Protection UL-G
Affordable Protection. Guaranteed.

Accumulation UL
Excellent Cash Accumulation Potential

Performance UL
Affordable Performance. Coverage for Life.

Protection UL-G
Affordable Protection. Guaranteed.

Accumulation UL
Excellent Cash Accumulation Potential

John Hancock’s new Accumulation UL is a highly competitive cash accumulation product that’s targeted for varying financial needs. In particular, it can help to provide exceptionally strong cash values plus high target premiums.

Accumulation UL offers:

*   Outstanding cash values for all ages and funding patterns
*   Excellent potential for high early cash surrender value and retirement income
*   Significantly improved short-pay premium solves
*   High target premiums
*   Cash Value Enhancement rider
*   Return of Premium rider
*   Overloan Protection rider
*   Long-Term Care riders

The life insurance policy describes coverage under the policy, exclusions and limitations, what you must do to keep your policy inforce, and what would cause your policy to be discontinued.  Please contact your licensed agent or John Hancock for more information, costs, and complete details on coverage.  Availability of policies, features, and benefits may vary by state.

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.

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.

The Long-Term Care (LTC) and Long-Term Care (LTC) Continuation riders are accelerated death benefits and may not be available in some states. Maximum face amount: $5 million with LTC rider; $1 million with LTC Continuation rider. These riders are not considered long-term care insurance in some states. When the policy death benefit is accelerated for long-term care expenses, the death benefit is reduced dollar for dollar, and the cash value is reduced proportionately. There are additional costs associated with these riders. The LTC Continuation rider is not available in some states including New York.   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. 

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

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Performance UL
Affordable Performance. Coverage for Life.

John Hancock’s new Performance UL is the lowest cost current assumption UL policy in our portfolio - in many cases the lowest in the industry. Performance UL is extremely competitive for lifetime level-pay scenarios at older ages and now features significant premium reductions at ages 40+!
 
Check out Performance UL’s:
 
*  Premium reductions as much as 12% at issue ages 40-50
*  Competitive level-pay premiums at issue ages 40+
*  A 10-Year No-Lapse Guarantee
*  An excellent low-cost alternative to Guaranteed UL
*  Optional riders for enhanced versatility

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

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.

Some riders may have additional fees and expenses associated with them. 

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

The Long-Term Care (LTC) and Long-Term Care (LTC) Continuation riders are accelerated death benefits and may not be available in some states. Maximum face amount: $5 million with LTC rider; $1 million with LTC Continuation rider. These riders are not considered long-term care insurance in some states. When the policy death benefit is accelerated for long-term care expenses, the death benefit is reduced dollar for dollar, and the cash value is reduced proportionately. There are additional costs associated with these riders. The LTC Continuation rider is not available in some states including New York.   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. 

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

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.

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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.

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

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.

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

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.

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

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.

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

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.

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

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.

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

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.

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

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.

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

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.

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

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.

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

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.

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

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.

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

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

Seniorlink is the current referral service provider for John Hancock.  This program may be changed or discontinued at any time and is not affiliated with John Hancock and its affiliates.

Some riders may have additional fees and expenses associated with them.

The Long-Term Care (LTC) and Long-Term Care (LTC) Continuation riders are accelerated death benefits and may not be available in some states. Maximum face amount: $5 million with LTC rider; $1 million with LTC Continuation rider. These riders are not considered long-term care insurance in some states. When the policy death benefit is accelerated for long-term care expenses, the death benefit is reduced dollar for dollar, and the cash value is reduced proportionately. There are additional costs associated with these riders. The LTC Continuation rider is not available in some states including New York.   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. 

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

Protection UL-G and Protection SUL-G offer a choice of three Policy Protection Riders (PPR, PPRE, and PPRF).   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) requires 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, PPR, PPRE, and Policy Protection Rider Flex (PPRF) cannot be reinstated.  Prior to the Protection Commencement date on the PPRE, the insurance coverage will continue subject to the Grace Period and Termination provisions of the policy.

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Some riders may have additional fees and expenses associated with them.

Seniorlink is the current referral service provider for John Hancock.  This program may be changed or discontinued at any time and is not affiliated with John Hancock and its affiliates.

The Long-Term Care (LTC) and Long-Term Care (LTC) Continuation riders are accelerated death benefits and may not be available in some states. Maximum face amount: $5 million with LTC rider; $1 million with LTC Continuation rider. These riders are not considered long-term care insurance in some states. When the policy death benefit is accelerated for long-term care expenses, the death benefit is reduced dollar for dollar, and the cash value is reduced proportionately. There are additional costs associated with these riders. The LTC Continuation rider is not available in some states including New York.   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. 

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

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

The Long-Term Care (LTC) and Long-Term Care (LTC) Continuation riders are accelerated death benefits and may not be available in some states. Maximum face amount: $5 million with LTC rider; $1 million with LTC Continuation rider. These riders are not considered long-term care insurance in some states. When the policy death benefit is accelerated for long-term care expenses, the death benefit is reduced dollar for dollar, and the cash value is reduced proportionately. There are additional costs associated with these riders. The LTC Continuation rider is not available in some states including New York.   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. 

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

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

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

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.

MLINY11130911815

Seniorlink is the current referral service provider for John Hancock.  This program may be changed or discontinued at any time and is not affiliated with John Hancock and its affiliates.

Some riders may have additional fees and expenses associated with them.

The Long-Term Care (LTC) and Long-Term Care (LTC) Continuation riders are accelerated death benefits and may not be available in some states. Maximum face amount: $5 million with LTC rider; $1 million with LTC Continuation rider. These riders are not considered long-term care insurance in some states. When the policy death benefit is accelerated for long-term care expenses, the death benefit is reduced dollar for dollar, and the cash value is reduced proportionately. There are additional costs associated with these riders. The LTC Continuation rider is not available in some states including New York.   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. 

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

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

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

Policy Form: 08PROULG
Rider Form: 06PPR
08PPRCVA, 06 PPRE
06PPRF, 05LTCR, 08PPRQ

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.

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

Policy Form Series: 09PERFUL
Rider Form Series: 06PERROPR