Discover what John Hancock Employer Solutions can do for your business owner clients
Highly competitive products with tax-deferred growth potential
Depending on your needs choose from flexible solutions designed to meet a variety of financial goals.
Streamlined and guaranteed issue underwriting
Streamlined and guaranteed issue underwriting simplifies the application process, helping to ensure ease and convenience for all participants.
List bill and easy digital application process*
Offering one case-level bill allowing easy administration for the employer and an enhanced digital experience, whether for employee or employer-owned coverage.
John Hancock Vitality
Offers savings and rewards for steps insureds take to live a longer, healthier, better life.
Product options
Accumulation IUL with guaranteed issue
Accumulation IUL-GI offers competitive cash value accumulation with the upside potential of indexed linked performance with the downside protection of a guaranteed 0% floor.
Accumulation VUL with guaranteed issue
Accumulation VUL-GI provides potential for cash value growth, which may help individuals and business clients meet long-term financial goals — such as supplementing retirement income.
Premier Benefit IUL
John Hancock’s Premier Benefit IUL is an indexed universal life insurance policy that may be a valuable tool in helping your clients achieve their financial goals. Offered exclusively through workplace programs, this policy provides a strategic option for enhancing employee benefits and supporting long-term financial planning.
Selling toolkit
Explore our comprehensive toolkit, crafted to support your efforts in promoting to business owners. This kit offers essential resources to streamline your sales process and enhance client engagement.
Business Owner Solution System
As a financial professional advising business owners, you understand the multifaceted role life insurance plays in their lives. Business owners are not only concerned with protecting their own lives but also with safeguarding the well-being of their employees and the continuity of their business. In this presentation, we will introduce the Business Owner Solutions System, which will help us discover the eight different life insurance solutions that could be available to a business owner.
Want to learn more about B.O.S.S.? Call National Sales Support at 888-266-7498 (Option 2) for more information.
Empowering Business Owners: Strategies to Retain Top Talent
Dive into the world of small business owners and the crucial role key executives play in a company’s success. In this episode, Tracey Ullom, Associate Counsel with Advanced Markets at John Hancock, shares her insights on how executive benefit strategies can positively impact a business’s balance sheet.
Live healthy. Get rewarded.
With John Hancock Vitality, Life Insurance goes beyond protection, offering the opportunity to earn rewards for simple, healthy choices made every day.
Looking for more?
Executive Bonus Plans
Unlock the benefits of an Executive Bonus Plan: a tax-efficient way for executives to enhance their financial security
Supplemental Executive Retirement Plans (SERPs)
Read about SERPs from Advanced Markets.
Salary Deferral Plans
Salary deferral plans are designed to help employers reward and retain key employees.
*Digital process applicable to Accumulation Indexed Universal Life insurance with guaranteed issue (AIUL with GI) and Premier Benefit Indexed Universal Life insurance (PBIUL).
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. Refer to the product prospectus for additional information.
Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.
Policy issuance is not guaranteed as any life insurance purchase is subject to completion of an application, which may include 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.
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.
This material does not constitute tax, legal, investment or accounting advice and is not intended for use by a taxpayer for the purposes of avoiding any IRS penalty. Comments on taxation are based on tax law current as of the time we produced the material.
All information and materials provided by John Hancock are to support the marketing and sale of our products and services, and are not intended to be impartial advice or recommendations. John Hancock and its representatives will receive compensation from such sales or services. Anyone interested in these transactions or topics may want to seek advice based on his or her particular circumstances from independent professionals.
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.
Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock.
Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 and securities are offered through John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 197 Clarendon Street, Boston, MA 02116.
MLI101025879-1
This material is for Agent and Institutional / Broker – Dealer use only. Not for distribution or use with the public.
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. Variable insurance products are offered through John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 197 Clarendon Street, Boston, MA 02116.
Insurance policies and/or associated riders and features may not be available in all states.
© 2025 John Hancock Life Insurance Company (U.S.A.). All rights reserved.
