36 THE QUEENS COURIER • HEALTH • NOVEMBER 5, 2020 FOR BREAKING NEWS VISIT WWW.QNS.COM
health
A new kind of life insurance
for those living with diabetes
For people living with diabetes, the
condition is a part of their everyday
life and one that impacts many of their
decisions, from balancing what they eat
to taking care of their health. One area
that might not be top of mind for people
living with diabetes is life insurance.
Th at’s because many people with diabetes
believe they won’t be able to get life
insurance if they have the condition.
Research shows that nearly 50 percent
of people with diabetes are worried they
will not qualify for a life insurance policy
and another 45 percent assume it’s
too expensive, according to a recent survey
commissioned by John Hancock.1
And it’s even higher among younger
people, with 68 percent of people ages
25-34 worried they won’t qualify.
Dispelling the common myth
According to the Centers for Disease
Control and Prevention (CDC), 9.4 percent
of the U.S. population has diabetes.
2 Th is equates to roughly 30 million
people. In addition, another 33.9
percent (84 million) has pre-diabetes.
While people with diabetes recognize
the many benefi ts life insurance can
off er - like providing for your family,
covering fi nal expenses, and off ering
peace of mind - there’s a lot of confusion
about the topic and a concern that having
diabetes will bar them from getting
life insurance.
In reality, more than 90 percent of all
the people with diabetes who sought life
insurance in the past 18 months qualifi
ed with John Hancock. In addition, 88
percent of those applicants received a
standard or better premium quote.
A new kind of life insurance
If you are living with diabetes and
you haven’t thought about life insurance
recently, it’s worth taking a look. John
Hancock life insurance with Vitality
rewards customers for the smarter choices
they make every day to improve their
health - exercising regularly, eating well
and visiting the doctor - things many
people, including those with diabetes, are
already encouraged to do. Policyholders
can earn valuable rewards, including
an Apple Watch® Series 3 for $25, plus
tax, by exercising regularly,3 $600 in
annual savings on healthy food purchases,
4 and savings of up to 15 percent on
their annual life insurance premiums.
It doesn’t require completely changing
your habits overnight - small, healthy
choices can make a big diff erence over
time.
Getting your questions
answered
If you have diabetes and you are without
a life insurance policy, you probably
have questions. Th e good news is you’re
not alone. Only one third of those with
diabetes report they consider themselves
knowledgeable about life insurance. Th e
most common questions among those
who don’t include:
• How much life insurance will I need?
• Will I need a medical exam to get life
insurance?
• Can I aff ord a life insurance policy?
To help you fi nd the answers to these
questions, you can speak with one of
John Hancock’s Coverage Coaches
at 844-235-3002, or visit www.
JohnHancockInsurance.com/ADA. Life
insurance is an important way to help
protect your loved ones, and now your
policy can do more by rewarding you for
healthy living.
1. Th is nationwide survey was conducted
online by Qualtrics on behalf of John
Hancock.
2. CDC. National Diabetes Statistical
Report, 2107. CDC. National Diabetes
Statistical Report, 2107.https://www.cdc.
gov/diabetes/pdfs/data/statistics/national
diabetes-statistics-report.pdf
3. You can order Apple Watch Series 3
(GPS) for an initial payment of $25 plus
tax and over the next two years, monthly
payments are based on the number
of workouts completed. Upgrade
fees apply if you choose Apple Watch
Series 3 (GPS + Cellular), certain bands
and case materials. A Retail Installment
Agreement with the Vitality Group
will need to be signed electronically at
checkout. Apple Watch Series 3 (GPS)
requires an iPhone 5s or later with iOS
11 or later. Apple Watch Series 3 (GPS
+ Cellular) requires an iPhone 6 or later
with iOS 11 or later.
Apple Watch Series 3 (GPS + Cellular)
and iPhone service provider must be the
same. Cellular is not available with all service
providers. Roaming is not available
outside your carrier network coverage
area. Wireless service plan required for
cellular service. Contact your service provider
for more details. Check www.apple.
com/watch/cellular for participating wireless
carriers and eligibility.
Apple is not a participant in or sponsor
of this promotion. Apple Watch program
is not available in New York.
4. HealthyFood savings are based on
qualifying purchases and may vary based
on the terms of the John Hancock Vitality
program.
Insurance policies and/or associated
riders and features may not be available
in all states.
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 only available to the
person insured under the eligible life
insurance policy. Rewards and discounts
are subject to change and are not guaranteed
to remain the same for the life of
the policy.
Premium savings are in comparison
to the same John Hancock policy without
the Vitality program. Annual premium
savings will vary based upon policy
type, the terms of the policy, and the level
of the insured’s participation in the John
Hancock Vitality Program.
Insurance products are issued by
John Hancock Life Insurance Company
(U.S.A.), Boston, MA 02210 (not licensed
in New York) and John Hancock Life
Insurance Company of New York,
Valhalla, NY MLINY101717101
— Courtesy of BPT
/www.apple
/ADA
/www.cdc
/ADA
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