Vitality Program Administration and Process Flashcards
The Vitality (Healthy Engagement Rider) is available on any face amount for permanent products, however, the credits will only apply to the first $20M of death benefit.
True or False
True
A Term with Vitality policy is backdated 4 months to save age. This makes the client ineligible for the 90 day VHR bonus worth 250 points.
True or False
True
LifeTrack billing is available on all policies that have Vitality (Healthy Engagement Rider) and certain permanent products without Vitality.
True or False
True
Vitality is available on policies issued to Foreign Nationals.
True or False
False
A JH client has a life insurance policy with Vitality and also has Vitality available through their employer wellness program. They can earn points in both programs for each qualifying activity.
True or False
True
Please note that each program could have different point values for each activity and require a different amount of points to achieve a status level. For example, they could have a Gold Status with JH but Platinum status with their employer.
What triggers a client to receive the “Way to Go” email communication?
After achieving a Vitality status with encouragement to get to the next level and earn additional premium savings.
If a member is on monthly bank draft and they achieve a different status, their next monthly premium will automatically adjust to reflect the premium change.
True or False
False
Any premium adjustments due to achieving a different status will take effect on the next policy anniversary.
A PUL with Vitality policy is backdated to save age. The requested issue date is April 1, and the policy is approved, issued and delivered to the client on June 15. Based on this information, when does the insured begin with Vitality and how long do they have to earn their Gold Status in policy year 1?
April 1
What step should a client take if their FitBit® breaks?
Client should contact FitBit® customer service where it may be replaced free of charge, if applicable
LifeTrack Billing cannot be added to a policy after it has been issued.
True or False
False
LifeTrack can be added to any available (approved) permanent policy at any time
How many days before policy anniversary will a Vitality policyholder with LifeTrack receive an email of premium update notice?
60 days
How often will a producer receive Vitality Member Engagement Reports on their Vitality policies?
Quarterly
JH will allow a client to upgrade their free Fitbit® by paying the difference between the free device and the retail amount of the device they wish instead.
True or False
False
Additional/alternate devices may be purchased at a discount (25%-40%).
Vitality is available on policies issued to US residents living abroad.
True or False
False
The Vitality (Healthy Engagement Rider) is not available on rated cases.
True or False
False
The HER is available regardless of underwriting classification.
