Cost-efficient premiums with death benefit guarantees to age 100
Ability to lower
When your clients engage in the John Hancock Vitality PLUS Program, they can lower their guaranteed premium by up to 25%1 — and earn even more discounts and rewards2
Optional, customizable living benefits to help your clients protect against the unexpected
Fees and expenses
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 sub-accounts, 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.
Please contact 1-800-827-4546 to obtain product and fund prospectuses. The prospectuses contain complete details on investment objectives, risks, fees, charges and expenses as well as other information about the investment company. Please read the prospectuses carefully containing this and other information on the product and the underlying portfolios and consider these factors carefully before investing.