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1.  Policy issuance is not guaranteed as any life insurance purchase is subject to completion of an application, including health questions, and underwriting approval. John Hancock may obtain additional information, including medical records, to evaluate the application for insurance; and after the policy is issued, to identify any misrepresentation in the application.
 
2. Second highest of 13 ratings (superior ability to meet ongoing insurance obligations). Financial strength rating is current as of June 30, 2025, is subject to change, and applies to John Hancock Life Insurance Company  (U.S.A.) and John Hancock Life Insurance Company of New York as a measure of each company’s financial ability to pay claims and to honor any guarantees provided by the contract and any applicable optional riders. These companies have also received additional financial strength ratings from other rating agencies. Financial strength ratings are not an assessment, recommendation, or guarantee of specific products, and their investment returns or value do not apply to individual securities held in any portfolio or the practices of an insurance company, and do not apply to the safety and performance of separate accounts.

3. There is risk as the performance of the underlying Index may result in low segment interest credits that would require increase in premium payments in order to keep the policy in force.


4. Within certain limits


5. Interests rates are susceptible to change


6. 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 59 1/2. Cash value available for loans and withdrawals may be more or less than originally invested. Withdrawals are available after the first policy year.


7. Account values vary depending upon the performance of the indexed account options you select


8. 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.

THIS MATERIAL IS FOR INSTITUTIONAL/BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION OR USE WITH THE PUBLIC.
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 LifeCare Long-Term Care rider and the LifeCare Long-Term Care Inflation rider accelerate the death benefit for approved long term care expenses and, depending on the benefit period selected, may also offer an extension of long-term care benefits after the death benefit has been fully accelerated. When the death benefit is accelerated for long-term care expenses, it is reduced dollar for dollar, and the cash value is reduced proportionately. The riders have a maximum monthly benefit amount and are subject to underwriting. There are additional fixed premiums associated with these riders. The riders have exclusions and limitations, reductions of benefits, and terms under which it may be continued in force or discontinued. Consult the state specific Outline of Coverage for additional details.
Variable life insurance is sold by product and fund prospectus, which should be read carefully.  They contain information on the investment objectives, risks, charges and expenses of the variable product and its underlying investment options.  These factors should be considered carefully before investing.
Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock.
John Hancock variable universal life (VUL) products are not available in New York.
Variable universal life insurance has annual fees and expenses associated with it in addition to life insurance related charges.  Variable universal life insurance products are subject to market risk and are unsuitable as a short term savings vehicle.  Cash values are not guaranteed and will fluctuate, and the policy may lose value.
Variable life insurance is sold by product and fund prospectus, which should be read carefully.  They contain information on the investment objectives, risks, charges and expenses of the variable product and its underlying investment options.  These factors should be considered 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, NY 10595.
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