Leverage the fastest-growing segment within today's insurance market

Protection. Growth. Opportunity.

Indexed UL offers clients unique customer value compared to other life insurance products. Highlights include:

Cash value growth potential linked to performance of an index or indices (e.g. S&P 500 or Hang Seng)
Tax-deferred supplemental income potential as well as a smart solution for today’s estate-planning needs
Flexibility to customize a policy to your clients’ needs and add innovative living benefits

20+ years

is the amount of time most Americans will be spending in retirement. Will your clients have saved enough?^*

83% of Americans

felt they would consider life insurance more closely if it was easier to understand.^*

John Hancock IUL Rate Calculator

Select the options below and see a sampling of how John Hancock's Indexed UL products can help meet your client's death benefit protection and retirement income needs.^**

Death Benefit Protection
Retirement Income

Protection IUL

Premium: $1,000 monthly | Risk class: Preferred non-smoker

For Death Benefit solves, age and gender based on options chosen, assuming Preferred Non-Smoker risk class paying premium of $1,000 per month to lifetime. Solving for Max Death Benefit assuming $1 at lifetime using index accounts shown assuming max AG49 rates. This information is provided for discussion purposes only. Not all benefits and values are guaranteed. Values are not guaranteed and certain assumptions are subject to change by the insurer. Actual results may be more or less favorable. Your client may or may not be eligible for this policy and these rates. Specific product and policy elements would be found in a policy illustration provided by an insurer.

Accumulation IUL

Premium: $25,000 to Age 65 | Risk class: Preferred non-smoker

For Income solves, age and gender based on options chosen, assuming Preferred Non-Smoker risk class paying premium of $25,000 a year to age 65. Using Min Non MEC Death Benefit, with a death benefit option change in the optimal year, reducing face to maximize income in optimal year. Solving for maximum distributions for 20 years starting at age 66, using Fixed Index Loans and solving for $1 at lifetime using the index accounts shown assuming max Ag49 rates. This information is provided for discussion purposes only. Not all benefits and values are guaranteed. Values are not guaranteed and certain assumptions are subject to change by the insurer. Actual results may be more or less favorable. Your client may or may not be eligible for this policy and these rates. Specific product and policy elements would be found in a policy illustration provided by an insurer.

Making the sale

Leverage the power that indexed UL can offer to grow your sales and better meet your clients’ needs throughout their lifetime.

Illustration tips

Maximize policy design using these helpful illustration tips.

See an example of how it works

Mastering Indexed UL Sales Presentations:

Download our IUL educational presentations to deepen your product knowledge and help expand your IUL sales today!

For more information about Indexed UL, contact us 888-266-7498, option 2 or fill out the form below.

* Source: 2017 Life Insurance Statistics and Facts, BestLifeRates.org, February 18, 2019. https://www.bestliferates.org/blog/2017-life-insurance-statistics-and-facts/

**The Index Account options may not be available on all products or in all jurisdictions. The Base Index Account options (Base Capped Index Account and Base High Par Index Account) are the only index account options available for new policies issued in New York. Please consult each product’s producer guide for index account availability.

1. Loans and withdrawals will reduce the death benefit and 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. Withdrawals in excess of the cost basis (premiums paid) will be subject to tax, and certain withdrawals within the first 15 years may be subject to recapture tax. Additionally, 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 59½. Withdrawals are available after the first policy year. Index loans and Fixed indexed loans are available after the third policy year.

2. Life insurance death benefit proceeds are generally excludable from the beneficiary’s gross income for income tax purposes. There are few exceptions such as when a life insurance policy has been transferred for valuable consideration. Comments on taxation are based on John Hancock’s understanding of current tax law, which is subject to change.

Standard & Poor’s®, S&P®, S&P 500®, Standard & Poor’s 500 and 500 are trademarks of Standard and Poor’s Financial Services LLC, a subsidiary of The McGraw-Hill Companies, Inc. Hang Seng Index®is a trademark of Hang Seng Data Services Limited. John Hancock has been licensed to use the trademarks of S&P and Hang Seng Index (collectively, the "Indices"). Products are not sponsored, endorsed, sold or promoted by the licensors of the indices and they make no representation regarding the advisability of purchasing Products. You cannot invest directly in the Indices.

MLINY020420011

extension	details
*.exe	Executable file (program)
*.mps	Windows Sharing File allows you to map a Windows network drive to your VPS home directory across the Internet
*.vbs	Script file (Microsoft Visual Basic)
*.avi	Microsoft Audio Video Interleaved file for Windows movie
*.mpg	MPEG Animation (movie file)
*.mpeg	MPEG Animation (movie file)
*.bat	Batch file
*.com	Command file (program)
*.cmd	Command file for Windows NT (similar to a DOS .BAT file), OS/2
*.scr	Screen saver file / Screen Snapshot file / Fax image (Generic) / Debug Source Code (DOS Debug)
*.asf	Microsoft Avanced Streaming Format (movie / music file)
*.mp3	MPEG Audio Layer 3 (AC3) - compressed audio file
*.eml	(Outlook Express Mail Message) file type
*.pif	Program Information File / Compressed archive (Macintosh)
*.scp	Script file
*.shs	Shell scrap file; reportedly used to send "password stealers"
*.swf	Object (ShockWave Flash)

LIFE INSURANCE