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John Hancock Offers Apple Watch Series 5 to Vitality Life Insurance Customers for $25

Life insurance provider John Hancock has announced that it is expanding its Apple Watch program so that new and existing members of its Vitality program can receive a 40mm Apple Watch Series 5 for an initial payment of just $25 plus tax.

apple watch series 5 studio
The cost of the Apple Watch is split up into 24 monthly payments, which can be paid off by walking, running, biking, swimming, or completing various other exercises.

Vitality members must earn at least 500 fitness-related Vitality Points per month over two years to avoid owing any of the instalments. Additional fees apply for customers who choose a cellular model or other more expensive models.

By connecting the Vitality Today app to Apple's Health app and confirming data sharing, customers can earn Vitality Points for Light, Standard, and Advanced Workouts towards the monthly goal.

Customers can also share steps measured by their iPhone or Apple Watch, as well as active calories from the Apple Watch.

The Vitality program is available with select John Hancock life insurance policies in the United States. The free Apple Watch Series 5 offer will be available starting this fall everywhere except New York and Puerto Rico.

John Hancock, owned by Manulife Financial, first started offering Apple Watches to a limited number of members in 2016, before opening the program to all Vitality members the following year.

In a recent survey of John Hancock Vitality members with Apple Watch, 84 percent stated they are motivated to exercise by their Apple Watch and 90 percent wear an Apple Watch seven days a week.

In addition, a RAND Europe study of over 400,000 people concluded that those who participated in Vitality's Global Apple Watch programs averaged a 34 percent sustained increase in physical activity compared to participants without an Apple Watch.

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Top Rated Comments

M.PaulCezanne Avatar
87 months ago
Think carefully before sharing health data with a company that profits from that data.
Score: 8 Votes (Like | Disagree)
GuruZac Avatar
87 months ago
That’s cool and if it’s keeps people motivated to improve their health, even better.
Score: 5 Votes (Like | Disagree)
87 months ago
That's always how it starts.

Fast forward to your insurance claim being rejected because one day your heart rate showed an irregularity and you didn't obtain the mandatory doctor's report to account for it so it goes down as attempted insurance fraud.
Yep. My car insurance wants to send me a gadget that monitors my car. Well give ya a discount. Heck no. The worse thing you can do is give insurance companies more info than what is required.

There’s no upside there. Plenty of downside.

Now they want you to wear a gadget that monitors you? Thanks but no thanks.
Score: 3 Votes (Like | Disagree)
87 months ago

That's always how it starts.

Fast forward to your insurance claim being rejected because one day your heart rate showed an irregularity and you didn't obtain the mandatory doctor's report to account for it so it goes down as attempted insurance fraud.
Except they only get what Apple gives them, and the Heart Rate metric is limited to an occasional BPM value. Data like ECGs which show potential irregularities are not available to Vitality.
Score: 3 Votes (Like | Disagree)
bbednarz Avatar
87 months ago

This is truly more disturbing than anything Facebook has ever done.

Congratulations Tim.
What are you going on about now?


Buy it with exercise!
Good luck with that. If you aren't motivated enough to buy it yourself, a few hundred dollars won't get you off your butt.
For someone that already works out and meets their goals it’s basically a free watch. I don’t see how this could be spun into a negative.
Score: 3 Votes (Like | Disagree)
Caseynd Avatar
87 months ago

Too bad term life insurance is such a scam.
It's great for people who don't want to overpay for life insurance. Whole life policies are terrible investment vehicles. If you want to read why, there are many articles out there, but this one does a good job of covering the important parts- https://momanddadmoney.com/why-whole-life-insurance-is-a-bad-investment/
Score: 3 Votes (Like | Disagree)