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.

Insurance policies and/or associated riders and features may not be available in all states.

10PROSULG

MLINY02081318201

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.

Insurance policies and/or associated riders and features may not be available in all states.

10PROSULG

MLINY02081318202

The Quit Smoking Incentive treats all Standard and Preferred Smokers as Standard Non Smokers for the first three years. For these three years, a policy owner who is issued a policy with the insured classified as a Smoker will pay Non Smoker current account rates (surrender charges, Per $1,000 BFA and cost-of-insurance). If the insured provides satisfactory evidence of having quit smoking for a period of 12 months within the first three years, the policy will be re-classified as Non Smoker, and policy values will reflect Standard Non Smoker rates. If the insured fails to quit smoking, future policy values will reflect Smoker current account charges.

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

10PROSULG
13PPR

MLI12061217816

Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116.

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.

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.

Protection 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 each of this rider is age 121, but may be shorter depending upon the level of funding. The initial duration of the guarantee on a specific policy will be shown on both the illustration signed at policy issue and on page 3 of the policy contract. 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 the policy, and the Policy Value may be insufficient to keep the 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 could potentially terminate this guarantee. Once terminated, the Policy Protection Rider 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.

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

The Quit Smoking Incentive treats all Standard and Preferred Smokers as Standard Non Smokers for the first three years. For these three years, a policy owner who is issued a policy with the insured classified as a Smoker will pay Non Smoker current account rates (surrender charges, Per $1,000 BFA and cost-of-insurance). If the insured provides satisfactory evidence of having quit smoking for a period of 12 months within the first three years, the policy will be re-classified as Non Smoker, and policy values will reflect Standard Non Smoker rates. If the insured fails to quit smoking, future policy values will reflect Smoker current account charges.

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.

MLINY12071217836

10PROSULG, 10PROULG
13PPR

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.

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.

MLINY03161114485

10PROSULG