FinFit Life solutions · human guidance
Life insurance that can reward healthy choices. Retirement income designed for the years ahead. One thoughtful plan for both.
01 · A stronger foundation
Most insurance conversations start with a product. Ours starts with your life: the people who depend on you, the future you want, and the healthy years you hope to enjoy.
HFA Life brings together FinFit Life-distributed protection strategies and retirement-income solutions—explained clearly, matched thoughtfully, and reviewed with a licensed professional.
Life insurance
Explore term and permanent life insurance designed to help protect income, preserve family plans, and—on eligible John Hancock policies—reward everyday healthy choices through Vitality.
Annuities
Fixed and fixed indexed annuities may help create tax-deferred accumulation, principal protection subject to contract terms, and optional lifetime-income strategies.
02 · The Vitality difference
Eligible John Hancock life insurance customers earn points for activity, preventive care, healthy food, and other everyday choices. Higher Vitality status can unlock richer benefits.
Vitality PLUS members may earn cumulative savings on eligible John Hancock life insurance premiums through healthy participation.
Choose the latest Apple Watch for an initial $25 plus tax; monthly payments over two years vary with qualifying exercise.
Save on qualifying fresh produce, plus up to $120 monthly on weekly Healthy Savings promoted items.
Eligible Vitality PLUS members can receive a complimentary Headspace subscription for mindfulness and mental wellbeing.
For eligible Vitality members, the Galleri multi-cancer early detection test may be fully subsidized with qualifying $500,000+ coverage—or 50% subsidized below that amount.
Program benefits can include a Quest Diagnostics health check and Vitality points for eligible screenings and other preventive-care actions.
Benefits can include Expedia travel savings, REI and Amazon rewards, plus discounts on Oura, WHOOP, Garmin, and other devices.
Galleri is a screening test—not a cancer diagnosis—and is intended to supplement routine screening recommended by a healthcare provider. Full subsidy requires program and clinical eligibility and generally $500,000+ in qualifying coverage. Current official materials do not list a general gym-membership discount. Eligibility, amount, availability, and terms vary.
03 · Value while you live
Here is one transparent, high-engagement Vitality PLUS scenario. Adjust the annual premium to see how potential premium savings can combine with eligible food rewards and a fully subsidized Galleri test.
Illustrative annual opportunity
This maximum-value illustration assumes the selected annual premium, achievement of 25% premium savings, full use of qualifying food offers, and full Galleri subsidy with eligible $500,000+ coverage. It is not a quote or guarantee. Apple Watch, travel, retail, and other variable or non-annual rewards are intentionally excluded.
How participation works
Your licensed professional confirms which John Hancock policies and Vitality version are available to you.
Complete the Vitality Health Review, connect a supported device if desired, and choose activities that fit your life.
Points from workouts, screenings, healthy food, sleep, and preventive care move you from Bronze toward Platinum.
Access eligible premium savings, devices, food savings, travel offers, retail rewards, and wellbeing resources.
04 · Retirement income
Annuities are long-term insurance contracts—not bank deposits or direct investments in a market index. The right fit depends on income needs, liquidity, time horizon, costs, and the strength of the issuing insurer.
A declared interest rate and contract guarantees can provide predictability for a portion of retirement savings.
Interest is linked to an index formula, typically with downside protection from direct market loss—along with caps, participation rates, and other limits.
Immediate or deferred income options can convert a premium into scheduled payments, including choices designed to last for life.
05 · The HFA Life approach
We translate complex contracts into a decision you can explain back in plain English.
Map the people, income, obligations, and ambitions your plan needs to support.
Review suitable structures, carrier options, costs, guarantees, and tradeoffs.
Build a protection and income strategy aligned to your budget and timeline.
Review the plan as your family, health, goals, and retirement picture evolve.
Your next step
Share what you want to protect or prepare for. A licensed professional can help you understand which options may deserve a closer look.
06 · Good questions
No. HFA Life is an independent insurance advisory brand. Policies are issued by licensed insurance companies, and FinFit Life operates as a marketing/distribution organization. Carrier, product, and advisor availability varies by state.
No. Vitality GO and Vitality PLUS benefits differ, and eligibility depends on policy type, state, coverage amount, program registration, and participation. Rewards can change and are not guaranteed for the life of a policy.
An annuity is a contract with an insurance company. Fixed and fixed indexed annuities can offer tax-deferred accumulation and optional income features, but they also involve limits, surrender periods, and insurer claims-paying risk.
We clarify who and what you want to protect, your time horizon, income goals, liquidity needs, and comfort with tradeoffs. Then a licensed professional can explain suitable options and their costs without pressure.