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Vitality Life Insurance

A Revolutionary Approach to Life Insurance: Rewarding Healthy Living with Creative Financial Services

In the evolving landscape of personal well-being and financial security as of May 16, 2025, what if life insurance could do more than provide a safety net? What if it actively encouraged and rewarded your clients for embracing a healthier lifestyle? At Creative Financial Services, we are excited to introduce you to an innovative solution that does precisely that:

Life insurance featuring the John Hancock Vitality Program.

For the first time, your clients have the unique opportunity to secure financial protection for their loved ones and reap tangible benefits and savings for their commitment to healthy living. This groundbreaking approach transforms life insurance from a passive safeguard into an engaging, lifelong partnership in their well-being.

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Learn how you can protect what matters most.

Introducing the John Hancock Vitality Program: Protect, Engage, Reward

The John Hancock Vitality Program seamlessly integrates with their life insurance policies, creating a powerful synergy between financial protection and personal health. This isn’t just about paying premiums; it’s about empowering your clients to take proactive steps towards a longer, healthier, and more rewarding life, with their life insurance policy cheering them on every step of the way.

More Than a Policy: Tangible Benefits for Your Clients Throughout Their Lifetime

Clients who choose life insurance with the John Hancock Vitality Program unlock a host of compelling advantages:

  • Significant Premium Savings: The program offers the potential for noteworthy savings on life insurance premiums, both upfront and potentially ongoing, directly tied to their engagement in healthy activities.
  • Valuable Rewards and Discounts: Beyond premium savings, clients can earn exciting rewards and discounts from popular brands related to travel, wellness, healthy food, entertainment, and wearable fitness devices.
  • Inspiration for a Healthier Life: The program acts as a powerful motivator, providing tools, resources, and incentives that encourage positive lifestyle choices and help clients achieve their personal health goals.
  • An Engaging, Value-Driven Experience: Unlike traditional policies, this life insurance solution actively gives back throughout a client’s lifetime, offering ongoing value and making the protection concept more tangible and appealing.

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How It Works: A Simple Path to Health, Savings, and Rewards

Getting started and benefiting from the John Hancock Vitality Program is designed to be straightforward and empowering:

  1. Accumulate Vitality Points for Everyday Healthy Actions: Clients earn Vitality Points by participating in various simple, everyday activities that contribute to their well-being. This isn’t about drastic changes but relatively consistent positive habits. Points can be earned for things like:
    • Regular exercise (tracked via fitness devices or gym visits)
    • Getting annual health screenings and dental check-ups
    • Completing online health education modules
    • Making healthy food choices
    • Being tobacco-free
    • And many more engaging activities!
  2. Achieve a Vitality Status – Your Progress, Recognized: Each year, clients achieve a Vitality Status based on the number of Vitality Points accumulated. The more engaged they are, the higher their status:
    • Bronze: Starting point (0 points)
    • Silver: 3,500 points
    • Gold: 7,000 points
    • Platinum: 10,000 points. This status isn’t just a label; it’s a benchmark of their commitment and the key to unlocking more significant benefits.
  3. Enjoy Enhanced Savings and Greater Rewards: The principle is simple: the higher a client’s Vitality Status, the more they can save on their life insurance premiums, and the greater their access to valuable rewards and discounts. This creates a virtuous cycle where healthy living directly translates into financial benefits and lifestyle perks.

Empower Your Practice with This Innovative Solution

Offering life insurance with the John Hancock Vitality Program through Creative Financial Services can significantly enhance your practice:

  • Differentiate Yourself in the Market: Stand out by offering a modern, client-centric solution that goes beyond traditional offerings and resonates with today’s health-conscious consumers.
  • Grow Your Business: Attract a broader range of clients, including younger demographics and those actively interested in wellness, and deepen engagement with your existing client base.
  • Provide a Meaningful and Affordable Solution: Offer a policy that provides essential protection and delivers ongoing, tangible value. It can also make life insurance more affordable through healthy living discounts.

Partner with Creative Financial Services to Bring Vitality to Your Clients

Creative Financial Services is committed to providing you with access to cutting-edge solutions that meet your clients’ evolving needs. The John Hancock Vitality Program is a prime example of how life insurance can be more engaging, rewarding, and aligned with a holistic approach to well-being.

Please get in touch with your Creative Financial Services representative today to learn more about how you can offer John Hancock Vitality Program policies and help your clients embark on this rewarding journey. Let’s redefine what life insurance can achieve together.

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Testimonials

"I have been meaning to relay my gratitude to you for all the help and guidance that you have been providing along with the continued good handling of issues as they arise around the several 401k client plans we have been working on together. Your insight, mastery, and professionalism have made things a delight. Thank you for all the help! My processes and approach have been enriched because of your guidance and subject matter expertise. And for that, I am enriched professionally and personally. May I someday be able to pay it forward."
John Walsh
John WalshColumbus, Ohio
"The Annuity Team at CPS is best in class! The knowledge and know-how they possess is far superior than any other firm I have worked with. I very much appreciate the support they provide me."
Kayoko Nihei
Kayoko Nihei
"We partnered with CPS in 2014 and not only has it been pleasant but also an extremely educational experience. They are key to our agency and have the tools necessary to meet the needs of our clients. Their team is exceedingly knowledgeable and will give you step by step guidance on completing applications, quoting, and electing the right carrier for your clients. They have been a game changer for our agency and we look forward to continuing our business relationship with them for years to come."
Adam Beach
Adam BeachPresident of Beach Financial Group
CPS is superb to work with. We appreciate their prompt responses, attention to detail, and expertise from running illustrations to finalizing a policy. Customer services at its finest! We have found CPS to be a “5 Star” rating and highly recommend working with CPS."
Kim Buhrow
Kim Buhrow