A healthy lifestyle gets better rates for John Hancock life insurance

30 minutes of exercise a day. 16 hours a day awake. 1/2 hour a day of vigorous exercise for health and longevity.

The American Heart Association guidelines are 30 minutes a day of exercise 5 days a week.  John Hancock’s HealthStyles Program credits regular exercise, along with other factors, for better life insurance rates.  This can be helpful if a parent died from heart disease or cancer prior to age 60 to allow their super preferred rate and in many other situations to improve health rate classification and save lots of money.

Annual check-ups and regular screening test are part of John Hancock’s program.   Annual blood tests identify health problems, and the earlier a problem is identified the better.  I wish I had done this for my children over the last year.  My 12 year old son was diagnosed with type 1 diabetes this month, and the months before his diagnosis were progressively harder on him physically and psychologically.  Nothing would have changed the diagnosis, but a routine annual physical sometime last year may have spared him that ordeal which was occurring right before our eyes but unidentified.