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. A test result of “Cancer Signal Not Detected” does not rule out cancer, and in particular the sensitivity rate for detecting cancer in early stages is lower than for later stages. Galleri does not replace routine cancer screenings. Galleri is not a test to rule out genetic or other conditions that may indicate a predisposition to cancer. There is no coordination between John Hancock and any health insurance or other benefits plan you may be enrolled in. You may incur additional costs for diagnostic screenings recommended by your healthcare provider.
Like other medical tests you elect, a decision to take the Galleri test, and the results of the test, may need to be disclosed in an application for insurance coverage, and so could affect your access to future insurance coverage and the price of such coverage.
John Hancock does not receive individual test results from GRAIL, nor does it know which customers have requested or taken the test. Your results will have no impact on your current life insurance coverage. For purposes of research, validation of assumptions and evaluation of future health and wellness offerings, John Hancock may receive aggregated and deidentified data from GRAIL from time to time.
The tax treatment of the Galleri test offered in connection with the Vitality Program is uncertain. At this time, John Hancock does not expect that it will be required to report the value of the Galleri test to the IRS as income to the insured. This material does not constitute tax or legal advice and neither John Hancock nor any of its agents, employees or registered representatives are in the business of offering such advice. You should consult your own tax professional.
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 Vitality Health Review (VHR) for the current Program Year. For eligible polices with coverage amounts of $500,000 or greater, 100% of the cost of the test will be subsidized. For policies with less than $500,000 in 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. Please note: for members with multiple policies, the policy with the highest face amount will determine the subsidy amount of the Galleri offer. The offer of discounted access to the Galleri test is subject to change. Availability of the Galleri test offer from John Hancock may vary by state.
Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. John Hancock Vitality Program rewards and discounts are available only to the person insured under the eligible life insurance policy, may vary based on the type of insurance policy purchased and the state where the policy was issued, are subject to change and are not guaranteed to remain the same for the life of the policy. Life insurance policies and/or associated riders and features may not be available in all states.
Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116.
©2023, GRAIL, LLC. ALL RIGHTS RESERVED. GALLERI IS A TRADEMARK OF GRAIL, LLC. John Hancock is not an affiliate of GRAIL. All product and company names are the trademarks of their original owners. The use of any trade name or trademark is for identification and reference purposes only and does not imply any association with the trademark holder or its product brand.
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