The new Accumulation IUL is even more competitive for all scenarios, with much improved income potential and strong downside protection. Along with unique benefits, such as the John Hancock Vitality Program and Critical Illness Benefit — Accumulation IUL is hard to beat! 

Product Highlights

  • Much improved retirement income potential
  • Strong downside protection in lower return years
  • Updated indexed account options, with a guaranteed multiplier beginning in year 1
  • The John Hancock Vitality Program which offers valuable rewards and discounts for living healthy

Accumulation IUL Webinar- Listen Now

Ready to learn how we’ve made Accumulation IUL even more competitive? Listen to our experts discuss Accumulation IUL’s updated indexed account suite as well as the much improved retirement income solutions on our webinar.


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.

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 59 1/2.

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