watch. After an initial payment of $25 plus tax, over the next two years, monthly out-of- pocket payments are based on the number of workouts completed. Upgrade fees apply if you choose Apple Watch Series 3 (GPS + Cellular), certain bands and case materials. 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 www.apple.com/watch/cellular for participating wireless carriers and eligibility. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved. Insurance policies and/or associated riders many not be available in all states. Some riders may have additional fees and expenses associated with them. Rewards may vary based on the type of insurance policy purchased for the insured (Vitality program member), the ownership, and the inforce status of the insurance policy, and the state where the insurance policy was issued.