The John Hancock Trust

Accumulation SVUL
Asset Growth with Income Potential

Protection SVUL
Protection with Cash Value Potential.

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.

Accumulation SVUL
Asset Growth with Income Potential

Accumulation SVUL gives your clients the income they need with the potential for wealth accumulation. Accumulation SVUL also offers your clients the flexibility to adapt to changes in their personal situation.

Check out Accumulation SVUL's:
 
*   Excellent protection and cash value accumulation potential
*   Very competitive in early funding scenarios
*   Competitive target premiums
*   Broad, diversified portfolio offerings
*   Supplemental Face Amount
*   Overloan Protection Rider¹
*   Policy Split Option Rider
*   Cash Value Enhancement Rider
*   Estate Preservation Rider
*   Return of Premium Rider²
*   Zero net cost loans

¹Subject to availability limitations described in the policy. There may be additional costs associated with this 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. Refer to the product prospectus for additional information.

The No-Lapse Guarantee (NLG) is automatically included with Survivorship VUL, Accumulation VUL, and Protection VUL. It guarantees that your policy will not default, even if the cash surrender value falls to zero or below, provided the minimum NLG 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. The duration of the benefit may be shorter in some states. In Illinois the NLG is called "Death Benefit Protection.

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.

MLINY1106078476

Protection SVUL
Protection with Cash Value Potential.

John Hancock's Protection SVUL is an attractive solution for clients who are looking for guaranteed death benefit protection with cash value accumulation potential. It is a particularly appropriate solution in estate planning situations.

Check out Protection SVUL's:
 
*   Extended No-Lapse Guarantee rider with Early Funding Option¹
*   Excellent cash value potential
*   Simplified Investment Management
*   Estate Preservation Rider
*   Cash Value Enhancement Rider
*   Competitive target premiums

¹Guaranteed 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.

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.

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

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.

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

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.