JHT Prospectus

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.

For John Hancock New York forms:  www.johnhancocknewyork.com

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 call 1-800-VARILINE (1-800-827-4546) for additional information.

Please read the Prospectus and client guides carefully before purchasing.

Client guides: Accumulation VUL Client Guide, Protection VUL Client Guide, Accumulation SVULand Protection SVUL