Comments on taxation are based on John Hancock's understanding of current tax law, which is subject to change. No legal, tax or accounting advice can be given by John Hancock, its agents, employees or licensed agents. Prospective purchasers should consult their tax professional for details.

The Long-Term Care (LTC) rider is an accelerated death benefit rider and may not be considered long-term care insurance in some states. There are additional costs associated with this rider. The Maximum Monthly Benefit Amount is $50,000. When the death benefit is accelerated for long-term care expenses it is reduced dollar for dollar, and the cash value is reduced proportionately. Please go to  www.jhsaleshub.com to verify state availability.

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.

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. 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.

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.

MLI021523366-1