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Introducing Protection VUL 26

With John Hancock’s Protection VUL 26, you can help clients pursue both protection and growth. Designed with stronger guarantees, competitive pricing, and meaningful growth potential, it’s a smarter way to help your clients protect today and plan for tomorrow.  

Customizable benefits and guarantees

Customizable guaranteed-premium solves: including strengthened age-100 guarantees  — combined with unrestricted investment flexibility for added choice and control
Ability to lower guaranteed premiums

Lower guaranteed-premium potential: competitive age-100 guarantee that clients can reduce by up to 25% by engaging in John Hancock Vitality® and making everyday healthy choices
Personalized added protection

Personalized extra protection: choice of customizable living benefits, including a tax‑qualified Long-Term Care rider and an indemnity Chronic Illness rider to help protect against the unexpected

To speak with a John Hancock sales representative about Protection VUL, call 888-266-7498, option 2, or fill out the form below.

Unfortunately, this isn't currently available in your state. If you'd like to continue with the application, we'd be happy to match you with another insurance product that fits your needs.

 

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Talk to us about Protection VUL, 888-266-7498, option 2.

THIS MATERIAL IS FOR INSTITUTIONAL / BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION OR USE WITH THE PUBLIC.
  

Protection VUL policies automatically include a no-lapse guarantee called the Death Benefit Protection rider which is optimized for an age-80 guarantee — or, if elected for an additional cost, an Enhanced Death Benefit Protection rider which is optimized for an age-100 guarantee. Both technically provide a guarantee to age 121 if enough premium is paid. Each of these options guarantees that the policy will not default, even if the cash surrender value falls to zero or below, provided that the Net Death Benefit Protection Value remains greater than zero and policy debt does not exceed the policy value. Once terminated, the Death Benefit Protection rider or Enhanced Death Benefit Protection rider cannot be reinstated. See the product guide for additional details.

 

Premium Savings will apply based on the Status attained by the life insured.

 

Premium savings are in comparison to the same John Hancock life insurance policy without Vitality PLUS. The level of premium savings are cumulative over the life of the policy and will vary based upon underwriting status, issue age, policy type, the terms of the policy and the Vitality Status achieved. Premium savings are only available with Vitality PLUS and may not be applicable to certain products.

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, 200 Berkley Street, Boston, MA 02116.

 

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