Life insurance with Rewards I've owned a few life insurance policies, but I've never had one with benefits like the Vitality program. It's been a great deal and lots more fun to get rewards rather than only getting bills in the mail from my life insurance. It also gives me an incentive to take walks, exercise every once in a while, and wear my apple watch to record activity.Life insurance with Rewards

FIX YOUR BILLING SYSTEM, JHV The whole concept of the Vitality program is great - receive an Apple Watch and received discounts for activity. This portion of the plan works well and is the reason for giving 2 stars. However, the billing for JHV is a complete and utter joke. Zero stars for this. Negative stars if I could. One, there's no way to change the checking account. You're stuck with the one you sign up with. Two, there is no online billing portal that works. There's a big, fat 401 error on the page. Three, the "automated" billing line doesn't work well. You can make a payment. One single payment. No options to set up bill pay, no option to pay by mail, Nada. Zilch. This is inexcusable for a company in 2019. The response from JHV is "oh, we'll have our new billing up and running in one week." Cool story, guys, that's been the line you've been saying for one year. Fix the problem and get with the program. This is really poor customer service.

This company is dishonest and… This company is dishonest and incompetent. They will not actually pay out the loyalty cash back and will tell a wide variety of lies to try to get you off the phone if you call in to inquire. They also block premium payments to try and drop policy holders they no longer wish to cover.

Terrible-do not purchase insurance if… Terrible-do not purchase insurance if you can help it. I went on the vitality program when I purchased insurance because they were offering a "free" Apple watch. Well, I'm a year into it and all the steps/activities I do during the day to get my Vitality points in are not being counted towards my free payment. So I've been getting charged for the watch when I shouldn't. Have reached out multiple times to get help from John Hancock and it's like nobody ever works there, you can't get one person on the phone to get an answer once you're a customer. SCAM-do not sign up with them!

Faulty app I think if you have the app open to time your workout and it comes time to submit and you gets “oops something went wrong “ . There should be some way for this vitality app to still have the information that the work out took place at the gym location and time. Having to mow provide proof of work out because of faulty app is annoying. It happens too often. Defeat the purpose of using the app.