John Hancock Term
Guarantees, Level Premiums.

Protection Whole life
Versatility. Guaranteed

John Hancock Term
Guarantees, Level Premiums.

John Hancock Term is an affordable guaranteed solution for individual or business clients for whom cost is an issue.  Clients can select guaranteed level premiums for 10, 15 or 20 years with the option to convert to permanent protection during the product's conversion period. Policy death benefits are level and guaranteed not to change for the life of the policy; and the Total Disability Waiver rider provides an extra measure of protection.

In addition, John Hancock Term offers:
 
*   Standard Plus risk class
*   Convertibility to any policy within John Hancock's portfolio of competitive
    permanent protection policies - guaranteed
*   Compeititive underwriting
*   Total Disability and Accelerated Benefit Riders
 

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

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

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Protection Whole life
Versatility. Guaranteed

Protection Whole Life is more than a fully guaranteed¹ whole life product that is easy-to-illustrate. It offers affordable lifetime death benefit protection with guaranteed premiums and strong guaranteed cash values. Protection Whole Life often provides guaranteed cash values that equal premiums paid, after 10+ years.

Check out Protection Whole Life’s:

*   Comprehensive competitive premium payment options available for all issue ages;

     Single-Pay, 10-Pay, 15-Pay, 20-Pay, Limited-Pay and Full-Pay  

*   A Long-Term Care rider² to help pay for long term care expenses

*   Guaranteed death benefit protection

*   Strong, guaranteed cash value

*   Simple design

*   Four Non Smoker risk classes including Standard Plus

*   Total Disability Waiver rider

*   Loan capability, including Automatic Premium Loan

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.

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

2. The Long-Term Care (LTC) and Long-Term Care (LTC) Continuation riders are accelerated death benefits and may not be available in some states. Maximum face amount: $5 million with LTC rider; $1 million with LTC Continuation rider. These riders are not considered long-term care insurance in some states. When the policy death benefit is accelerated for long-term care expenses, the death benefit is reduced dollar for dollar, and the cash value is reduced proportionately. There are additional costs associated with these riders. The LTC Continuation rider is not available in some states including New York.   Please go to www.jhsalesnet.com for a complete list of up-to-date state approvals.
 
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.

These riders have exclusions and limitations, reductions of benefits and terms under which the riders may be continued in force or discontinued.  Please contact the licensed agent or John Hancock for more information, cost and complete details on coverage.

Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.

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¹Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

For producer use only.  Not for use with the public.

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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.

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

The IRR on death benefit is equivalent to an interest rate at which an amount equal to the illustrated premiums could have been invested outside the policy to arrive at the net death benefit of the policy.

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 Long-Term Care (LTC) and Long-Term Care (LTC) Continuation riders are accelerated death benefits and may not be available in some states. Maximum face amount: $5 million with LTC rider; $1 million with LTC Continuation rider. These riders are not considered long-term care insurance in some states. When the policy death benefit is accelerated for long-term care expenses, the death benefit is reduced dollar for dollar, and the cash value is reduced proportionately. There are additional costs associated with these riders. The LTC Continuation rider is not available in some states including New York.   Please go to www.jhsalesnet.com for a complete list of up-to-date state approvals.
 
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. 

These riders have exclusions and limitations, reductions of benefits and terms under which the riders may be continued in force or discontinued.  Please contact the licensed agent or John Hancock for more information, cost and complete details on coverage.

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Policy Form: 07PROWL
Rider Forms: S100-54
08WLLTCR