Plan sponsor newsletter
Q4 2025
Longevity isn’t just about living longer—it’s about making those extra years better. And, getting ready for this takes a lot of planning. We’re taking a new lens on aging well and broadening our focus beyond being just about money.
We’re proud to introduce the first-of-its-kind Longevity Preparedness Index, which we developed in partnership with the MIT AgeLab. Our study revealed an eye-opening reality—many U.S. adults aren’t as prepared as they should be.1 The LPI was created to help us understand what it takes to thrive as we age. Instead of focusing on just health and wealth, we looked more deeply at the eight domains of behavior that are critical to aging well.
Health |
Finances |
Daily activities |
Social connection |
Care |
Home |
Community |
Life transitions |
If we want to help participants prepare for a longer, healthier, and better retirement, then the focus of our conversations needs to expand and include planning for all domains. We’re excited to share that we’re doing just that by launching solutions, tools, and resources:
Exclusive participant health and wellness offerings—coming soon
Our participants will have access to leading tools and resources that are currently available to our life insurance customers through John Hancock Vitality.
- GRAIL multi-cancer early detection test—Discounts on Galleri®, a simple blood test that screens for early signs of many cancers. John Hancock was the first life insurer to offer customers this test.1
- Garmin products—Discounts on products that support fitness goals. John Hancock Vitality has offered discounted Garmin technology since the program started.1
- Tufts University’s Friedman School of Nutrition guide—Online subscription to a health and nutrition newsletter on living healthier longer. Available to John Hancock life insurance customers since 2016.1
Plan sponsor resources—now available
- Longevity preparedness hub—our centralized longevity preparedness hub to help participants prepare for a better retirement.
- Explore our groundbreaking insight from our LPI, which can serve as a road map on our journey to help participants live longer, healthier, and better lives.
Bookmark our longevity preparedness hub to explore our research and resources. More solutions and tools will be added soon, so check back often.
Disclosure
Disclosure
1 The Longevity Preparedness Index was conducted online and by phone interview in English, sourced through the NORC AmeriSpeak Panel. The sample was a U.S. representative sample comprised 1,307 Americans, age 18 and up, with specific oversamples of non-Hispanic black panelists, Hispanic panelists, and non-Hispanic Asian American and Pacific Islander panelists to ensure adequate sample size for subgroup analysis. During analysis, survey responses were weighted to represent the U.S. population. Survey data were collected from 5/14/25 to 6/5/25, with a median survey length of approximately 25 minutes per respondent.
LPI scores can range from 0 (not at all prepared for longevity) to 100 (completely prepared for longevity). The overall LPI is composed of eight domains. Domain scores are each calculated [JW4] independently and can range from 0 to 100. All eight domain scores were averaged to calculate the overall LPI score. Eight to 26 unique survey items are used to represent preparedness for each domain. Each domain captures positive behaviors toward longevity preparedness and awareness of the importance of a domain. Missing data were handled by imputation based on modal scores by age, gender, and income. Based on respondents aged 65–85, survey items were weighted to indicate their contribution to preparedness within a domain. Items with low weights were removed from score calculation. Behavioral scores (weight 75%) and awareness responses (weight 25%) were combined to create a domain score that can range from 0 to 100.
The Longevity Preparedness Index was developed in collaboration with MIT AgeLab and funded by John Hancock Life Insurance Company (U.S.A.). While financial support was provided for the research, it did not influence the findings, methodology, or conclusions.
Manulife John Hancock is not affiliated with the Massachusetts Institute of Technology (MIT) AgeLab, GRAIL, Garmin, or Tufts University's Friedman School of Nutrition, and none are responsible for the liabilities of the others.
Currently, the Galleri test is only available to registered John Hancock Vitality PLUS members who are 40 years of age or older and have completed the initial Vitality Health Review (VHR). For eligible polices with face amounts of $500,000 in life insurance coverage or greater, 100% of the cost of the test will be subsidized. For policies with face amounts less than $500,000 in life insurance coverage, 50% of the cost of the test will be subsidized. Test eligibility is also subject to GRAIL’s clinically informed criteria, as well as additional cancer risk factors for those ages 40–49. Note: For members with multiple policies, the policy with the highest face amount in life insurance coverage will determine the subsidy amount of the Galleri offer. The offer of discounted access to the Galleri test is subject to change. Access to the Galleri test through the John Hancock Vitality Program is not currently available in all states. The Galleri test is manufactured and distributed by GRAIL, LLC. John Hancock does not provide medical advice, is not involved in the design or manufacture of the Galleri test and is not responsible for the accuracy or performance of the Galleri test.
Life insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.
The content of this webpage is for general information only and believed to be accurate and reliable as of the presentation date but may be subject to change. It is not intended to provide investment, tax, plan design, or legal advice (unless otherwise indicated). Consult your own independent advisor as to any investment, tax, or legal statements made.
Our participant engagement theme this month is staying budget focused and cyber safe. Discover how we’re engaging your participants:
- Financial well-being quarterly newsletter—Share tips with participants on safeguarding their retirement account, preparing for a longer and better retirement, managing their money, and developing good online habits.
- Webinars—Two webinars are back by popular demand: “Making the most of Social Security” in October and “Navigating Medicare” in November. Participants can sign in, then select Webinar in the sidebar on the homepage.
- Advocacy campaign—Encourage your participants to keep connected and stay secure during cybersecurity month by registering their account. Flyers you can share are available in both English and Spanish.
Are retirement plans more effective with the right partners? The role of third-party administrators (TPAs) is about much more than administrative support. Their contributions are reshaping how we think about retirement plan management.
We recently celebrated National TPA Day to recognize the crucial work that TPAs do. Whether it’s handling claims, ensuring compliance, or customizing a plan, TPAs make it easier to design and manage retirement plans to suit plan sponsors’ needs.
Our lockbox address is changing effective November 17, 2025. Update the address where you send your payments now (e.g., checks or money orders) to avoid any disruptions or delays.
The remittance form on our website is being updated. You’ll continue making checks payable (or endorsed) to Manulife John Hancock. Remember to include your full 8- or 9-digit contract number that’s on your contribution submission confirmation on each check.
Any mail that’s sent to the old address will be forwarded temporarily, but future checks may be returned. Manulife John Hancock is not responsible for delays, so update your records promptly.
Interested in a faster, cost-free way to make payments?
You can submit your contributions and payments online. Contact your client service manager to learn more.
If you have any questions, contact your dedicated client service manager or call 800-333-0963.
New lockbox address
| Mailing address | Courier address |
|
|---|---|---|
| USA | John Hancock (USA) P.O. Box 104614 Pasadena, CA 91189-4614 |
JPMorgan Chase Attn: John Hancock (USA) 104614 2710 Media Center Dr. Building # 6, Suite # 120 Los Angeles, CA 90065 |
Looking for a way to save time sending distribution materials to employees who leave your company or retire? Our new website makes the process easy—at no additional cost to you. You can create personalized kits in just minutes.
Retirement plan news heated up over the summer. Join our ERISA specialists as they break down what’s happened and the impact on plan fiduciaries.
You can gain insight on hot topics, including:
- The president’s executive order on alternative investments
- IRS guidance for uncashed distribution checks
- Recent developments in forfeiture litigation
Plus, you’ll learn year-end tips to help you get ready for 2026.
Speakers
- Christopher E. Frank, Head of DC Consulting, Benefits Consulting Group, Manulife John Hancock Retirement
- Tami D. Guimelli, AVP, Associate Chief Counsel, U.S. Retirement Law, Manulife John Hancock Retirement
FOR PLAN SPONSOR USE ONLY. NOT FOR USE WITH PLAN PARTICIPANTS.
Important disclosures
Important disclosures
Please note that it is incumbent on financial professionals affiliated with certain broker-dealer firms to obtain permission from their supervising broker-dealer firm prior to attending this event.
The content of this document is for general information only and is believed to be accurate and reliable as of the posting date, but may be subject to change. It is not intended to provide investment, tax, plan design, or legal advice (unless otherwise indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.
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