John Hancock Aspire 

John Hancock Aspire with Vitality logo

Too many Americans living with diabetes don't have enough life insurance. But living with type 1 or type 2 diabetes shouldn't keep them from getting the life insurance they deserve.




Why John Hancock Aspire

The only life insurance designed for people living with type 1 or type 2 diabetes 


John Hancock Aspire combines the long-term financial protection your clients want with personalized diabetes support and rewards, with the opportunity for up to 25% in premium savings.1

Competitive edge

John Hancock has the underwriting, product and medical expertise that's needed to offer your customers the most competitive rates and help you expand into this market with an option that offers your customers tremendous value

Finding you opportunities

Through our relationships with Onduo and Vitality, we can help these clients better manage their condition while helping you grow your business.

Offering savings and rewards for healthy living

Onduo offers a virtual diabetes program empowering people with type 2 diabetes to live well

For qualified members, the program includes diabetes tools, coaching and clinical support to help your clients take control of their type 2 diabetes. Onduo supplements their current diabetes treatment plan and provides a boost of support between doctor's visits with up-to-date personal health information and answers to your clients' questions from a team of health coaches.2

Quote symbol

Don't just take our word for it.

"I have struggled with overpaying for insurance when I live an active, healthy lifestyle and I am grateful that John Hancock has recognized this need and addressed it with modern solutions."

MC initials in green circle

Michael Craig,
Insurance Professional,
Catalyst Solutions Group —Type 1 diabetes

Get to know our programs and solutions

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Find answers to some of the questions you may have

Aspire is not available in New York, Idaho and Puerto Rico. Vitality GO is not available with policies issued in NY & PR.

1. Premium savings are in comparison to the same John Hancock life insurance policy without Vitality PLUS. The level of premium savings are cumulative over the life of the policy and 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. Onduo cannot accept people with the following conditions: 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.

3. 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.


John Hancock 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 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 Onduo membership if member earn at least 900 points engaging with Onduo each year.
    • If member does not earn at least 900 points engaging with Onduo each year, they will have the option to pay for the membership. Onduo will determine the membership type and cost. Costs typically range from $250-$750 and are subject to change by Onduo.
  • 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 Onduo membership after year.
    • Member will have the option to pay for the membership. Onduo will determine the membership type and cost. Costs typically range from $250-$750 and are subject to change by Onduo.

The tax treatment of certain aspects of the Aspire and Vitality Programs is uncertain. The value of some of the benefits your clients may receive in connection with these programs, such as gift cards and other cash equivalents, could be includible in their taxable income. John Hancock expects to report to the IRS only those benefits associated with these programs that it believes are taxable income, such as gift cards and other cash equivalents. Taxable benefits will be reported to the IRS by the company only if the value of such benefits received in a year is $600 or more. This material does not constitute tax or legal advice and neither John Hancock nor any of its agents, employees or registered representatives are in the business of offering such advice. Your clients should consult their own tax professional.

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. To be eligible to earn rewards and discounts by participating in the Vitality program, the insured must register for Vitality and complete the Vitality Healthy Review (VHR).