Newly enhanced IUL portfolio — offering flexible protection and growth potential
Built smarter. Designed to win. Newly enhanced IUL portfolio.
SmartStart Segments — Indexed account segments can start the date the initial premium is paid, aligning the first-segment maturity with the first statement for a clearer and more transparent annual review
Improved performance potential— Enhanced indexed account parameters can lead to stronger policy performance. Now offering "smarter" growth potential through SimpleLock Capped Indexed Account
Unmatched underwriting experience — Streamlined underwriting with John Hancock Express Track®, our exam- and lab-free accelerated underwriting approach, now available for face amounts up to $5M for single life policies
Robust living-benefits portfolio — Three strong extended-care options* on our single life IUL products along with savings and rewards for healthy choices through Vitality PLUS program
Learn more about what our IUL portfolio can offer you and your clients.
JH Illustrator (online version)
An online version of JH Illustrator which provides you with what you need to produce a complete sales illustration plus the application. It includes:
Enhanced indexed accounts
View the updated indexed account options available through our IUL portfolio.
The SmartStart Segment advantage
Get the details about this new policy-management feature
Strength. Stability. John Hancock.
With over 160 years of experience, John Hancock offers customers a diverse range of insurance products and services through its extensive network of employees, agents, and distribution partners.
FOR AGENT USE ONLY. THIS MATERIAL MAY NOT BE USED WITH THE PUBLIC.
Insurance policies and/or associated riders and features may not be available in all states.
*Extended-care options vary by product and are available on select single life Indexed Universal Life (IUL) policies.
Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock.
ExpressTrack is not available in New York. Consumers, 18-60, and applying for single-life coverage up to $5 million are eligible for ExpressTrack, with an opportunity for certain applicants to obtain an instant underwriting decision.
Protection IUL and Protection SIUL are not available in New York.
There is risk as the performance of the underlying index may result in low segment interest credits that would require an increase in premium payments in order to keep the policy in force. Low interest credits may also affect the potential growth of the policy’s cash value.
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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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.
© 2026 John Hancock Life Insurance Company (U.S.A.). All rights reserved.
