EX-99.26(D)(7) 2 d316640dex9926d7.htm SPECIMEN HEALTHY ENGAGEMENT RIDER Specimen Healthy Engagement Rider
LOGO   

John Hancock Life Insurance Company of New York

A Stock Company

 

 

SUPPLEMENTARY BENEFIT

Healthy Engagement Rider

 

This rider is made a part of your policy to which it is attached and is effective on the date we attach it to your policy. The Rider Charge is the fee payable for this rider. The Effective Date of the rider and the Rider Charge are shown in the Policy Specifications.

Beginning on the first Policy Anniversary following the Effective Date, this rider provides the opportunity to add a Rider Credit to your Policy Value based upon the Status of the Life Insured. Any Rider Credit added to your Policy Value will be applied as described in the applicable Effect of Rider on your policy provision described below in this rider.

Capitalized terms throughout this rider are either defined in your policy or relate to fields in the Policy Specifications. See the Definitions section of your policy for details.

 

 

STATUS

 

The Status of the Life Insured on each Annual Processing Date determines the Rider Credit to be applied to your Policy Value, as described in the Policy Specifications and the Rider Credit provision of this rider.

There are four levels of Status under this rider. The achievement of a Status beyond the first level is dependent upon the Life Insured meeting certain Status Qualification Requirements in each year.

Status Qualification Requirements

The Status Qualification Requirements are the criteria used as the basis for determining the Status of the Life Insured. The Status Qualification Requirements are shown in the Policy Specifications.

We reserve the right to amend the Status Qualification Requirements from time to time only in accordance with the Administration of this Rider provision. The Life Insured can obtain current information relating to his or her Status and/or the Status Qualification Requirements by visiting [http://www.JohnHancockVitality.com/] or by contacting our Service Office at [1-888-267-7781].

 

 

RIDER CREDIT

 

On each Processing Date beginning on the first Policy Anniversary following this rider’s Effective Date, we will apply any Rider Credit to your Policy Value.

Calculation of Rider Credit

The Rider Credit is equal to the Rider Benefit Factor, described below, multiplied by the lesser of (a) and (b), where:

 

  (a) is the Rider Credit Limit described below; and

 

  (b) is an amount equal to (i) multiplied by (ii) where:

 

  (i) is the Cost of Insurance Charge for that Processing Date;

 

  (ii) is the Rider Credit Multiplier for that Policy Year, as shown in the Policy Specifications.

On each Annual Processing Date, we determine the Rider Credit Multiplier to be applied in the current Policy Year as the sum of all Rider Credit Factors earned in the current and subsequent Policy Years. The schedule of Rider Credit Factors that will be applied in the current and subsequent Policy Years are determined on each Annual Processing Date, based on the Status of the Life Insured as of that date.

 

16HER    1    NY

 

RIDER CREDIT (continued)

 

The Rider Benefit Factor equals the lesser of (a) and (b), where:

 

  (a) is 1; and

 

  (b) is the Rider Benefit Base shown in the Policy Specifications divided by the Total Death Benefit, described below.

The Total Death Benefit equals the Insurance Benefit as described in your policy plus any outstanding Policy Debt.

The Rider Credit Limit in any given Policy Month equals (a) multiplied by (b), where:

 

  (a) is the Rider Credit Limit Multiplier shown in the Policy Specifications multiplied by the Net Amount at Risk; and

 

  (b) is the Maximum Monthly Cost of Insurance Rate shown in the Policy Specifications minus the current monthly Cost of Insurance Rate.

In the event that the current Cost of Insurance Rates ever equal the corresponding Maximum Monthly Cost of Insurance Rates for a given month, the Rider Credit Limit and resulting Rider Credit will equal zero on that Processing Date.

 

 

EFFECT OF RIDER ON FLEXIBLE PREMIUM UNIVERSAL LIFE INSURANCE POLICIES

 

Policy Value

While this rider is in effect, your Policy Value will be calculated in the same manner as described in your policy except that we will add any Rider Credit to your Policy Value, as described below, at the same time that Monthly Deductions are taken. In addition, the Policy Value used in the determination of the Net Amount at Risk does not include any Rider Credit applied on the Processing Date.

The Rider Credit for a month in which the policy is in default (as described in the Grace Period provision of your policy) will be applied first to pay any Monthly Deductions that are past due and unpaid and next to reduce the Default Payment; any Rider Credit that remains will be applied to your Guaranteed Interest Account. The same process will apply for any month in which the policy is being continued In Force under its Early Lapse Protection, No-Lapse Guarantee, or Death Benefit Protection provision, as applicable under your policy, except that there is no Default Payment to be reduced.

Rider Credits are not applied to amounts in the Loan Account.

Early Lapse Protection, No-Lapse Guarantee, or Death Benefit Protection Value

Rider Credits and the Rider Charge do not apply to the Cumulative Premium Test under the Early Lapse Protection or No-Lapse Guarantee feature, or to the calculation of the Death Benefit Protection Value, as applicable under your policy.

Policy Credit Measure (if applicable)

If your policy contains a Policy Credit provision, the following will apply:

While this rider is in effect, we will add a Policy Credit Measure Rider Credit to the Policy Credit Measure.

The Policy Credit Measure Rider Credit is determined in the same manner as the Rider Credit described above except that:

 

  (a) the Cost of Insurance Charge is calculated using the Policy Credit Measure Cost of Insurance Rates;

 

  (b) the current and Maximum Monthly Cost of Insurance Rates are replaced by the current and Maximum Monthly Policy Credit Measure Cost of Insurance Rates, respectively; and

 

  (c) the Net Amount at Risk used in the calculation is replaced by the Policy Credit Measure Net Amount at Risk.

In addition, the Policy Credit Measure used in the determination of the Policy Credit Measure Net Amount at Risk does not include any Policy Credit Measure Rider Credit applied on the Processing Date.

 

16HER    2    NY

 

EFFECT OF RIDER ON FLEXIBLE PREMIUM INDEXED UNIVERSAL LIFE INSURANCE POLICIES

 

Policy Value

While this rider is in effect, your Policy Value will be calculated in the same manner as described in your policy except that we will add any Rider Credit to your Policy Value, as described below, at the same time that Monthly Deductions are taken. In addition, the Policy Value used in the determination of the Net Amount at Risk does not include any Rider Credit applied on the Processing Date.

The Rider Credit is applied to the Guaranteed Interest Account and each Indexed Account in the same proportion that the Policy Value in each of the accounts bear to the total Policy Value net of the Loan Account immediately prior to applying any Rider Credit.

For the portion of the Rider Credit that is applied to an Indexed Account, we will apply that portion of the Rider Credit to each Segment of that Indexed Account and to the Holding Segment in the same proportion that the Segment Balance and the amount in the Holding Segment bear to the total portion of the Policy Value in the Indexed Account immediately prior to applying any Rider Credit.

The Rider Credit for a month in which the policy is in default (as described in the Grace Period provision of your policy) will be applied first to pay any Monthly Deductions that are past due and unpaid and next to reduce the Default Payment; any Rider Credit that remains will be applied to your Policy Value in accordance with the Net Premium allocation instructions then in effect. The same process will apply for any month in which the policy is being continued In Force under the Early Lapse Protection, No-Lapse Guarantee, or Death Benefit Protection provision, as applicable under your policy, except that there is no Default Payment to be reduced.

Rider Credits are not applied to amounts in the Loan Account.

Adjusted Segment Crediting Balance

While this rider is in effect, your Adjusted Segment Crediting Balance will be calculated in the same manner as described in your policy except we will include any Rider Credit in the calculation. For purposes of this calculation, each Rider Credit is first multiplied by the ratio of the number of months remaining in the Segment Term after the date the Rider Credit is applied, divided by the number of months in the entire Segment Term.

Initial Segment Balance

The Initial Segment Balance includes any Rider Credits applied to a Holding Segment after the Lock In Date.

Segment Balance

The Segment Balance at any time includes any Rider Credits applied to it.

Early Lapse Protection, No-Lapse Guarantee, or Death Benefit Protection Value

Rider Credits and the Rider Charge do not apply to the Cumulative Premium Test under the Early Lapse Protection or No-Lapse Guarantee feature, or to the calculation of the Death Benefit Protection Value, as applicable under your policy.

Cumulative Guarantee

The Cumulative Guarantee provision of your policy describes an alternative method of calculating the Policy Value. Under this method, Rider Credits and Rider Charges are included in the calculation of the Policy Value. Rider Credits will be calculated in the same manner as described in the Rider Credit provision of this rider except that the Cost of Insurance Charge and the Net Amount at Risk are replaced with the Cost of Insurance Charge and the Net Amount at Risk used in the alternative method. The Rider Credits will be applied to the Policy Value under the Cumulative Guarantee at the same time that Monthly Deductions are taken.

 

16HER    3    NY

 

EFFECT OF RIDER ON FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE POLICIES

 

Policy Value

While this rider is in effect, your Policy Value will be calculated in the same manner as described in your policy except that we will add any Rider Credit to your Policy Value, as described below, at the same time that Monthly Deductions are taken. In addition, the Policy Value used in the determination of the Net Amount at Risk does not include any Rider Credit applied on the Processing Date.

The Rider Credit is applied to the Fixed Account and/or each Investment Account in the same proportion that the Monthly Deductions are taken from those same accounts.

The Rider Credit for a month in which the policy is in default (as described in the Grace Period provision of your policy) will be applied first to pay any Monthly Deductions that are past due and unpaid and next to reduce the Default Payment; any Rider Credit that remains will be applied to your Policy Value in accordance with the allocation instructions then in effect for premium payments. The same process will apply for any month in which the policy is being continued In Force under its Early Lapse Protection, No-Lapse Guarantee, or Death Benefit Protection provision, as applicable under your policy, except that there is no Default Payment to be reduced.

Rider Credits are not applied to amounts in the Loan Account.

Early Lapse Protection, No-Lapse Guarantee or Death Benefit Protection Value

Rider Credits and the Rider Charge do not apply to the Cumulative Premium Test under the Early Lapse Protection or No-Lapse Guarantee feature, or to the calculation of the Death Benefit Protection Value, as applicable under your policy.

 

 

GENERAL PROVISIONS

 

The Contract

This rider, along with the written application for the policy and this rider, is attached to and made part of your policy and constitutes the entire contract between you and us. Should any provisions in the policy conflict with this rider, the provisions of this rider will prevail.

Administration of this Rider

The Status Qualification Requirements may be administered directly by us or through an affiliated or unaffiliated company designated by us. We reserve the right to designate or replace any such company at any time. You will receive notice from us if an affiliated or unaffiliated company administers the Status Qualification Requirements or if there is a change in such entity administering the Status Qualification Requirements.

We may amend the Status Qualification Requirements from time to time but not more frequently than once in any 12-month period except with the prior consent of the New York State Department of Financial Services. Any amendments will be based on our reasonable and actuarially-justified expectations of the impact such requirements may have upon future mortality, persistency, investment income, and expenses under the policy. Such amendments could affect the Life Insured’s ability to achieve a Status level. Any change to the Status Qualification Requirements will be determined prospectively on a basis equitable to all Life Insureds of a given class. The Life Insured can obtain current information relating to his or her Status and/or the Status Qualification Requirements by visiting [http://www.JohnHancockVitality.com/] or by contacting our Service Office at [1-888-267-7781].

 

16HER    4    NY

 

GENERAL PROVISIONS (continued)

 

In addition, we or an affiliated or unaffiliated company designated by us will offer incentives to the Life Insured designed to encourage engagement activities that help meet the Status Qualification Requirements. Certain incentives may not be available to the Life Insured after the Rider Charge ceases, as shown in the Policy Specifications. We reserve the right to amend the incentives from time to time to add an incentive or to replace or change an existing incentive if the replacement or change is at least as favorable as the existing incentive. Any other changes to the incentives will not occur more frequently than once in any 12-month period except with the prior consent of the New York State Department of Financial Services. The Life Insured can obtain current information relating to the incentives by visiting [http://www.johnhancockvitality.com/] or by contacting our Service Office at [1-888-267-7781].

There may be costs to the Life Insured associated with fulfilling a Status Qualification Requirement that may not be reimbursed by the Company. Examples of such costs include, but are not limited to, health coverage co-pays, health club fees, athletic event registration fees, health equipment, health monitoring devices, athletic attire, and online access fees. Any costs that Company does reimburse, either in whole or in part, will be applied in a uniform and non-discriminatory manner.

If you are not satisfied with any of the changes we make, you may discontinue this rider at any time, as described below.

In no event will the Company use the Status or any medical or other information about the Life Insured provided in order to meet Status Qualification Requirements:

 

  (a) to change the Life Insured’s Risk Classification shown on page 3.1 of the Policy Specifications; or

 

  (b) to deny a request to reinstate coverage.

Discontinuation of this Rider

You may make a Written Request to discontinue this rider at any time. Upon discontinuation, the Rider Charge will cease and no new Rider Credit Factors will be earned. As long as your policy remains In Force, Rider Credits will continue to be applied based on all previously-earned Rider Credit Factors and Rider Credit Grading Factors subject to the Rider Credit Limit. Access to incentives for the Life Insured will cease.

This rider cannot be reinstated after discontinuation.

Termination of this Rider upon Policy Termination     

This rider will terminate at the same time as your policy. Please see the Policy Termination provision of your policy. No Rider Credit Factors will be earned and no Rider Credits will be applied once the policy to which this rider is attached is terminated.

Reinstatement of this Rider

If your policy and this rider terminate at the end of a Grace Period in which you did not make the Default Payment, you may apply for reinstatement of your policy and this rider in accordance with the Reinstatement provisions of your policy.    

For purposes of calculating new Rider Credits following the date of reinstatement, we will determine the Rider Credit Multiplier and the Rider Credit Factors using the Status of the Life Insured on the next Annual Processing Date following the date of reinstatement. The Rider Credit Multiplier and the Rider Credit Factors are described in the Policy Specifications.

For purposes of applying Rider Credits earned in prior Policy Years following the date of reinstatement, the number of Elapsed Years in determining the Rider Credit Grading Factors will be measured from the Policy Year in which the applicable Rider Credit was first earned. The Rider Credit Grading Factors are shown in the Policy Specifications.

 

16HER    5    NY

 

GENERAL PROVISIONS (continued)

 

Each Annual Processing Date that would have occurred had your policy been In Force will be included in the calculation of the number of Annual Processing Dates for the purpose of calculating the Rider Credit Multiplier and the Rider Credit Factors.

No Rider Credit Factors will be earned and no Rider Credits will be applied once the policy to which this rider is attached is terminated. Any Rider Credit earned in prior Policy Years, that would have applied if the policy were still In Force, will not be applied to the Policy Value upon reinstatement.

Signed for the Company by:

 

/s/ Craig Bromley

President

 

16HER    6    NY

 

1. POLICY SPECIFICATIONS (continued) – Policy [12 345 678]    

 

SUPPLEMENTARY BENEFIT

 

Benefit

 

Effective Date

 

Rider Credit Multiplier

   

Healthy Engagement Rider

 

[May 1, 2016]

 

On each of the first [45] Annual Processing Dates, if this rider is in effect, we determine the Rider Credit Multiplier to be applied in the current Policy Year as the sum of all Rider Credit Factors earned in the current and prior Policy Years.

Rider Credit Factors

   

On each of the first [45] Annual Processing Dates, if this rider is in effect, based on the Status of the Life Insured as of that date, you earn a schedule of Rider Credit Factors that will be applied in the current and subsequent Policy Years.

 

The Rider Credit Factor earned in a Policy Year, that is scheduled to be applied in the current or a subsequent Policy Year, is equal to (a) multiplied by (b), where:

 

(a)    is the Rider Credit Rate from the Rider Credit Rates Table corresponding to the Policy Year and Status when earned; and

 

(b)    is the Rider Credit Grading Factor corresponding to the number of years elapsed between the Policy Year when earned and the Policy Year in which it is applied.

 

Rider Credit Grading Factors   

Elapsed

Years

   

Rider Credit

Grading Factor

   

Elapsed

Years

   

Rider Credit

Grading Factor

   0    100%    11    45%
   1    95%    12    40%
   2    90%    13    35%
   3    85%    14    30%
   4    80%    15    25%
   5    75%    16    20%
   6    70%    17    15%
   7    65%    18    10%
   8    60%    19    5%
   9    55%    20+    0%
   10    50%      
Rider Credit Limit    Policy Years    Rider Credit Limit Multiplier
Multiplier    1-3       [1.00]   
   4+       [1.00]   

Rider Benefit Base

   

$20,000,000

Rider Charge

   

$2.00 per month for Policy Years 1 – [45]

 

16HER    3.x    NY

 

1. POLICY SPECIFICATIONS (continued) – Policy [12 345 678]

 

STATUS QUALIFICATION REQUIREMENTS

The “Status Qualification Requirements” refers to the points-based system for determining the Status Level of the Life Insured. The Status Qualification Requirements as of [April 1, 2016] are shown below. We reserve the right to amend the Status Qualification Requirements from time to time but not more frequently than once in any 12-month period, except with the prior consent of the New York State Department of Financial Services. The Life Insured can obtain current information relating to his or her Status and/or the Status Qualification Requirements by visiting [http://www.johnhancockvitality.com/] or by contacting our Service Office at [1-888-267-7781].

 

STATUS LEVELS

   

Points Requirements

Bronze (Level 1) Status

    0 Points

Silver (Level 2) Status

    Starts at 3,500 Points

Gold (Level 3) Status

    Starts at 7,000 Points

Platinum (Level 4) Status

    Starts at 10,000 Points

 

HEALTH REVIEWS

   

Points

   

Maximum

Annual Vitality Health Review (VHR)    500    Once per year

Bonus – Complete VHR in first 90 days

    250    Once per year

Bonus – First time VHR

    500    Once per lifetime
Physical activity review    250    Once per year
Cognitive wellbeing reviews    50    200 (Four per year)
Health Reviews Category Minimum    500 Points Available on an Annual Basis

BIOMETRICS

   

Points

   

Maximum

Body Mass Index (BMI) check    125    Once per year

BMI of greater than or equal to 18.5 and < 25

    1,000    Once per year

BMI of greater than or equal to 25 and less than or equal to 28

    500    If BMI improves (18.5-24.9) add 500 points
Glucose check    125    Once per year

Reading of <100 mg/dL

    1,000    Once per year
Cholesterol check    125    Once per year

Reading of <200 mg/dL

    1,000    Once per year

Blood pressure check

 

    125    Once per year

Reading of less than or equal to 120/80 for ages up to Age 71; less than or equal to 140/90 for ages 71+

    1,000    Once per year
Non-tobacco user    1,000    Once per year
Enrollment in Vitality Prenatal Care Program    1,000    Once per year

Biometrics Category Minimum

    3,000 Points Available on an Annual Basis

 

PS-SQR    3.x    NY

 

1. POLICY SPECIFICATIONS (continued) – Policy [12 345 678]

 

 

PREVENTION

   

Points

   

Maximum

Annual flu shot

    400    Once per year

Pap smear screening (applicable for ages 70 and below)

    200    Once per year

Mammogram screening

    200    Once per year

Colorectal screening

    200    Once per year

Dental screening

    200    Once per year

Prevention Category Minimum

    500 Points Available on an Annual Basis

 

HEALTHY FOODS

   

Points

   

Maximum

HealthyFood Purchases

    2 per item   

Up to 50 points per month

Healthy Foods Category Minimum

   

300 Points Available on an Annual Basis

 

PS-SQR    3.x    NY

 

1. POLICY SPECIFICATIONS (continued) – Policy [12 345 678]

 

 

PHYSICAL ACTIVITY

  

Points

   

Maximum

Workouts

 

     

Light Workout

 

   10   

 

 

 

You can earn points for one verified workout per day (subject to the Physical Activity category daily maximum of 500 points). When multiple workouts are recorded for the same day, you’ll be credited with the one that is worth the most points.

 

 

 

 

 

NOTE: Physical Activity workouts and athletic events can earn a category maximum of 7,000 points annually.

Using an activity verification device (5,000 - 9,999 steps per day)

 

     

Using a heart rate monitor,1 exercise within your target heart rate staying at an average of greater than or equal to 60% of your maximum heart rate for 15 –30 minutes

 

     

Using a calorie counting app, you burn between 100 and 199 calories during a workout.

 

Note: If using an Apple Watch during a short-term workout, you should use a separate calorie counting app to track your calories.

 

     

Using the Activity app on Apple Watch, you burn the minimum number of calories required for a Light Workout, based on the Active Calories table below.

 

     

Standard Workout

 

   20   

Using an activity verification device (10,000 - 14,999 steps per day)

 

     

Working out at a health club for greater than or equal to 30 minutes

 

     

Using a heart rate monitor,1 exercise within your target heart rate staying at an average of greater than or equal to 60% of your maximum heart rate for 30 - 45 minutes

 

     

Using a calorie counting app, you burn between 200 and 299 calories during a workout.

 

Note: If using an Apple Watch during a short-term workout, you should use a separate calorie counting app to track your calories.

 

     

Using the Activity app on Apple Watch, you burn the minimum number of calories required for a Standard Workout, based on the Active Calories table below.

 

     

Advanced Workout

 

   30   

Using an activity verification device (> 15,000 steps per day)

 

     

Using a heart rate monitor,1 exercise within your target heart rate staying at an average of greater than or equal to 60% of your maximum heart rate for > 45 minutes

 

     

Using a calorie counting app, you burn 300 or more calories during a workout.

 

Note: If using an Apple Watch during a short-term workout, you should use a separate calorie counting app to track your calories.

 

     

Using the Activity app on Apple Watch, you burn the minimum number of calories required for an Advanced Workout, based on the Active Calories table below.

     

Physical Activity Category Minimum

  

5,000 Points Available on an Annual Basis    

 

1  Heart rate wrist monitor devices are currently ineligible.

 

PS-SQR    3.x    NY

 

1. POLICY SPECIFICATIONS (continued) – Policy [12 345 678]

 

 

PHYSICAL ACTIVITY (continued)

  

Points

   

Maximum

 

Athletic Events (Walking, Running. Cycling, Triathlon2)

   

Level 1

 

   250   

 

You can earn points for one verified athletic event per day (subject to the Physical Activity category daily maximum of 500 points). When multiple events are recorded for the same day, you’ll be credited with the one that is worth the most points.

 

 

 

NOTE: Physical Activity workouts and athletic events can earn a category maximum of 7,000 points annually.

Run or walk 1.9 miles < 5.6 miles

 

     

Cycle 6.2 miles < 24.9 miles

 

     

Triathlon Super Sprint

 

     

Level 2

 

   350   

Run or walk 5.6 miles < 12.4 miles

 

     

Cycle 24.9 miles < 62 miles

 

     

Triathlon Sprint

 

     

Level 3

 

   500   

Run or walk 12.4 miles or more

 

     

Cycle 62 miles or more

 

     

Triathlon Olympic, ITU, Half or Full

 

     

Physical Activity Category Minimum

  

5,000 Points Available on an Annual Basis

Minimum Number of Active Calories Required to Earn a Workout using Apple Watch

 

Weight Range

   

Light Workout

   

Standard Workout

   

Advanced Workout

    

Males

   

Females

   

Males

   

Females

   

Males

   

Females

0- 90.0 lbs

    100    100    200    200    300    300

90.01 – 125.00 lbs

    150    150    300    300    450    450

125.01 – 155.00 lbs

    200    200    400    400    600    625

155.01 – 180.00 lbs

    250    250    500    500    725    750

180.01 – 210.00 lbs

    300    350    600    650    900    975

210.01 – 235.00 lbs

    350    400    700    750    1,050    1,125

235.01 – 255.00 lbs

    400    450    775    850    1,175    1,300

255.01 – 280.00 lbs

    450    500    900    975    1,300    1,450

280.01 – 310.00 lbs

    500    600    1,000    1,150    1,500    1,700

310.01 and greater

    550    650    1,100    1,250    1,650    1,875

 

 

2  Proof of event completion is required.

 

PS-SQR    3.x    NY

 

1. POLICY SPECIFICATIONS (continued) – Policy [12 345 678]

 

 

HEALTH EDUCATION

   

Points

   

Maximum

 

Vitality Health Assessment Calculators

    25 each   

Four per year

Vitality Nutrition Courses

    75 each   

Six per year

Health Education Category Minimum

   

300 Points Available on an Annual Basis

INTERVENTION

   

Points

   

Maximum

 

Smoking Cessation

    200   

Once per lifetime

Intervention Category Minimum

   

100 Points Available on an Annual Basis

ENGAGEMENT ACTIVITIES

   

Points

   

Maximum

Carryover of 10% of previous year’s points (Kick-Start Bonus)

    Varies    10% of Maximum Points Available in Year

Update email address

    50    Once per year

Set an active goal and check in every week

    20    Once per week

Online Engagement Applications

 

Vitality Wheel

 

Vitality Squares

   

5-50

5-25

   

50 points per use

25 points per use

Engagement Activities Category Minimum

    300 Points Available on an Annual Basis

 

PS-SQR    3.x    NY

 

1. POLICY SPECIFICATIONS (continued) – Policy [12 345 678]

 

INCENTIVES

The incentives for the Healthy Engagement program as of [November 1, 2016] are shown below. The Life Insured can obtain current information relating to the incentives by visiting [http://www.johnhancockvitality.com/] or by contacting our Service Office at [1-888-267-7781]. We reserve the right to amend the incentives from time to time only in accordance with the Administration of this Rider provision.

 

I. To encourage Life Insured’s participation in the John Hancock Healthy Engagement program, the following list of incentives is available at all times after the Life Insured completes the Healthy Engagement program member registration:

 

ACTIVITY VERIFICATION DEVICES

   

Amount

   

Maximum

 

Discount on select Garmin® devices

    25% discount    None

Discount on select Polar® devices

    40% discount    None

Discount on select FitBit® devices

    25% discount    None

BIOMETRIC SCREENINGS

   

Amount

   

Maximum

 

Free annual screening at Quest Diagnostics®

    100% discount    None

WORKOUT GEAR RETAILERS

   

Amount

   

Maximum

 

Discount on REI3 gift cards

    25% discount    None

HEALTH & FITNESS ACTIVITIES

   

Amount

   

Maximum

 

Curves® – Waiver of enrollment fee

    $150    One time

Title Boxing Club™ – Waiver of enrollment fee

    $149    One time

LifeTime Fitness® – Waiver of enrollment fee

 

Reduction of administrative fee

   

$189

 

$65

   

One time

 

One time

LA Fitness® – Waiver of enrollment fee

 

Reduction in monthly fee

   

$99

 

$5

   

One time

 

Once per month

24 Hour Fitness™ – Reduction in enrollment fee

 

Reduction in monthly fee

   

$30

 

$5

   

One time

 

Once per month

 

3  REI® is not affiliated with the John Hancock Healthy Engagement Program. REI does not sponsor, endorse, or have any responsibility for this promotion.

 

PS-INC    3.x    NY

 

1. POLICY SPECIFICATIONS (continued) – Policy [12 345 678]

 

 

II. The following list of incentives is available through participation in the Vitality Wheel. Vitality Wheel is an interactive mobile application engagement activity that allows you to spin a wheel for the opportunity to win one of the gift cards below. The Life Insured is eligible to spin the wheel every time they complete 10 standard or advanced workouts, or when they earn a higher Status Level.

 

WORKOUT GEAR RETAILERS

   

Amount

   

Maximum

 

Adidas™ gift cards[*]

    $5-$50    None

Nike® gift cards[*]

    $5-$50    None

Under Armour® gift cards[*]

    $5-$50    None

 

GIFT CARDS TO RETAILERS THAT PROMOTE
GOOD HEALTH AND/OR ACTIVE LIFESTYLE

   

Amount

   

Maximum

 

SpaFinder Wellness 365™ gift cards[*]

    $5-$50    None

GoPlay Golf™ gift cards[*]

    $5-$50    None

 

III. The following list of incentives is available through participation in the Vitality Squares. Vitality Squares is a monthly interactive online engagement activity that allows the user to choose squares on a 3x4 board. The number of squares you can reveal depends on your current Status Level. By revealing at least 4 squares with fruit images, you can earn one of the gift cards below. The Life Insured is eligible to participate in this engagement activity when they complete the Vitality Health Review each year.

 

WORKOUT GEAR RETAILERS

   

Amount

   

Maximum

 

Adidas gift cards[*]

    $5, $15, $250    None

Nike gift cards[*]

    $5, $15, $250    None

Under Armour gift cards[*]

    $5, $15, $250    None

 

GIFT CARDS TO RETAILERS THAT PROMOTE
GOOD HEALTH AND/OR ACTIVE LIFESTYLE

   

Amount

   

Maximum

 

SpaFinder Wellness 365 gift cards[*]

    $5, $15, $250    None

GoPlay Golf gift cards[*]

    $5, $15, $250    None

 

IV. The following list of incentives is available through participation in the Vitality HealthyFood program. Through this benefit, the Life Insured can save money on qualified healthy food purchases. The Life Insured is eligible for this benefit when they achieve a Gold or Platinum Status each year.

 

HEALTHY EATING

   

Amount

   

Maximum

 

Walmart – Discount on select food purchases

    25% discount    Up to $50 per month

NutriSavings™ Partners – Discount on select food purchases

    25% discount    Up to $50 per month

 

PS-INC    3.x    NY

 

1. POLICY SPECIFICATIONS (continued) – Policy [12 345 678]

 

 

V. The following list of incentives is available through achievement of Gold or Platinum Status. The Life Insured is eligible to choose one of the gift cards below when they achieve a Gold or Platinum Status each year.

 

WORKOUT GEAR RETAILERS

   

Gold Status

   

Platinum Status

 

Adidas gift cards[*]

    $50    $100

Nike gift cards[*]

    $50    $100

Under Armour gift cards[*]

    $50    $100

 

GIFT CARDS TO RETAILERS THAT PROMOTE
GOOD HEALTH AND/OR ACTIVE LIFESTYLE

   

Gold Status

   

Platinum Status

 

SpaFinder Wellness 365 gift cards[*]

    $50    $100

GoPlay Golf gift cards[*]

    $50    $100

[* Access to gift cards will cease upon the later of the Life Insured’s Age 80 or the tenth Annual Processing Date. Access to all other Incentives will continue to be available.]

 

PS-INC    3.x    NY