1. Dollar Cost Averaging does not assure a profit or protect against loss in a declining market.  Systematic investing involves continuous allocation in securities, regardless of price level fluctuations. Interest earned on policy value allocated to the Fixed Account will be credited on a declining balance as a portion of the policy value is transferred from the Fixed Account each month.  Fixed Account rates are annualized and subject to change. Enhanced Fixed Account rate is only available on Accumulation VUL ’09 (09ACCVUL) through December 31, 2009.  After December 31, 2009, policy value allocated to the Fixed Account will receive the then current crediting rate.

For Broker/Dealer Use Only. This material may not be used with the public.

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

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

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 Protection VUL & Protection SVUL. The Extended No-Lapse Guarantee (ENLG) requires an additional cost and is available only on Protection VUL and Protection SVUL. Both riders guarantee that your policy will not default, even if the cash surrender value falls to zero or below, as long as the minimum NLG and/or ENLG premium requirement and the cumulative premium test (performed at the point of lapse) are met. The maximum duration of the NLG is 20 years and may be less at older ages. In Illinois the NLG is called "Death Benefit Protection."

Please contact 1-888-266-7498, option 2 to obtain product and fund prospectuses or if you are interested in obtaining a selling agreement with John Hancock Distributors LLC (for New York, contact 1-800-743-5542, option 5). The prospectuses contain complete details on investment objectives, risks, fees, charges and expenses as well as other information about the investment company. Please advise your clients to carefully read the prospectuses which contain 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.

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

MLINY12030810388