Providing financial protection and security for your whole life.

The need for life insurance lasts a lifetime. Whole life insurance provides permanent protection for your family. The cost of whole life follows a specified premium schedule and your policy's value grows tax deferred basis. But that's not all you get with John Hancock.

Why would I want whole 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 is 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 simple way to meet vital objectives Whole life is straightforward. It offers a guaranteed death benefit and the means to accrue cash values over time, on a tax deferred basis.

Security you can count on. Security depends upon strength and stability. You'll find it here. 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 59 1/2. Cash value available for loans and withdrawals may be more or less than originally invested.

Policy Form Series Number
07PROWL

LEARN THE BASICS