1. Fixed Account rates are annualized and subject to change. The enhanced Fixed Account rate is only available on Accumulation VUL (09ACCVUL), Accumulation SVUL, Protection VUL (09PROVUL) and Protection SVUL cash values through December 31, 2010. After December 31, 2010, policy value allocated to the Fixed Account will receive the then current crediting rate.

Guaranteed 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.

Protection UL-G and Protection SUL-G offer a choice of three Policy Protection Riders (PPR, PPRE, and PPRF).   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 (PPRE) 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, PPR, PPRE, and Policy Protection Rider Flex (PPRF) cannot be reinstated.  Prior to the Protection Commencement date on the PPRE, the insurance coverage will continue subject to the Grace Period and Termination provisions of the policy.

Please contact 1-888-266-7498, option 2 to obtain product and fund prospectuses or if you are interested in obtaining a selling agreement with John Hancock Distributors LLC (for New York, contact 1-800-743-5542, option 5). The prospectuses contain complete details on investment objectives, risks, fees, charges and expenses as well as other information about the investment company. Please advise your clients to carefully read the prospectuses which contain 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 No-Lapse Guarantee (NLG) is automatically included with Performance 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. Once lapsed, the guarantee cannot be reinstated. Some products include a NLG that allows for the policy owner to catch-up on back premiums during the NLG period. The maximum duration of the NLG is 9 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.”  Loans, withdrawals, or the addition of Supplemental Coverage can result in the loss of the NLG.

The No-Lapse Guarantee (NLG) is automatically included with Accumulation VUL, Accumulation SVUL, Protection SVUL, and Protection VUL. It guarantees that your policy will not default, even if the cash surrender value falls to zero or below, provided the NLG cumulative premium test (performed at the point of lapse) is satisfied. 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. Once lapsed, the guarantee cannot be reinstated. The policy owner can catch-up to the NLG premium requirement – interest free – at any time during the NLG period. At ages 70 and below, the NLG duration is the lesser of 20 years or to age 75; above age 70, the NLG duration is 5 years.  The duration of the benefit may be shorter in some states. In Illinois the NLG is called “Death Benefit Protection.”  Loans, withdrawals, or the addition of supplemental coverage can result in the loss of the NLG.

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

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