Variable universal life insurance has annual fees and expenses associated with it in addition to life insurance related charges.  Variable universal life insurance products are subject to market risk and are unsuitable as a short term savings vehicle.  Cash values are not guaranteed and will fluctuate, and the policy may lose value.

Variable life insurance is sold by product and fund prospectus, which should be read carefully.  They contain information on the investment objectives, risks, charges and expenses of the variable product and its underlying investment options.  These factors should be considered carefully before investing.

Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. John Hancock Vitality Program rewards and discounts are available only to the person insured under the eligible life insurance policy, may vary based on the type of insurance policy purchased and the state where the policy was issued, are subject to change and are not guaranteed to remain the same for the life of the policy.

Insurance policies and/or associated riders and features may not be available in all states. Protection VUL is not available in New York.
Some riders may have additional fees and expenses associated with them. Refer to the product prospectus for additional information.
Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer. 

Insurance products issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 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.

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