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For years, John Hancock has offered Vitality Plus<\/a> life insurance program members a way to earn an Apple Watch for (almost) free with regular exercise.<\/p>\n Recently, the Vitality program expanded<\/a> to include the newest Apple Watch Series 11<\/a> and Apple Watch Ultra 3.<\/a> Here\u2019s how it works and how to take advantage if you\u2019re hoping an Apple Watch will help with your new year\u2019s resolutions. <\/p>\n Get an Apple Watch for free as a reward for exercise<\/p>\n Through its Vitality program, John Hancock allows its life insurance customers to earn \u201cpoints\u201d in exchange for regular exercise. These points can then be applied towards a monthly payment for a new Apple Watch.<\/p>\n The Vitality program requires that users make an initial payment of $25 plus tax for their new Apple Watch. The remaining balance of the way is divided over 24 monthly installments. The key, however, is the more you exercise, the lower your monthly payments will be.<\/p>\n Register for your Vitality member account and completely the Vitality Health Review (VHR).<\/p>\n Order your Apple Watch SE, Apple Watch Series 11, or Apple Watch Ultra 3 and make the first $25 payment plus tax.<\/p>\n If you choose to upgrade to a higher-end watch, you might have to make a supplemental first payment. <\/p>\n Use your Apple Watch to track your workouts across categories like walking, running, biking, swimming, and more.<\/p>\n How to earn points<\/p>\n Here is a breakdown of how much you\u2019ll pay for your Apple Watch Series 11 or Apple Watch Ultra 3 based on how many points you earn in that month:<\/p>\n Zero points: $15.50 per month<\/p>\n 240 points: $12.25 per month<\/p>\n 360 points: $7.00 per month<\/p>\n 500 points: $0.00 per month<\/p>\n And for the Apple Watch SE:<\/p>\n Zero points: $9.25 per month<\/p>\n 240 points: $7.25 per month<\/p>\n 360 points: $4.25 per month<\/p>\n 500 points: $0.00 per month<\/p>\n How do you earn points through the John Hancock Vitality program? A \u201cStandard\u201d workout earns you 20 points per day. Here\u2019s what that entails:<\/p>\n Step count: 10,000<\/p>\n Active calories: Threshold based on Apple Health app data for sex, height and weight.<\/p>\n Heart rate: 60% of max heart rate for 30 minutes<\/p>\n Completing an \u201cAdvanced workout\u201d earns 30 points per day:<\/p>\n 15,000 steps<\/p>\n Active calories: Threshold based on Apple Health app data for sex, height and weight.<\/p>\n Heart rate: 60% of max heart rate for 45 minutes<\/p>\n You can head to the John Hancock Vitality website<\/a> for more information and sign up today. It\u2019s available to Vitality Plus life insurance customers only.<\/p>\n My favorite Apple Watch links: <\/p>\n Follow Chance:\u00a0Threads<\/a>,\u00a0Bluesky<\/a>,\u00a0Instagram<\/a>, and\u00a0Mastodon<\/a>.\u00a0<\/p>\n \t\t FTC: We use income earning auto affiliate links. More.<\/a><\/p>\n
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