Protection VUL
Guaranteed. Competitive. Easy.

Accumulation VUL
Accumulation. Opportunity. Plus.

The John Hancock Trust

Protection VUL
Guaranteed. Competitive. Easy.

Protection VUL reflects the latest in design flexibility and innovation, combining competitively priced death benefit guarantees and growth potential in one simple-to-understand policy.
 
Check out Protection VUL's:
 
*  Dramatically reduced Early Funding ENLG premiums in limited pay scenarios
*  Guaranteed Coverage for life
*  Competitive flexible guarantee durations
*  Excellent Cash Value Accumulation potential
*  Simplified Investment Strategies
*  Innovative LifeCare Benefit Rider
 
 

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."

In order to prevent your policy from lapsing, the minimum No-Lapse Guarantee premium must be met.  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 under this policy.  Once lapsed, the guarantee cannot be reinstated.

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.

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.

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.

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.

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.

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.

Accumulation VUL
Accumulation. Opportunity. Plus.

Accumulation VUL is an attractive solution for clients who are looking for the potential to accumulate considerable cash values and significant retirement income on a tax-favored basis. Additionally, John Hancock is temporarily offering expanded Dollar Cost Averaging¹ options on Accumulation VUL - allowing clients to take advantage of an increased Fixed Account rate!
Check out Accumulation VUL’s:

*  Excellent income and cash value accumulation potential
*  Very competitive in early funding scenarios
*  High target premiums
*  No policy charges after age 100
*  Broad, diversified portfolio offerings
*  Overloan Protection rider
*  Cash Value Enhancement rider
*  LifeCare Benefit riders
*  Return of Premium rider
*  Zero net cost loans
*  Standard Plus risk class

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.

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.

The LifeCare Benefit and LifeCare Benefit Max (LMAX) riders are accelerated death benefits and may not be available in all states. Maximum face amount: $5 million with LifeCare Benefit; $1 million with LMAX rider. The LifeCare Benefit 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 this rider. The LMAX rider is not available in several 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.

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.

Product and product features may not be available in all states.

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 John Hancock Trust

Navigating the Future.
A comprehensive variable life investment platform that guides clients to their long-term goals. Through the John Hancock Trust, your clients have access to one of the industry's leading fund platforms, with 80 underlying investment options - from conservative to aggressive - tailored to meet their financial goals.
 
Check out John Hancock Trust's:
 
*  Select roster of the nation's leading asset managers  
*  Broad, diversified long-term offerings  
*  Lifestyle portfolios that offer immediate diversification through a single investment
*  Investment services including Asset Allocation Balancer and Dollar Cost Averaging

Allocating net premiums to a Lifestyle portfolio is designed to help reduce the market volatility that one may experience through the allocation of premiums to only one or a small number of investment options. There are risks associated with any investment and it is possible to lose money by investing in  the Lifestyle portfolios.

Asset allocation does not ensure a profit or protection against loss.  Please note that asset allocation may not be appropriate for everyone, particularly those interested in directing the underlying portfolio options of their insurance contract on their own.

Dollar Cost Averaging (DCA) does not assure a profit or protect against loss in declining markets.  Since the DCA involves continuous investments in securities regardless of fluctuating price levels of such securities, a purchaser must be willing to continue such purchases through periods of declining prices.

Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.) (not licensed in New York), John Hancock Variable Life Insurance Company (not licensed in New York), John Hancock Life Insurance Company, Boston, MA 02116 and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.  Securities are 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.

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.

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.

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.

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