Providing what could be the only life insurance policy you'll ever need. You can customize your policy in many ways through death benefit protection, premium payment choices and optional riders.

The need for life insurance lasts a lifetime. A universal life policy provides permanent protection with the potential to accumulate cash values on a tax deferred basis.

Why would I want universal life insurance?
John Hancock offers a wide range of choices to fit your needs whether you're looking to protect the dream of a college education, or to make sure the money will be available to pay the balance of your mortgage should something happen to you.

Add-ons that add advantages.
John Hancock offers you an array of innovative ways to enhance your policy. Called "riders", these provisions can be purchased to address specific needs, and add protection to the basic policy.

A flexible way to reach your goals.
A universal life policy can be easily modified to meet your changing needs and financial status. With features that allow you to adjust the amount of your coverage, skip payments, and borrow against your cash value subject to certain limits, universal life is for many families the only life insurance policy they'll ever need.

Security you can count on.
John Hancock has the investment expertise to help you maximize the effectiveness of your universal life policy. John Hancock also offers you the strength and stability of an industry leader. In fact, major rating agencies, including Moody's and Standard & Poor's, have consistently ranked John Hancock in the top three life insurance companies for financial strength and stability.

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 591/2. Cash value available for loans and withdrawals may be more or less than originally invested.

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

Policy Form Series Number and Rider Numbers
06ACCUL, 06AULROPR, 06ESVR, 06CVER, 05LTCA,
05LMAXR, J100-109us, 06OLPR2, S134-1xx,
06PERFSUL, #06PE RROPR, #S137-5, #S124-8, #S432-9,
06PERFUL, 06PERROPR, 05LTCR, 05LMAXR, J100-109us,
S137-5us (NY: N137-5ny2) (MD: J137-5md) ,S134-1xx
06PPR-S, ENDORSE-U, 05PROSUL G, 06PPR-S, 06PPRE-S,
S137-5us, S116-18us, J142-1us, S124-8xx, S432-9xx
06PPR-S, 06PROULG, 06PPR-S, 06PPRE-S, J746-35, S137-5,
J116-19, J142-1, 05LTCR, 05LMAXR

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