The choices you make today can benefit you tomorrow
Young adults are in a unique position to begin planning for the future. Because the cost of life insurance is generally based on your age and health at the time you apply, applying while you’re younger may help you qualify for lower premiums than you would later in life.
Starting now can also help you:
- Build a strong financial foundation early
- Secure coverage before changes to your health or circumstances could affect eligibility or cost
- Take one important financial step off your plate as your responsibilities grow
- Focus on building your future with confidence
Your health, but make it rewarding
Your healthy decisions just got a little more rewarding. Through John Hancock Vitality, included with your John Hancock life insurance, you can turn everyday choices into points, progress, and exclusive perks. Here’s how it works:
Apply for coverage
Apply for $250,000 or $500,000 in 20-year term life insurance through John Hancock.
Complete healthy activities
Stay active, complete wellness activities, and make healthy choices that fit your lifestyle.
Earn points
Track your progress and earn points for participating in eligible activities.
Redeem rewards
Use your points to unlock savings, discounts, gift cards, and other exclusive rewards from leading brands.
Coverage for the years ahead
Here’s what’s included with a John Hancock policy made available through Uspring.
- Choose either $250,000 or $500,000 in 20-year term coverage through John Hancock with a fixed rate for the entire term, provided premiums are paid and the policy remains in force
- No medical exam required for applicants
- Coverage averaging around $1–2 per day for qualified applicants*
- John Hancock Vitality rewards — savings, discounts, gift cards, and exclusive perks from brands you know
*Actual policy cost will vary based on underwriting status, face amount, sex and issue age and may be more than $2 per day for some applicants.
Why would I need life insurance at 22?
You may not have a family or major financial responsibilities yet, but that can change quickly. Getting coverage while you’re young and healthy can help you lock in a lower cost before your health or circumstances change. It’s one less financial decision to worry about later.
What happens if I change jobs?
Nothing. Your coverage isn’t tied to your employer, so changing jobs won’t affect your policy. As long as you keep your premiums paid, your coverage stays in place.
Does this follow me after graduation?
Yes. Your coverage is yours, not your university’s. Whether you graduate, move to a new city, change jobs, or start something completely new, your policy can stay with you for 20 years.
Can my parents pay for it?
Yes. If you want coverage but would rather have a parent or guardian handle the payments, they can pay for your policy on your behalf. You can still be the owner of your policy and make changes to your basic information and beneficiary(s).
What exactly happens after 20 years?
While coverage ends at the conclusion of the 20-year term, your options don’t have to. Through John Hancock, you’ll have the opportunity to renew, replace, or convert your policy when the term ends, subject to policy provisions.
Ready for what’s next?
Take the first step toward protecting your future and building habits that pay off for the next 20 years. Once you're in, we've got you.