Life insurance · wellness · retirement income
Life insurance that can reward healthier choices. Retirement strategies built for the long horizon. Guidance grounded in clarity—not pressure.
01 · A clearer standard
The right plan begins with truth: who depends on you, what could interrupt the future, and what a confident retirement should feel like.
Veritas brings protection, wellness-linked life insurance and retirement-income strategies into one disciplined conversation—then helps you compare the real costs, guarantees and tradeoffs.
Life insurance
Explore term and permanent life insurance designed to help protect a household, support legacy goals and—on eligible policies—reward healthy activity through Vitality.
Annuities
Fixed and fixed indexed annuities may help create tax-deferred accumulation, contract-based protection and optional lifetime-income features for an appropriate portion of retirement assets.
02 · The Vitality difference
Eligible John Hancock life insurance customers can earn points through activity, preventive care, healthy food and other everyday choices. Status and policy terms determine the available rewards.
Eligible Vitality PLUS members can earn cumulative savings on qualifying John Hancock life insurance premiums through healthy participation.
Choose an eligible Apple Watch for an initial $25 plus tax. Monthly payments over two years vary with qualifying exercise.
Eligible members can save on qualifying fresh produce, with additional weekly Healthy Savings offers available under current program terms.
Eligible Vitality PLUS members can receive a complimentary Headspace subscription for mindfulness and mental wellbeing.
Eligible registered members age 40+ may receive a full or partial subsidy for the Galleri multi-cancer early detection test, depending on policy and program criteria.
Program benefits can include offers from Expedia, REI, Amazon, Oura, WHOOP, Garmin, Fitbit and other participating brands.
Galleri is a screening test, not a diagnosis, and is intended to supplement routine screening recommended by a healthcare provider. Program benefits, partners, subsidy levels and availability can change. Current official materials do not support a general gym-membership discount claim.
03 · Value while you live
Use this illustration to see how premium savings and selected program benefits can add up for a highly engaged eligible member.
This is an illustrative maximum-value scenario—not a quote or guarantee. It assumes 25% premium savings, full use of eligible food offers and full Galleri subsidy. Eligibility and program terms apply.
04 · Retirement income
Annuities are long-term insurance contracts. The right fit depends on your income needs, time horizon, liquidity, costs, tax situation and the claims-paying ability of the issuing insurer.
A declared rate and contract guarantees can bring predictability to a portion of savings.
Index-linked crediting with limits such as caps and participation rates, without direct ownership of the index.
Immediate or deferred choices can convert premium into scheduled payments, including lifetime options.
05 · The Veritas method
Understand the people, obligations and ambitions the plan needs to support.
Review structures, carrier options, costs, guarantees and tradeoffs in plain language.
Build a protection and income strategy aligned with budget, liquidity and timeline.
Revisit the plan as family, health, goals and retirement needs evolve.
06 · Careers at Veritas
Veritas is looking for disciplined people who want to guide families, grow professionally and build long-term client relationships in a standards-led environment.
07 · Start the conversation
Tell us where you want clarity. A licensed professional can help you explore suitable life insurance or retirement-income options without beginning with a product pitch.
08 · Know before you choose
No. Veritas is an independent insurance marketing and advisory brand. Policies and annuity contracts are issued by licensed insurance companies, and availability varies by state, product and carrier.
No. Vitality GO and Vitality PLUS differ. Eligibility depends on the policy, state, coverage amount, registration, participation and current program terms. Rewards can change.
Contract guarantees depend on the issuing insurer's claims-paying ability. Annuities can include surrender periods, withdrawal limits, crediting rules, costs and tax considerations that should be reviewed before purchase.
A license is required before an agent may sell insurance or receive commission-based compensation. Candidates may apply before licensing, but appointment, training, background and state requirements still apply.