SUL-G
Survivorship Universal Life Protection.

Protection SUL
A Triple Crown Winner

SUL-G
Survivorship Universal Life Protection.

Protection SUL
A Triple Crown Winner

MLINY04251114760

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.

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.

SUL-G offers a choice of 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 (PPRE) requires an additional cost. Policy owners who pay only the minimum premium required to keep the Policy Protection Rider in effect may forego the advantage of building significant value in this policy, and their Policy Value may be insufficient to keep this policy in force beyond the Policy Protection period. Thereafter, premiums significantly higher than the Policy Protection Premium may be required to keep the policy from lapsing. 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 Riders cannot be reinstated.

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.

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.

SUL-G offers a choice of 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 (PPRE) requires an additional cost. Policy owners who pay only the minimum premium required to keep the Policy Protection Rider in effect may forego the advantage of building significant value in this policy, and their Policy Value may be insufficient to keep this policy in force beyond the Policy Protection period. Thereafter, premiums significantly higher than the Policy Protection Premium may be required to keep the policy from lapsing. 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 Riders cannot be reinstated.

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.

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.

SUL-G offers a choice of 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 (PPRE) requires an additional cost. Policy owners who pay only the minimum premium required to keep the Policy Protection Rider in effect may forego the advantage of building significant value in this policy, and their Policy Value may be insufficient to keep this policy in force beyond the Policy Protection period. Thereafter, premiums significantly higher than the Policy Protection Premium may be required to keep the policy from lapsing. 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 Riders cannot be reinstated.

10PROSULG
06PPR-S
06PPRE-S
06PPRF-S

10PROSULG
06PPR-S
06PPRE-S
06PPRF-S

10PROSULG
06PPR-S
06PPRE-S
06PPRF-S

Some riders may have additional fees and expenses associated with them.

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The Quit Smoking Incentive treats all Standard and Preferred Smokers as Standard Non Smokers for the first three years. For these three years, a policy owner who is issued a policy with the insured classified as a Smoker will pay Non Smoker current account rates (surrender charges, Per $1,000 BFA and cost-of-insurance). If the insured provides satisfactory evidence of having quit smoking for a period of 12 months within the first three years, the policy will be re-classified as Non Smoker, and policy values will reflect Standard Non Smoker rates. If the insured fails to quit smoking, future policy values will reflect Smoker current account charges.

Some riders may have additional fees and expenses associated with them.

10PROSULG
06PPR-S
06PPRE-S
06PPRF-S

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Protection SUL-G offers a choice of 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 Policy Protection Rider issued with the policy cannot be changed after issue. The maximum duration of each of the riders is age 121, but may be shorter depending upon the level of funding. The initial duration of the guarantee on a specific policy will be shown on both the illustration signed at policy issue and on page 3 of the policy contract. The Policy Protection Rider Enhanced (PPRE) requires an additional cost. Policy owners who pay only the minimum premium required to keep the Policy Protection Rider in effect may forego the advantage of building significant value in the policy, and the Policy Value may be insufficient to keep the policy in force beyond the Policy Protection period. Thereafter, premiums significantly higher than the Policy Protection Premium may be required to keep the policy from lapsing. 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 this guarantee. Once terminated, the Policy Protection Rider cannot be reinstated.

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.

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

The Quit Smoking Incentive treats all Standard and Preferred Smokers as Standard Non Smokers for the first three years. For these three years, a policy owner who is issued a policy with the insured classified as a Smoker will pay Non Smoker current account rates (surrender charges, Per $1,000 BFA and cost-of-insurance). If the insured provides satisfactory evidence of having quit smoking for a period of 12 months within the first three years, the policy will be re-classified as Non Smoker, and policy values will reflect Standard Non Smoker rates. If the insured fails to quit smoking, future policy values will reflect Smoker current account charges.

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.

MLINY12271116068

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.

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.

MLINY03161114485

10PROSULG

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.

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.
 

10PROSULG

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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.

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.
 

10PROSULG

MLINY11041013870

MLINY04271114777

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.

Policy Form Series:
11PROUL

For Agent Use Only. Not For Use With The Public.

Some riders may have additional fees and expenses associated with them.

Insurance policies and/or associated riders and features may not be available in all states.

Protection SUL 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 of the younger insured. 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.

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.

MLINY07071115231

Policy Form Series:
11PROUL

Policy Form: 09ACCUL
Rider Form Series: 09CVER

Protection SUL policies automatically include a no-lapse guarantee (NLG) 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 the younger insured’s 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.

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

Trusts should be drafted by an attorney familiar with such matters in order to take into account income and estate tax laws (including the generation-skipping tax). Failure to do so could result in adverse tax treatment of trust proceeds.

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.

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Policy Form Number: 11PROSUL, 11PROUL

MLINY04251114754

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.

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.

MLINY04251114752

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.

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.

MLINY04251114753

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.

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.