You never know what is on the horizon but you can be prepared

NEW: John Hancock SmartProtect Term with Vitality

NEW SmartProtect™ Term with Vitality — competitive premiums and a streamlined underwriting decision in as few as 2 days*!

  • Quick, streamlined application (NB5213) and underwriting – No labs, paramed, or telephone interview!
  • Highly competitive premiums for 10, 15, and 20-year durations
  • Three underwriting classes:  Super Elite, Elite, and Tobacco
  • Maximum face amount of $1,000,000; Ages 20-60
  • John Hancock Vitality Program benefits
  • Premiums adjust annually based on engagement – decreasing premiums for Gold and Platinum members.
  • Available to illustrate on JH Illustrator software or


SmartProtect Term with Vitality is approved in roughly 30 states.  Here is the list:

AZ, AR, CA, CO, DC, DE, FL, GA, ID, IL, IN, IA, KY, ME, MI, MS, NE, NV, OR, PA, RI, SC, SD, TN, TX, UT, VT, WV, WI, and WY.


SmartProtect Term with Vitality is also approved in the following National Accounts:



Raymond James


Wells Fargo