For Agent Use Only. This material may not be used with the public.

Performance UL policies automatically include a no-lapse guarantee called the Death Benefit Protection feature. 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. For Issue Ages 60 or below, the no-lapse guarantee under the Death Benefit Protection is the greater of 30 years or to age 80; for Issue Ages 61–90 the guarantee is the greater of 10 years or to age 90. For all issue ages, if the Return of Premium rider is elected, the no-lapse guarantee period will be 2 years. 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.

Performance SUL policies automatically include a no-lapse guarantee called the Death Benefit Protection feature. 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. For all Issue Ages, the no-lapse guarantee under the Death Benefit Protection is the greater of 10 years or to age 90 (of the younger insured). For all issue ages, if the Return of Premium rider is elected, the no-lapse guarantee period will be 2 years. 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.

LifeCare is single-premium whole life insurance policy with long-term care benefits.

LifeCare cannot be exchanged for any other John Hancock insurance product and replacement of LifeCare for a different John Hancock insurance product will require full underwriting.

LifeCare, the Acceleration rider, and the Continuation rider may not all be available in some states. The Acceleration rider is automatically included with every LifeCare policy, and the Continuation rider is optional. There are additional costs associated with these riders that are included in the single premium. LifeCare with the Acceleration and/or Continuation rider is not considered long-term care insurance in some states. When the death benefit is accelerated for long-term care expenses, the death benefit is reduced dollar for dollar, and the policy cash value is reduced proportionally.  Please go to www.jhsalesnet.com for the most current 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.

The Acceleration rider has exclusions and limitations, reductions of benefits, and terms under which it may be continued in force or discontinued. Consult the state specific Outline of Coverage for additional details.

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.

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

Policy Form:  10PERFUL
ICCIOPERUL

Policy Form: 10PERFSUL
Rider Forms: 08PROROPR

Policy Form Series:
09SPWL & ICC09 09SPWL
Rider Form Series:
09WLLTCR

MLINY08101013357