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    Protection VUL

    Find out how your clients can lower their guaranteed premiums by up to 25%1 with our all-new variable universal life insurance product

    Protection VUL

    Find out how your clients can lower their guaranteed premiums by up to 25%1 with our all-new variable universal life insurance product

    • Lifetime protection

      Cost-efficient premiums with death benefit guarantees to age 100

    • Ability to lower
      guaranteed premiums

      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

    • Personalized coverage

      Optional, customizable living benefits to help your clients protect against the unexpected

    A couple wearing hiking gear traveling together on a mountain path

    Learn more about Protection VUL and its features

    Download sales guide
    Press release

    Why John Hancock?

    Helps support your clients' long-term wealth & health

    Offering tools, incentives, education and rewards to help your clients reach their financial goals and live longer, healthier lives

    Differentiates you in the marketplace

    Present your clients competitive and innovative product designs and riders

    Offers brand recognition & financial strength

    John Hancock is a well-known insurer with over 155 years of experience

    Already selling John Hancock products?
    Log in to SalesHub

    Variable universal life explained

    • 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.

    • Market risk

      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.

    • Lifetime protection

      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 value

      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.

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

    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.


    1 Vitality PLUS is an optional rider available at an extra cost. 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. Premiums savings are only available with Vitality PLUS.

    2 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 only available to the person insured under the eligible life insurance policy, 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. Protection VUL policies automatically include a no-lapse guarantee called Death Benefit Protection. This feature guarantees that the policy will not default, even if the cash surrender value falls to zero or below, provided that the Death Benefit Protection Value remains greater than zero and policy debt never exceeds the Policy Value. The no-lapse guarantee under the Death Benefit Protection has a maximum duration to age 121. The duration of the no-lapse guarantee coverage may be less, depending upon the funding level chosen by the policyholder. The NLG duration is stated in the contract and reflected in the illustration’s guaranteed net death benefit column. At the end of the NLG duration, premiums greater than those originally illustrated may be required to maintain coverage. Factors such as, but not limited to, the amount and timing of premium payments, loans, withdrawals, or other changes allowed under the contract could potentially terminate the no-lapse guarantee. Once terminated, the Death Benefit Protection feature cannot be reinstated.

    The life insurance policy describes coverage under the policy, exclusions and limitations, what must be done to keep the policy in force, and what would cause the policy to be discontinued. Please contact John Hancock for more information.

    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 are 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:
    21PROVUL, ICC21 21PROVUL

    Rider Form Series:
    20HER; ICC20 20HER
    18VCR, ICC18 18VCR 

    MLINY050421024-1

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