Protection SUL-G
Flexible Survivorship Protection. Guaranteed.

Performance SUL
Low-cost coverage.  High cash values.  True versatility.

Protection SUL-G
Flexible Survivorship Protection. Guaranteed.

John Hancock's Protection SUL-G¹ is a competitively designed and priced survivorship universal life policy that provides solid death benefit guarantees² at an affordable premium. It offers adjustable guarantee periods, flexible solves, and guaranteed lifetime coverage through our innovative Policy Protection Riders and Policy Protection Rider Enhanced³, ensuring clients will pay only for the protection they need.

Protection SUL-G also offers a wide variety of features and riders that are ideal for addressing your clients' business planning and wealth transfer needs, such as the equalization of inheritances and providing liquidity to fund the transfer of a closely-held business.

Check out Protection SUL-G’s:

*  Adjustable guarantee periods
*  Very competitive rates for the key 50 - 80 age market
*  High first year target premiums
*  Return of Premium rider
*  Competitive underwriting and high retention limits

^1. 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.

^2. The policy offers a guaranteed death benefit provided minimum premium requirements are met. Guarantees are based on the claims paying ability of the issuer.

^3. Prior to the Protection Commencement date on the Policy Protection Rider Enhanced, the insurance coverage will continue subject to the Grace Period and Termination provisions of the policy.

The Return of Premium Rider allows clients to select a percentage of the premiums paid to be returned to the beneficiaries in addition to the death benefit.  The rider increases the policy death benefit each year by the selected percentage until the insured reaches attained age 100.  There are no further increases after age 100.  There are costs associated with the ROP rider, as well as limitations on the cumulative amount that can be returned. Not available in conjunction with certain other riders.

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Performance SUL
Low-cost coverage.  High cash values.  True versatility.

John Hancock's Performance Survivorship Universal Life (SUL) policy combines low-cost death benefit protection with the potential for cash value accumulation making it an ideal solution for clients who want to ensure that their assets are protected and passed on to their heirs.
 
Check out  Performance SUL’s:
 
*  Competitive lifetime level-pay for issue ages 50-80 (Super Preferred and Preferred          Risk classes)
*  Industry leading 10-pay to endow premium solves with the potential for cash value to      equal premiums paid in year 10 for issue ages 40-70 (non-smoker risk classes)
*  Flexibility to lower annual outlay with premiums assumed beyond Age 100, utilizing      the 2001 CSO Mortality Table.
 

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.

For agent use only.  Not for 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 and securities 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.

Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

The Policy Protection Rider (PPR) is automatically included with Protection UL-G and Protection SUL-G.  Policy Protection Rider Enhanced (PPRE) and Policy Protection Rider Flex (PPRF) require an additional cost and are available only on Protection UL-G and Protection SUL-G.  These riders guarantee that your policy will not default, even if the cash surrender value falls to zero or below, provided the enhanced and flex premium requirements are met.  The maximum duration of these riders is age 121 of the insured (or youngest insured if survivorship) but may be shorter.  Factors such as, but not limited too, the amount and timing of premium payments, loans, withdrawals, or any other change allowed under the contract may impact the period of guaranteed coverage.  Once terminated, PPR, PPRE, and PPRF cannot be reinstated.  Prior to the Protection Commencement date on the PPRE and PPRF, the insurance coverage will continue subject to the Grace Period and Termination provisions of the policy.

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 and securities 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.

Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

The Policy Protection Rider (PPR) is automatically included with Protection UL-G and Protection SUL-G.  Policy Protection Rider Enhanced (PPRE) and Policy Protection Rider Flex (PPRF) require an additional cost and are available only on Protection UL-G and Protection SUL-G.  These riders guarantee that your policy will not default, even if the cash surrender value falls to zero or below, provided the enhanced and flex premium requirements are met.  The maximum duration of these riders is age 121 of the insured (or youngest insured if survivorship) but may be shorter.  Factors such as, but not limited too, the amount and timing of premium payments, loans, withdrawals, or any other change allowed under the contract may impact the period of guaranteed coverage.  Once terminated, PPR, PPRE, and PPRF cannot be reinstated.  Prior to the Protection Commencement date on the PPRE and PPRF, the insurance coverage will continue subject to the Grace Period and Termination provisions of the policy.

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 and securities 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.

Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

The Policy Protection Rider (PPR) is automatically included with Protection UL-G and Protection SUL-G.  Policy Protection Rider Enhanced (PPRE) and Policy Protection Rider Flex (PPRF) require an additional cost and are available only on Protection UL-G and Protection SUL-G.  These riders guarantee that your policy will not default, even if the cash surrender value falls to zero or below, provided the enhanced and flex premium requirements are met.  The maximum duration of these riders is age 121 of the insured (or youngest insured if survivorship) but may be shorter.  Factors such as, but not limited too, the amount and timing of premium payments, loans, withdrawals, or any other change allowed under the contract may impact the period of guaranteed coverage.  Once terminated, PPR, PPRE, and PPRF cannot be reinstated.  Prior to the Protection Commencement date on the PPRE and PPRF, the insurance coverage will continue subject to the Grace Period and Termination provisions of the policy.

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 and securities 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.

Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

The Policy Protection Rider (PPR) is automatically included with Protection UL-G and Protection SUL-G.  Policy Protection Rider Enhanced (PPRE) and Policy Protection Rider Flex (PPRF) require an additional cost and are available only on Protection UL-G and Protection SUL-G.  These riders guarantee that your policy will not default, even if the cash surrender value falls to zero or below, provided the enhanced and flex premium requirements are met.  The maximum duration of these riders is age 121 of the insured (or youngest insured if survivorship) but may be shorter.  Factors such as, but not limited too, the amount and timing of premium payments, loans, withdrawals, or any other change allowed under the contract may impact the period of guaranteed coverage.  Once terminated, PPR, PPRE, and PPRF cannot be reinstated.  Prior to the Protection Commencement date on the PPRE and PPRF, the insurance coverage will continue subject to the Grace Period and Termination provisions of the policy.

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 and securities 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.

Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

The Policy Protection Rider (PPR) is automatically included with Protection UL-G and Protection SUL-G.  Policy Protection Rider Enhanced (PPRE) and Policy Protection Rider Flex (PPRF) require an additional cost and are available only on Protection UL-G and Protection SUL-G.  These riders guarantee that your policy will not default, even if the cash surrender value falls to zero or below, provided the enhanced and flex premium requirements are met.  The maximum duration of these riders is age 121 of the insured (or youngest insured if survivorship) but may be shorter.  Factors such as, but not limited too, the amount and timing of premium payments, loans, withdrawals, or any other change allowed under the contract may impact the period of guaranteed coverage.  Once terminated, PPR, PPRE, and PPRF cannot be reinstated.  Prior to the Protection Commencement date on the PPRE and PPRF, the insurance coverage will continue subject to the Grace Period and Termination provisions of the policy.

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 and securities 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.

Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

The Policy Protection Rider (PPR) is automatically included with Protection UL-G and Protection SUL-G.  Policy Protection Rider Enhanced (PPRE) and Policy Protection Rider Flex (PPRF) require an additional cost and are available only on Protection UL-G and Protection SUL-G.  These riders guarantee that your policy will not default, even if the cash surrender value falls to zero or below, provided the enhanced and flex premium requirements are met.  The maximum duration of these riders is age 121 of the insured (or youngest insured if survivorship) but may be shorter.  Factors such as, but not limited too, the amount and timing of premium payments, loans, withdrawals, or any other change allowed under the contract may impact the period of guaranteed coverage.  Once terminated, PPR, PPRE, and PPRF cannot be reinstated.  Prior to the Protection Commencement date on the PPRE and PPRF, the insurance coverage will continue subject to the Grace Period and Termination provisions of the policy.

Some riders may have additional fees and expenses associated with them.

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Some riders may have additional fees and expenses associated with them.

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¹Protection UL-G and Protection SUL-G offer a choice of Policy Protection Riders. The Policy Protection Riders guarantee that the
policy will not default, even if the cash surrender value falls to zero or below, provided premium requirements are met. The
maximum duration of these riders is age 121 of the insured (or younger insured if survivorship) but may be shorter. The Policy
Protection Rider Enhanced (PPRE) and Policy Protection Rider Quick (PPRQ) require an additional cost. Factors such as, but not
limited to, the amount and timing of premium payments, loans, withdrawals, or any other change allowed under the contract may
impact the period of guaranteed coverage. Once terminated, the Policy Protection Riders cannot be reinstated.

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.

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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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.

Insurance policies and/or associated riders and features may not be available in all states.

Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

Policy Form: 05PROSULG
Rider Forms: 06PPR-S
06PPRE-S

Policy Form: 06PERFSUL
Rider Forms: S137-5us
06PERROPR