Here’s how you can sweat your way to a $25 Apple Watch

Written by |

Working out has some obvious benefits that we all appreciate: a healthy body and mind, an active lifestyle and maybe even a slimmer build. But what if you could earn some pretty decent savings throughout the year and get one of the coolest tech devices in the world for free just by being active? Got your attention now?

That’s basically what John Hancock Life Insurance is promoting with a major new health initiative that can not only make customers more fit, but give them an opportunity to earn rewards, up to $600 in savings and a steeply discounted Apple Watch.

John Hancock’s Vitality program is billed as a “new kind of life insurance [that] helps secure your family’s financial future, while offering valuable savings and rewards for the every day things you do to stay healthy.”

Here’s the deal: You can earn an Apple Watch Series 3 with an initial payment of as little as $25 by exercising regularly. If you stop working out, you’ll have to pay for the Apple Watch in installments, based on the number of times you (don’t) exercise. The Series 3 pricing starts at $299 and can climb to more than triple that figure.

John Hancock is also offering members the choice of a Fitbit device, according to the promotion.

Policyholders can also earn up to 15% off on premiums and save up to $600 annually on healthy foods for exercising regularly. Additionally, the insurer is offering huge discounts and rewards through major retailers such as Amazon, iTunes, Royal Caribbean, Hyatt and more.

Insurance companies are giving major incentives to their customers as a way to reduce corporate health care costs. Money expert Clark Howard says the trend has gotten red-hot since Target rolled out a program two years ago to give its employees Fitbits.

Now, Apple, which debuted its watch platform in 2015, wants in on the Fitbit market. Apple sees health and fitness as a clear path forward for its wearables.

The tech giant has been looking to build partnerships with insurers. The Cupertino, California-based company recently met with Aetna to discuss an Apple Watch deal for the insurer’s 23 million members, according to CNBC.

The Apple Watch: A renewed focus on health and fitness

Apple has not been shy about promoting its pricey watch as an active health and fitness tracker. The Series 3 Apple Watch features Gym Connect, which allows users to sync their phones to cardio machines found in fitness centers. The gadget also comes with smart activity coaching, a precision heart rate monitor and improved music interface.


All those features make the Apple Watch the No. 1 watch in the world, according to CEO Tim Cook.

John Hancock is not the only entity that rewards its customers for an active lifestyle:

  • Pact is an app that will pay you for sticking to your fitness goals. The app allows users to make a weekly “pact” with each other and earn real cash if they don’t live up to it.
  • California-based American Specialty Health allows customers to earn rewards just for exercising. Go to to sign up.
  • Healthy Wage designs and organizes weight loss challenges and contests in which participants can win cash prizes for losing weight. You can make a personal challenge, join a team in a weight loss challenge or enlist with a corporate wellness program.
  • GymPact similarly lets you enter a contract with yourself. You agree to pay a fee when you don’t follow a wellness plan that you’ve set up, such as going to the gym. If you follow the plan, you can also earn daily rewards.
  • Dietbet is an app in the App Store and Google Play Store that lets you bet on yourself and split the profits with others you’ve entered into the “game” with. You can also post photos and comments, invite friends to encourage you and get weight-loss tips.

RELATED: Apps that let you earn cash

Welcome bonuses can be a great way to boost the value of a credit card. Best Credit Card Welcome Bonuses for 2022 - If you're in the market for a new credit card in 2022, you may be hoping to cash in on the hundreds of dollars in sign-up bonuses offered to new customers. Welcome bonuses and offers are a marketing tool that…
The best cell phone plans include Tello, Mint Mobile, Visible, T-Mobile, Consumer Cellular and more Best Cell Phone Plans in 2022: The Cheapest Plan for Every Need - Team Clark ranks the best cell phone plans and deals! See our favorites for unlimited data, families and cheap plans starting at $10/month.