So why did lawmakers want to hear from the CEO of a life insurance company? Quite simply, there is a role for each of us in helping more Americans live longer, healthier, better lives. In our model, the longer our customers live, the longer we benefit financially. In 2015, we launched John Hancock Vitality, combining traditional life insurance with tools, resources, incentives and rewards to help our customers take small, everyday steps towards longer, healthier, better lives. We have seen firsthand that an incentive-based model can drive meaningful behavior change and support better health outcomes over time.