John Hancock reserves the right to modify VUL TargetTrack, and may discontinue its availability, at any time with or without notice.
Asset allocation does not ensure a profit or protect against loss. Whether an asset allocation schedule modeled by VUL TargetTrack will be appropriate for your client depends on many factors, including the specific purposes for purchasing the policy, and your clients other financial resources, obligations and plans. Your client should consider all such factors carefully when deciding whether to elect or to continue any allocation schedule.
Please contact 1-800-827-4546 to obtain product and fund prospectuses (for New York, contact 1-877-391-3748, option 4). The prospectuses contains complete details on investment objectives, risks, fees, charges and expenses as well as other information about the investment company. Please read the prospectuses carefully containing this and other information on the product and the underlying portfolios and consider these factors carefully before investing.
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.
Loans and withdrawals will reduce the death benefit, cash surrender value, and may cause the policy to lapse. Lapse or surrender of a policy with a loan may cause the recognition of taxable income. Policies classified as modified endowment contracts may be subject to tax when a loan or withdrawal is made. A federal tax penalty of 10% may also apply if the loan or withdrawal is taken prior to age 591/2. Cash value available for loans and withdrawals may be more or less than originally invested.
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.