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

Variable universal life insurance has annual fees and expenses associated with it in addition to life insurance related charges (which differ with the product chosen), including surrender charges and investment management fees. Variable universal life insurance products are long-term contracts and are sold by prospectus. They are subject to market risk due to the underlying sub-accounts, and are unsuitable as a short term savings vehicle. The primary purpose of variable universal life insurance is to provide lifetime protection against economic loss due to the death of the insured person. Cash values are not guaranteed if the client is invested in the investment accounts. There are risks associated with each investment option, and the policy may lose value.

Please contact 1-800-448-1616 option 2-3 to obtain product and fund prospectuses. The prospectus contains complete details on investment objectives, risks, fees, charges and expenses as well as otherinformation about the investment company. Please read the prospectuses carefully containing this andother information on the product and the underlying portfolios and consider these factors carefully before investing.

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, NY10595and securities offered through John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 197 Clarendon Street, BostonMA02116