Providing protection and an opportunity for growth at the same time.

Variable life insurance does more than protect your family's quality of life should something happen to you. Because a portion of your premium can be invested in stock, bond or money market subaccounts, a variable life policy has the potential to appreciate in value over time.

Why would I want variable life insurance?
John Hancock offers a vast array of investment options managed by some of the nation's leading asset managers. Each group has its own distinct investment options by asset type (for example small, mid and large cap in domestic equity) and by investment style (value, blend and growth).

Security you can count on.
With the guidance of your investment professional, you can build a customized diversified portfolio that is consistent with your investor profile and asset allocation strategy. The John Hancock companies have maintained among the highest claims paying ability and financial strength ratings from the major rating agencies, including Standard & Poor's and Moody's.

Protection VUL

Accumulation VUL

Accumulation SVUL
Accumulation SVUL also offers the flexibility to adapt to changes in your personal situation.

Protection SVUL
John Hancock's Protection SVUL is an attractive solution for clients who are looking for guaranteed¹ death benefit protection with cash value accumulation potential. It is a particularly appropriate solution in estate planning situations.

Variable universal life insurance has annual fees and expenses associated with it in addition to life insurance related charges (which differ with the product chosen), including surrender charges and investment management fees. Variable universal life insurance products are long term contracts and are sold by prospectus. They are subject to market risk due to the underlying subaccounts, and are unsuitable as a short term savings vehicle. The primary purpose of variable universal life insurance is to provide lifetime protection against economic loss due to the death of the insured person. Cash values are not guaranteed if the client is invested in the investment accounts. There are risks associated with each investment option, and the policy may lose value.

¹Guaranteed 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 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.

Policy Form Series Number and Rider Numbers
06ACCVUL, 06ROPR, 05LTCR, 05LMAXR, J142-1, S137-5us, 06OLPR, V125-3, S134-1xx
07SVUL, ENLG, 07ENLGR2, ROP, 06PERROP, R, 06OLPR2, CVE,
S137-5, PSO V124-6, EPR (4 year term) V432-8
05PROVUL, ENLG, 07ENLGR, 05LTCA, 05LMAXR, S134-1xx, 06OLPR2

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