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.

Horrible product, horrible service. My (ex) financial advisor sold me an annuity, claiming it was an investment. It seemed very complicated but I trusted him. After we parted ways, I looked into it, and found that this really profited the company (and probably him). It is worth less than when I bought it, after many years, and they take their cut no matter what. The company denies any responsibility. To make matters worse, the customer service is bad. I had to call many times to find out what was going on. Today, for some reason the website did not work (I was just trying to get their phone number). I had to call their tech support who could not explain it, so had to get a new password. Then I called, was verified, was finally transferred to an agent who wanted to verify me yet again (3rd time today, 2nd time in that call). I hung up in disgust.

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.

I’ve had so many issues trying to update payment I’ve had so many issues trying to update my payment method. Was told ppl would get back to me. One time acct was drafted when it wasn’t supposed to be. Incurred a $50 overdraft fee that was supposed to be sent to me by John Hancock. Never got it. All around bad experience.

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