Premier Life is a Flexible premium adjustable life insurance policy. Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

Premier Life policies automatically include a no-lapse guarantee called the Death Benefit Protection (DBP) feature. This feature guarantees that the policy will not default until the insured reaches attained age 100, even if the cash surrender value falls to zero or below, provided that the DBP Value remains greater than zero and policy debt never exceeds the Policy Value. Policy owners who pay only the minimum premium required to keep the Death Benefit Protection in effect may find the Policy Value to be insufficient to keep the policy in force beyond the DBP period (a maximum of age 100). Thereafter, premiums significantly higher than the DBP Premium may be required to keep the policy from lapsing at the end of the DBP period. 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 DBP Feature prior to age 100. Once terminated, the DBP feature 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. The Long-Term Care (LTC) rider is an accelerated death benefit rider and may not be available in some states. Maximum face amount is $5 million with the LTC rider. The LTC 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 cash value is reduced proportionally. The policy account value is also reduced proportionally. There are additional costs associated with this rider.

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.

This rider has exclusions and limitations, reductions of benefits, and terms under which the rider may be continued in force or discontinued. Please contact the licensed agent or John Hancock for more information, cost, and complete details on coverage. The Return of Premium Rider allows clients to select a percentage of the premiums paid to be returned to the beneficiaries in addition to the death benefit. There are costs associated with the ROP rider, as well as limitations on the cumulative amount that can be returned. Not available in conjunction with certain other riders. Overloan Protection Rider is subject to availability limitations described in the policy.

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.

MLINY09301115658

Policy Form Series: 11PRLIFE
Rider Form Series:05LTCR

Premier Life is a Flexible premium adjustable life insurance policy.

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.

MLINY09301115645

Policy Form Series: 11PRLIFE
Rider Form Series: J142-1

Premier Life is a Flexible premium adjustable life insurance policy.

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

Premier Life policies automatically include a no-lapse guarantee called the Death Benefit Protection (DBP) feature. This feature guarantees that the policy will not default until the insured reaches attained age 100, even if the cash surrender value falls to zero or below, provided that the DBP Value remains greater than zero and policy debt never exceeds the Policy Value. Policy owners who pay only the minimum premium required to keep the Death Benefit Protection in effect may find the Policy Value to be insufficient to keep the policy in force beyond the DBP period (a maximum of age 100). Thereafter, premiums significantly higher than the DBP Premium may be required to keep the policy from lapsing at the end of the DBP period. 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 DBP Feature prior to age 100. Once terminated, the DBP feature 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.

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.

MLINY11181115911

Policy Form Series: 11PRLIFE

Premier Life is a Flexible premium adjustable life insurance policy.

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.

MLINY09301115644

Policy Form Series: 11PRLIFE
Rider Form Series: J142-1

Premier Life is a Flexible premium adjustable life insurance policy.

The Return of Premium Rider allows clients to select a percentage of the premiums paid to be returned to the beneficiaries in addition to the death benefit. There are costs associated with the ROP rider, as well as limitations on the cumulative amount that can be returned. Not available in conjunction with certain other riders.

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

Premier Life policies automatically include a no-lapse guarantee called the Death Benefit Protection (DBP) feature. This feature guarantees that the policy will not default until the insured reaches attained age 100, even if the cash surrender value falls to zero or below, provided that the DBP Value remains greater than zero and policy debt never exceeds the Policy Value. Policy owners who pay only the minimum premium required to keep the Death Benefit Protection in effect may find the Policy Value to be insufficient to keep the policy in force beyond the DBP period (a maximum of age 100). Thereafter, premiums significantly higher than the DBP Premium may be required to keep the policy from lapsing at the end of the DBP period. 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 DBP Feature prior to age 100. Once terminated, the DBP feature 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.

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.

 MLINY041713109

Policy Form Series: 11PRLIFE
Rider Form Series: J142-1