--- title: Term Life with no Exam description: SmartProtect Term with Vitality is a quick, easy issue term product that protects your clients, while also recognizing and rewarding them for living a healthy life. image: https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/69e0edc39a6f2b446ec622d5_og-5-2-blog.webp --- [![](https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/697926babf20ddeb2d4ff972_64c7ba8d78ae605d730bbe060cf878ba_NewHorizons-White-Tag.svg)](https://www.newhorizonsmktg.com/) - [Home Home](https://www.newhorizonsmktg.com/) - Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) - 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It offers competitive premiums and a streamlined underwriting decision in only two days to simplify the process for your clients and help you place more business.\*     SmartProtect Term with Vitality offers: - Quick streamlined underwriting decision in 2 days\* - No medical screening or tests - Highly competitive premiums for 10, 15 or 20-year durations - Face Amounts ranging from $100,000 - $1,000,000 - John Hancock Vitality Program, which provides: - The opportunity to reduce premiums even further by living a healthy life - A Vitality HealthyFood™ benefit with up to $600 in annual savings on healthy food purchases — at thousands of stores nationwide1 - A free Fitbit® device to track progress toward a healthy lifestyle - Entertainment and shopping rewards     1. The HealthyFood benefit is available to your clients on qualified purchases during their first program year regardless of their Vitality Status. In subsequent program years, HealthyFood discounts are only available if they achieve a Gold or Platinum Status. They will, however, continue to accumulate Vitality Points for their healthy food purchases no matter what their Vitality Status. **For Agent Use Only. This material may not be used with the public.** Insurance policies and/or associated riders and features may not be available in all states. \*From the date we receive an "in good order application" John Hancock Vitality Program rewards and discounts are only available to the person insured under the eligible life insurance policy. Vitality is the provider of the John Hancock Vitality Program in connection with the life insurance policy. Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02110 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. MLINY042616188 [Life Insurance](https://blog.newhorizonsmktg.com/tag/life-insurance) ## Comments ## Read On ### [Case of the Week: Comparing Long Term Care Options](https://blog.newhorizonsmktg.com/case-of-the-week-comparing-long-term-care-options) Recently, I presented a couple in their 50’s with possible solutions to future long term care... ### [The JH LTC Opportunity Series - Part 3: Counting the Cost](https://blog.newhorizonsmktg.com/the-jh-ltc-opportunity-series-part-3-counting-the-cost) We have shared with you the statistics that support the need for long-term care planning, and you... 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