Data AnalysisVerified

Reviewed and published by trentmaziarz, July 4, 2026. Discovered and drafted by our automated research pipeline.

John Hancock uses AI and data analysis within its Vitality program to process health and activity data from wearables and other sources, then calculates wellness scores that determine customer rewards and life insurance premium adjustments.

Details

Launched in 2015 and described by John Hancock as blending 'smart tech, data, AI, incentives, and behavioral science,' the Vitality program collects data from fitness devices (such as Fitbit, Apple Watch, and Garmin), health screenings, and nutrition tracking. The AI component analyzes this data to assign Vitality Points and determine a member's Vitality Status, which in turn influences premium savings of up to 25% for Vitality PLUS members. As of 2025, the program marked its ten-year anniversary and continues to expand with new health tech partners.

Products affected

John Hancock VitalityVitality GOVitality PLUS

Sources & Evidence

News Article

John Hancock's Vitality builds a decade of success on living well

InsuranceNewsNet·Jul 2025

https://insurancenewsnet.com/innarticle/john-hancocks-vitality-builds-a-decade-of-success-on-living-well

Company Disclosure

John Hancock Marks 10 Years of Helping Customers Live Longer, Healthier, Better Lives Since Launch of Industry-Leading Vitality Program

John Hancock Newsroom·May 2025

https://www.johnhancock.com/about-us/newsroom/news/john-hancock/2025/05/john-hancock-marks-10-years-of-helping-customers-live-longer--healthier--better-lives-since-launch-of-industry-leading-vitality-program.html

Company Disclosure

Why the John Hancock Vitality Program Works

John Hancock·Jan 2024

https://www.johnhancock.com/ideas-insights/why-john-hancock-vitality-program-works.html

Cite this record

Trace Foundation. (2026). John Hancock: John Hancock uses AI and data analysis within its Vitality program to process health and activity data from wearables and other sources, then calculates wellness scores that determine customer rewards and life insurance premium adjustments (data as of 2026-07-04) [Data set record]. AI Trace. https://www.aitrace.org/r/practice/acb49118-f8c2-448e-96bc-a3158240055c. Accessed October 4, 2026.

Stable link: https://www.aitrace.org/r/practice/acb49118-f8c2-448e-96bc-a3158240055c
Data as of: July 4, 2026
Last verified: Not recorded

How to cite AI Trace

Other practices by John Hancock

ProductivityJohn Hancock deployed Quick Quote, a generative AI tool that produces preliminary life insurance assessments for insurance agents in about 15 minutes, replacing a process that previously took roughly one full day.OtherJohn Hancock integrated an AI-powered voice biometric system into its contact center that analyzes callers' voices to verify their identity, replacing manual PIN-based authentication for incoming calls.Customer SvcJohn Hancock deployed AI-powered chatbots and virtual assistants on its customer-facing websites and contact center platforms to handle routine customer inquiries, reducing call volume and wait times.

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