Advanced Markets Overview

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2012 01January Quarterly Edition Central Intelligence
Temporary Payroll Tax Cut Approved by Congress & Signed into Law by President, IRS Invites Comments on Tax Treatment of Trust Decanting, Power Retained by Trust Grantor to Substitute Assets of Equal Value for Life Insurance Does Not (Necessarily) Cause Inclusion.

2011 12December Monthly Edition Central Intelligence
Power Retained by Trust Grantor to Substitute Assets of Equal Value for Life Insurance Does Not (Necessarily) Cause Inclusion, Summary Judgement Denied Due to Reasonable Reliance on Counsel, New Guidance on Election of Alternate Valuation Under IRC §2032.

2011 11November Monthly Edition Central Intelligence
New Final Regulations Under IRC §2036, Tax Court Allows Estate Deduction of Interest on Loan from Decedent's Trust, Undiscovered Value of Partnership Assets Included in Decedent's Gross Estate.

Because You Asked - 409A Documentary Correction Guidance
The IRS has recently released guidance that can help plan sponsors and participants amend their deferred compensation plan documents to comply with the requirements of Section 409A.

Because You Asked - Duties of Trustees of Irrevocable Life Insurance Trusts (ILITs)
Discusses the responsibilities of the trustee of an ILIT

Advanced Markets Contact List (December 19, 2011)


Meet The Team
Learn about the John Hancock Advanced Markets Group.


December 2011 Topic of the Month

Click here to find out about 2012 Sales Strategies. •Find out More•


Concept Navigator, Your AM Library on Demand!

Click here to access a virtual library of advanced markets tools •Find out More•




Debt Ceiling Bill (Budget Control Act of 2011) Passed •Find out More•


Planning Opportunities from the 2010 Tax Act.

Planning Opportunities Abound from the passage of the 2010 Tax Act. But time is of the essence. There is a two-year window to take advantage of the benefits of this tax act. Click below to view "Planning Opportunities from the 2010 Tax Act", and our Special Central Intelligence from December 17, 2010 when President Obama signed the bill. •Find out More•


JH Advanced Markets Radio

Today, Dana Fitzsimons, partner with McGuire Woods, LLP, a well respected author and speaker on trustee fiduciary duties, joins Randy Zipse, JD, CPA, to discuss some recent developments in the area of trust case law. •Find out More•


Best of JHAM Radio Volume 5: Special Edition Broadcasts on the 2010 Tax Act.

This CD package of JHAM Radio broadcasts discussing planning opportunities from the 2010 tax Act can be ordered. Discussions with Stephan Leimberg, Larry Brody, Barry Flagg and Lee Slavutin offer insights into the planning options that extend to the life insurance industry. Call your John Hancock representative today or local sales office for a free copy of the Special edition CD set. Order # IM6069CD. •Find out More•


The Advisor Brief

The Advisor Brief NOW an E-Brief! Build relationships and value with our popular on-the-go briefcase. Now an interactive tool that can be personally delivered electronically to your centers of influence —- for one-click access to YOU. This "virtual" collection of Advanced Markets reference tools highlights your access to products and services as you build relationships with other professional advisors on the client advisory team. Stay tuned for more innovative ways this e-brief can be used to help you build your networks. Go to Advisor Brief and take a look. •Find out More•


Invest in Your Lifetime with Protection UL

Go to InvestInYourLifetime.com to use our interactive tool that graphs premium, death benefit, IRRs, cash values and life expectancy •Find out More•


Case in Point Real Life Cases AGENT USE

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Insurance policies and/or associated riders and features may not be available in all states. 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. This material does not constitute tax, legal or accounting advice and neither John Hancock nor any of its agents, employees or registered representatives are in the business of offering such advice. It was not intended or written for use and cannot be used by any taxpayer for the purpose of avoiding any IRS penalty. It was written to support the marketing of the transactions or topics it addresses. Comments on taxation are based on John Hancock’s understanding of current tax law, which is subject to change. Anyone interested in these transactions or topics should seek advice based on his or her particular circumstances from independent professional advisors. Protection UL policies automatically include a no-lapse guarantee called Death Benefit Protection. This feature guarantees that the policy will not default, even if the cash surrender value falls to zero or below, provided that the Death Benefit Protection Value remains greater than zero and policy debt never exceeds the Policy Value. Policyholders who pay only the minimum premium required to keep the Death Benefit Protection in effect may forego the advantage of building significant cash value in this policy. The no-lapse guarantee under the Death Benefit Protection has a maximum duration to age 121. The duration of the no-lapse guarantee coverage may be less, depending upon the funding level chosen by the policyholder. The NLG duration is stated in the contract and reflected in the illustration’s guaranteed net death benefit column. At the end of the NLG duration, premiums greater than those originally illustrated may be required to maintain coverage. Factors such as, but not limited to, the amount and timing of premium payments, loans, withdrawals, or any other change allowed under the contract could potentially terminate the no-lapse guarantee. Once terminated, the Death Benefit Protection feature cannot be reinstated. Policy Form Series: 11PROUL MLINY06101115105

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