You might have heard of insurers discounting the Apple Watch before, but never quite like this. John Hancock is offering all its Vitality life insurance policy holders (including newcomers) an Apple Watch Series 3 for $25 so long as they use it and remain active. Specifically, you have to exercise enough to earn "Vitality Points" that lower or eliminate the monthly installments you'd otherwise be paying. Accrue 500 points per month for 2 years and the smartwatch is yours for no extra cost. That's potentially a big bargain, especially if you're paying for basic coverage -- John Hancock previously offered the not-quite-free wristwear solely to people with policies worth $2 million or more.