1. Subject to availability limitations described in the policy. There may be additional costs associated with this rider.
2. Protection UL-G and Protection SUL-G offer a choice of Policy Protection Riders. The Policy Protection Riders guarantee that the policy will not default, even if the cash surrender value falls to zero or below, provided premium requirements are met.  The maximum duration of these riders is age 121 of the insured (or younger insured if survivorship) but may be shorter.  The Policy Protection Rider Enhanced (PPRE) and Policy Protection Rider Quick (PPRQ) require an additional cost. Factors such as, but not limited to, the amount and timing of premium payments, loans, withdrawals, or any other change allowed under the contract may impact the period of guaranteed coverage.  Once terminated, the Policy Protection Riders cannot be reinstated.

Insurance policies and/or associated riders and features may not be available in all states.

Some riders may have additional fees and expenses associated with them.  Refer to the product prospectus for additional information.

Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

Please contact 1-800-827-4546 to obtain product and fund prospectuses (for New York, contact 1-877-391-3748, option 4).  The prospectuses contains complete details on investment objectives, risks, fees, charges and expenses as well as other information about the investment company. Please read the prospectuses carefully containing this and other information on the product and the underlying portfolios and consider these factors carefully before investing.

Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595 and securities offered through John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 197 Clarendon Street, Boston, MA 02116.

The Quit Smoking Incentive treats all Standard and Preferred Smokers as Standard Non Smokers for the first three years. For these three years, a policy owner who is issued a policy with the insured classified as a Smoker will pay Non Smoker current account rates (surrender charges, Per $1,000 BFA and cost-of-insurance). If the insured provides satisfactory evidence of having quit smoking for a period of 12 months within the first three years, the policy will be re-classified as Non Smoker, and policy values will reflect Standard Non Smoker rates. If the insured fails to quit smoking, future policy values will reflect Smoker current account charges.

Variable universal life insurance has annual fees and expenses associated with it in addition to life insurance related charges (which differ with the product chosen), including surrender charges and investment management fees. Variable universal life insurance products are long-term contracts and are sold by prospectus.  They are subject to market risk due to the underlying sub-accounts, and are unsuitable as a short term savings vehicle. The primary purpose of variable universal life insurance is to provide lifetime protection against economic loss due to the death of the insured person.  Cash values are not guaranteed if the client is invested in the investment accounts.  There are risks associated with each investment option, and the policy may lose value.

The No-Lapse Guarantee (NLG) is automatically included with Accumulation VUL, Accumulation SVUL, Protection SVUL, and Protection VUL. It guarantees that your policy will not default, even if the cash surrender value falls to zero or below, provided the NLG cumulative premium test (performed at the point of lapse) is satisfied. At the end of the No-Lapse Guarantee period, the policy value may be insufficient to keep the policy in force. Thereafter, premiums significantly higher than the No-Lapse Guarantee premium may be required to keep the policy in force. If you pay only the premium to satisfy the No-Lapse Guarantee, you may be foregoing the advantage of building up policy value. Once lapsed, the guarantee cannot be reinstated. The policy owner can catch-up to the NLG premium requirement – interest free – at any time during the NLG period. At ages 70 and below, the NLG duration is the lesser of 20 years or to age 75; above age 70, the NLG duration is 5 years.  The duration of the benefit may be shorter in some states. In Illinois the NLG is called “Death Benefit Protection.”  Loans, withdrawals, or the addition of supplemental coverage can result in the loss of the NLG.

LifeCare Benefit is an accelerated death benefit rider and may not be available in all states.  Maximum face amount $5 million with LifeCare Benefit. The LifeCare Benefit is not considered long term care insurance in all states. When the death benefit is accelerated for long term care expenses, the death benefit is reduced dollar for dollar, and the cash value is reduced proportionally.  The policy account value is also reduced proportionally.  There may be additional costs associated with this rider.  Please go to www.jhsalesnet.com for a complete list of up-to-date state approvals.

For prospective policyholders in New York, this product is a life insurance policy that accelerates the death benefit for qualified long term care services and is not a health insurance policy providing long term care insurance subject to the minimum requirements of New York Law, does not qualify for the New York State Long Term Care Partnership program and is not a Medicare supplement policy.

This rider has exclusions and limitations, reductions of benefits, and terms under which the rider may be continued in force or discontinued. Please contact the licensed agent or John Hancock for more information, cost, and complete details on coverage.

Policy Form: 07PROWL
Rider Forms: S100-54
08WLLTCR

Policy Form: 05PROSULG
Rider Forms: 06PPR-S
06PPRE-S

Policy Form: 09ACCUL
Rider Form Series: 09CVER
05LTCR05LMAXR07MROPR

Rider Form: 05LTCR
08WLLTCR

MLINY05050911025