To start the conversation, find out how Aspire fits into your clients' lives
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.
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:
For permanent life insurance policies of less than $250,000 in coverage and term policies of less than $2 million in coverage:
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
Business building kit
Everything you need to get started
Consumer video: https://bcove.video/32FBSXM
New to John Hancock?
Or have questions?
888-266-7498 option 2
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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