1. 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.
2. The policy offers a guaranteed death benefit provided minimum premium requirements are met. Guarantees are based on the claims paying ability of the issuer.
SUL-G includes a Policy Protection Rider that guarantees 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 this rider is age 121 of the insured (or younger insured if survivorship) but may be shorter. 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 Rider cannot be reinstated.
Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116.