Newly enhanced IUL portfolio — offering flexible protection and growth potential
Built smarter. Designed to win. Newly enhanced IUL portfolio.
Extended guarantees
Lifetime guarantees for Protection IUL and age-100 guarantees for Protection SIUL.
SmartStart Segments
Indexed segments start immediately, aligning maturity with the first annual review
Improved performance potential
Enhanced indexed accounts including new SimpleLock and Nasdaq Capped Accounts for greater growth potential
Unmatched underwriting experience
An expanded, modern underwriting approach so more clients can enjoy non-invasive decisions
Robust living-benefits portfolio
Three extended-care options* plus savings and rewards through Vitality PLUS program
Learn more about what our IUL portfolio can offer you and your clients.
JH Illustrator (online version)
Produce client-ready sales illustrations and the application in minutes. JH Illustrator gives you access to:
Enhanced indexed accounts
View the updated indexed account options available through our IUL portfolio — including our newly added SimpleLock Capped Indexed Account designed to help capture upside market performance
The SmartStart Segments advantage
Get the details about this innovative 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.
Protection IUL and Protection SIUL are not available in New York.
Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.
Protection IUL and Protection SIUL policies automatically include a no-lapse guarantee called the Death Benefit Protection rider which is optimized for a guarantee to life expectancy — or, if elected for an additional cost, an Enhanced Death Benefit Protection rider which is optimized for an age-100 guarantee for Protection SIUL and optimized for extended guarantees, through age 100 or beyond for Protection IUL. Both technically provide a guarantee to age 121 if enough premium is paid. Each of these options guarantees that the policy will not default, even if the cash surrender value falls to zero or below, provided that the Net Death Benefit Protection Value remains greater than zero and policy debt does not exceed the policy value. Once terminated, the Death Benefit Protection rider or Enhanced Death Benefit Protection rider cannot be reinstated.
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.
MLINY091426865-1
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.
© 2026 John Hancock Life Insurance Company (U.S.A.). All rights reserved.
