Get started

We get it. Selling life insurance to people living with diabetes might be new. Or, you might be looking for new resources to help reach your clients. We're here to make the Aspire selling process as easy as possible.

 

Get started

We get it. Selling life insurance to people living with diabetes might be new. Or, you might be looking for new resources to help reach your clients. We're here to make the Aspire selling process as easy as possible.

To start the conversation, find out how Aspire fits into your clients' lives

Jesse Andrews, the cost-focused consumer

My medical costs are already outrageous because of my diabetes. Saving money is paramount for me.

Diabetes: Type 1

 

Income: $127k per year

Bio: A father of two, Jesse has $692k in a 401(k) and $215k in a Roth IRA. He is looking for protection to make sure his children can finish college if anything were to happen to him. He does not want to pay a high premium just because he’s living with type 1 diabetes.

 

Jesse eats well and exercises daily. He is most attracted to the ability to earn up to 25% off his premium as a reward for activities he’s already doing to manage his diabetes.1

Customer profile

Product: Protection UL

Face Amount: 1MM

Risk: 150% Non Smoker

A1C Levels:  <6.1%

The hypothetical profiles are provided for illustrative purposes only. Actual underwriting decisions are based on the facts and circumstances of the specific case.

Roger Miller, the support seeker

I don’t get to see my doctor very often but need to manage my condition every day. It would be great to have additional support. 

Diabetes: Type 2

 

Income: $91k per year.

Bio: Roger is having trouble managing his diabetes but understands the importance of keeping it in check. Married with two children, he wants to keep a life insurance policy through retirement. Has a $300k life insurance policy through work but knows he will need more coverage from a policy that will help meet his retirement goals.

Roger is most interested in the opportunity to engage with Onduo’s virtual diabetes program and its personalized health coaching. He is looking for day-to-day diabetes management support and access to someone, other than his doctor, to answer his questions. 

Customer profile

Product: Accumulation IUL

Face Amount: 1MM

Risk: Standard

A1C Levels:  <7.5%

The hypothetical profiles are provided for illustrative purposes only. Actual underwriting decisions are based on the facts and circumstances of the specific case.

Jean Sullivan, the wild card

You not only get discounts but you improve your quality of life at the same time.

Diabetes: Prediabetes, with a family history of type 2

 

Income: $120k per year

Bio: Jean knows she needs life insurance but has put it off for a few years. Given her current health status, she’s unsure of what to expect when it comes to the underwriting decision.

 

For Jean, the incentive to take control of her health and earn rewards is the most appealing program feature. Although Jean is not currently living with diabetes, she can participate in John Hancock Vitality and add Aspire to her life insurance policy at any time, should her condition change.

Customer profile

Product: Term 20yr

Face Amount: 2MM

Risk: Unknown

A1C Levels: Unknown

The hypothetical profiles are provided for illustrative purposes only. Actual underwriting decisions are based on the facts and circumstances of the specific case.

Jesse Andrews, the cost-focused consumer

My medical costs are already outrageous because of my diabetes. Saving money is paramount for me.

Diabetes: Type 1

Income: $127k per year

Bio: A father of two, Jesse has $692k in a 401(k) and $215k in a Roth IRA. He is looking for protection to make sure his children can finish college if anything were to happen to him. He does not want to pay a high premium just because he’s living with type 1 diabetes.

Jesse eats well and exercises daily. He is most attracted to the ability to earn up to 25% off his premium as a reward for activities he’s already doing to manage his diabetes.1

Customer profile

Product: Protection UL

Face Amount: 1MM

Risk: 150% Non Smoker

A1C Levels:  <6.1%

Roger Miller, the support seeker

I don’t get to see my doctor very often but need to manage my condition every day. It would be great to have additional support.

Diabetes:Type 2

Income: $91k per year.

Bio: Roger is having trouble managing his diabetes but understands the importance of keeping it in check. Married with two children, he wants to keep a life insurance policy through retirement. Has a $300k life insurance policy through work but knows he will need more coverage from a policy that will help meet his retirement goals. Roger is most interested in the opportunity to engage with Onduo’s virtual diabetes program and its personalized health coaching. He is looking for day-to-day diabetes management support and access to someone, other than his doctor, to answer his questions.

Customer profile

Product: Accumulation IUL

Face Amount: 1MM

Risk: Standard

A1C Levels: <7.5%

Jean Sullivan, the wild card

You not only get discounts but you improve your quality of life at the same time.

Diabetes: Prediabetes, with a family history of type 2

Income: $120k per year

Bio: Jean knows she needs life insurance but has put it off for a few years. Given her current health status, she’s unsure of what to expect when it comes to the underwriting decision.
For Jean, the incentive to take control of her health and earn rewards is the most appealing program feature. Although Jean is not currently living with diabetes, she can participate in John Hancock Vitality and add Aspire to her life insurance policy at any time, should her condition change.

Customer profile

Product: Term 20yr

Face Amount: 2MM

Risk: Unknown

A1C Levels: Unknown

The hypothetical profiles are provided for illustrative purposes only. Actual underwriting decisions are based on the facts and circumstances of the specific case.

Here are a few points to help get the Aspire conversation started with a prospective client:

Aspire is a unique solution for customers living with diabetes and is available on all John Hancock insurance products. Aspire comes with John Hancock Vitality and gives customers a personalized pathway to save up to 25% off their premiums1, access to Onduo for qualified members, and customized tools and incentives to lead a longer, healthier life.

COVERAGE

It is a myth that people living with diabetes cannot get approved for life insurance. In fact, at John Hancock, the majority of applicants living with diabetes are approved.2

VALUE

By offering rewards, including up to 25% in premium savings with Vitality PLUS, Aspire offers tremendous value to your clients living with diabetes.

ACCESS

For qualified customers, Aspire offers a state-of-the-art diabetes management program that includes personalized resources and support to help your clients.

We’ve compiled a Business Building Kit to help you make the most of this exciting sales opportunity. Here are some suggested steps to help you start conversations about Aspire and expand your network. Use the tools in the kit to help along the way.

  • Augment or provide additional coverage and premium savings potential for your existing customers with diabetes with John Hancock Aspire.
  • Be at the center of the health and wealth conversation using social media and email assets we've created for you
  • Connect with health and medical professionals in the diabetes space to increase your network and value proposition
  • Get involved in local diabetes charities and events

Members with term life insurance policies with less than $500,000 in coverage are not eligible for the Onduo membership. For people with type 2 diabetes who are eligible for Onduo membership, John Hancock will pay for the membership for the first year.

In year 2 of your Onduo membership and after:

For permanent life insurance policies of $250,000 or more in coverage and term policies of $2 million or more in coverage:

  • John Hancock will pay for your client’s Onduo membership if they earn at least 900 points engaging with Onduo per year.
  • If your client does not earn at least 900 engagement points per year, they will have the option to pay for the membership themselves. Onduo will determine the type and cost of membership. Costs typically range from $250-$750 and are subject to change.

For permanent life insurance policies of less than $250,000 in coverage and term policies of less than $2 million in coverage:

  • John Hancock will not pay for the cost of your client’s Onduo membership after year 1. Your client will have the option to pay for the membership themselves. Onduo will determine the type and cost of membership. Costs typically range from $250-$750 and are subject to change.

Onduo’s list of disqualifying conditions include: pregnancy, liver failure, end-stage renal disease (stage 4 or 5), congestive heart failure (grade C or D), organ transplant or bone marrow transplant, cystic fibrosis, malignant neoplasm (diagnosis or treatment), and any other condition or situation that, in the opinion of the Onduo team, makes the participant inappropriate for participation in the program.

Once a policy is signed, we can take it from here. Our Vitality Personal Consultants (VPCs) can onboard your client and get their Aspire memberships up and running.

 

If a client reaches out with questions about their policy you can direct them to Vitality Customer Support.

 

As always, reach out to your John Hancock representative or National Sales Support with any questions.

 

If your client has a question related to Onduo, they can contact their Care Lead.

National Sales Support
888-266-7498 option 2

Sales tools

Documents to help you sell

Producer video: https://bcove.video/2NMG4AP

New to John Hancock?

Or have questions?

888-266-7498 option 2

  1.  Premium savings are in comparison to the same John Hancock life insurance policy without Vitality PLUS. The level of premium savings over the life of the policy will vary based upon underwriting status, issue age, policy type, the terms of the policy and the Vitality Status achieved. Premiums savings are only available with Vitality PLUS.
  2. In 2018, 88% of applicants with type 2 diabetes were approved for coverage by John Hancock; 75% of people with type 2 diabetes and other commonly related conditions were approved for coverage. 66% of people with type 1 or type 2 diabetes and other related conditions were approved for coverage.

The benefits available under Aspire can vary depending on whether the insured has Type 1 or Type 2 diabetes, the type and coverage amount of the life insurance policy purchased and the level of Onduo engagement with the John Hancock Vitality Program. Eligibility for an Onduo membership is also subject to Onduo’s qualification requirements. Certain aspects of Aspire may change over time. There is no coordination between Aspire and any health benefits you may receive from an insurance policy, health plan, or any other wellness programs you may be enrolled in.

Aspire is not available in New York, Idaho and Puerto Rico.

Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. John Hancock Vitality Program rewards and discounts are available only to the person insured under the eligible life insurance policy, are subject to change and are not guaranteed to remain the same for the life of the policy.

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