These competitive flyers have been developed to show how John Hancock’s products are well positioned to edge out the competition by highlighting the competitive strengths of our products.  Check out our latest editions below: Plus, if you need assistance with a competitive life insurance case, the Competitive Services Group (CSG) tracks all major competitors and maintains information on hundreds of industry products — providing responsive, fair, and accurate intelligence on our competition.  The CSG is ready to assist with all of your competitive life insurance cases by phone (617) 572-6672, by fax (617) 572-0236, and by email at JHCompetition@jhancock.com.
			Protection UL-G vs. Sun Life's Universal Protector Protection UL-G vs. Nationwide's YourLife ULtimate UL Protection UL-G vs. Lincoln's LifeGuarantee UL Protection UL-G vs. PruLife's UL Protector Protection UL-G vs. MetLife's Guarantee Advantage UL Protection UL-G vs. Transamerica's TransACE Protection UL-G vs. Hartford's Bicentennial UL Freedom Protection UL-G with the LifeCare Benefit Rider vs. Nationwide's Long-Term Care Rider
			Protection VUL vs. Hartford's Leaders VUL Legacy Protection VUL vs. Nationwide's YourLife Protection VUL Protection VUL vs. Lincoln's VULone 2007
			Protection Whole Life vs. Met Life's Whole Life  Protection Whole Life vs. MassMutual's Whole Life Legacy 100 Protection Whole Life vs. New York Life's Custom Whole Life Protection Whole Life vs. Northwestern's Adjustable CompLife Protection Whole Life vs. Lincoln's MoneyGuard Reserve
			Accumulation VUL vs. Lincon's AssetEdge VUL  Accumulation VUL vs. Nationwide's YourLife Accumulation VUL Accumulation VUL vs. Hartford's Leaders VUL Liberty Accumulation VUL vs. Pacific Life's Select Exec IV
			John Hancock’s Performance UL vs. Pacific Life’s Versa-Flex PRO John Hancock’s Performance UL vs. AXA’s Athena UL Performance UL vs. Lincoln's LifeCurrent UL Performance UL vs. Lincoln's Transamerica's TransUltra SP
			John Hancock's LifeCare Benefit Rider vs. Hartford's LifeAccess Accelerated Benefit Rider John Hancock's LifeCare Benefit Rider vs. AXA's Long-Trem Care Services Rider John Hancock’s LifeCare Benefit Rider vs. Nationwide’s Long-Term Care Rider John Hancock's LifeCare Benefit Rider vs. MoneyGuard Reserve
			Protection SUL-G vs. Lincoln LifeGuarantee SUL

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.

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.

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

1. The No-Lapse Guarantee (NLG) is automatically included with Accumulation SVUL, Protection SVUL, Accumulation VUL, Protection VUL, Performance UL, Performance SUL and Accumulation UL. 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. .  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. 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."

2. 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.

3. Protection UL-G and Protection SUL-G offer a choice 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 and the Policy Protection Rider Quick 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 the Policy Protection Rider cannot be reinstated.

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.

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.