Protection UL-G
Affordable Protection. Guaranteed.

Accumulation UL
Excellent Cash Value. Early Years. All Years.

Performance UL
Affordable Performance. Coverage for Life.

Protection UL-G
Affordable Protection. Guaranteed.

Protection UL-G is a competitively designed and priced universal life policy that offers solid death benefit guarantees¹ at an affordable premium. With spreadsheet-leading level pay premiums for the top three risk classes at ages 50 - 90 and premium quotes as close as your Blackberry (or any other handheld device or Internet-enabled cell phone), Protection UL-G sets new standards for guaranteed UL!

Check out Protection UL-G's:

*  Excellent premium solves
*  Guaranteed lifetime coverage (subject to required funding)
*  Standard Plus risk class premiums
*  Design flexibility of our three Policy Protection Riders (Basic, Enhanced, and Flex)
*  Cash Value Enhancement Rider
*  Return of Premium Rider
*  Innovative LifeCare Benefit Rider
*  Blackberry, PDA or Internet-enabled cell phone premium quotes @
   www.ehansel.com/mobile 

¹Guarantees  are based on the claims-paying ability of the issuer.
The policy offers a guaranteed death benefit provided minimum premium requirements are met. 

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.

Accumulation UL
Excellent Cash Value. Early Years. All Years.

John Hancock’s Accumulation UL provides comprehensive death benefit protection with some of the most highly competitive cash value accumulation in the industry.  These features, combined with outstanding design flexibility, make Accumulation UL ideal for your highly funded cash accumulation sales needs.

Accumulation UL offers:

*   Competitive high early cash values
*   Consistent cash values in all years
*   Excellent source of supplemental retirement income
*   Supplemental Face Amount for added flexibility
*   Optional Cash Value Enhancement rider
*   Optional Return of Premium rider
*   Innovative LifeCare Benefit rider

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.

This rider has exclusions and limitations, reduction 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.

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 are additional costs associated with this rider.

The LMAX rider is not available in CT, FL, MN, NJ, NY, NC, OR, PA, PR, TX, UT, VT, and WA. It is available only with the LifeCare Benefit rider and is not available on policies with face amounts greater than $1 million at issue. Total additional maximum benefit amount extended for long term care reimbursement equals the initial death benefit (not to exceed $1 million). There are additional costs associated with this rider.

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.

Performance UL
Affordable Performance. Coverage for Life.

Introducing John Hancock's new Performance UL - the lowest cost permanent life insurance policy in our portfolio. In many cases, it's the lowest cost current assumption UL product in the industry - especially at older ages. Performance UL captures top-of-spreadsheet positioning for lifetime level-pay premium solves for Super Preferred, Preferred and Standard Plus risk classes at ages 50+.
 
Check out Performance UL’s:
 
*  Industry-leading premiums
*  New Standard Plus Non Smoker risk class
*  Low-cost death benefit protection
*  Optional riders for enhanced versatility