Universal Life (UL)

Protection UL
Protection IUL
Accumulation IUL

Survivorship UL (SUL)

Protection SUL
Protection SIUL


Variable UL

Protection VUL
Accumulation VUL
Accumulation SVUL


Protection Term
Vitality Term



Long-Term Care Rider

Critical Illness Benefit Rider 

John Hancock Variable Insurance Trust





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.

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.

Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock.


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Whether focused on no-lapse guarantee security, affordability or growth potential, our complete single life and survivorship portfolios can be tailored to meet your clients' unique needs.