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*Digital process applicable to Accumulation Indexed Universal Life insurance with guaranteed issue (AIUL with GI) and Premier Benefit Indexed Universal Life insurance (PBIUL).

Policy issuance is not guaranteed as any life insurance purchase is subject to completion of an application, which may include health questions, and underwriting approval. John Hancock may obtain additional information, including medical records, to evaluate the application for insurance; and after the policy is issued, to identify any misrepresentation in the application.
The life insurance policy describes coverage under the policy, exclusions, and limitations, what you must do to keep your policy in force, and what would cause your policy to be discontinued. Please contact a licensed agent or John Hancock for more information, costs, and complete details on coverage. Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

Insurance policies and/or associated riders and features may not be available in all states. Additional John Hancock products and optional riders are available for sale outside of your employer. Some riders may have additional fees and expenses associated with them. Refer to the product prospectus for additional information.

Accumulation Indexed Universal Life insurance with guaranteed issue (AIUL with GI), Accumulation Variable Universal Life insurance with guaranteed issue (AVUL with GI) and Premier Benefit Indexed Universal Life insurance (PBIUL) are not available in New York.

Life insurance death benefit proceeds are generally excludable from the beneficiary’s gross income for income tax purposes. There are few exceptions, such as when a life insurance policy has been transferred for valuable consideration. Comments on taxation are based on John Hancock’s understanding of current tax law, which is subject to change. Please consult your tax professional for guidelines specific to your situation.

The policy does not directly participate in any stock or equity investments. Standard & Poor’s®, S&P®, S&P 500®,Standard & Poor’s 500 and 500 are trademarks of Standard and Poor’s Financial Services LLC, a subsidiary of The McGraw-Hill Companies, Inc. John Hancock has been licensed to use the trademarks of S&P index. The Product is not sponsored, endorsed, sold or promoted by the licensors of the indices and they make no representation regarding the advisability of purchasing the Product. You cannot invest directly in the Indices.

Loans and withdrawals will reduce the death benefit and the cash surrender value, and may cause the policy to lapse. Lapse or surrender of a policy with a loan may cause the recognition of taxable income. Withdrawals in excess of the cost basis (premiums paid) will be subject to tax and certain withdrawals within the first 15 years may be subject to recapture tax. Additionally, policies classified as modified endowment contracts may be subject to tax when a loan or withdrawal is made. A federal tax penalty of 10% may also apply if the loan or withdrawal is taken prior to age 59 1/2. Cash value available for loans and withdrawals may be more or less than originally invested. Withdrawals are available after the first policy year.

There is risk as the performance of the underlying index may result in low segment interest credits that would require an increase in premium payments in order to keep the policy in force. Low interest credits may also affect the potential growth of the policy’s cash value.

The Lifestyle Portfolios and the TOPS® ETF portfolios described above are not retail mutual funds and are only available under variable annuity contracts, variable life policies or through participation in tax qualified retirement plans. Although the portfolios’ investment adviser or subadvisers may manage retail mutual funds with similar names and investment objectives, no representation is made, and no assurance is given, that any portfolio's investment results will be comparable to the investment results of any other fund, including other funds with the same investment adviser or subadviser. Past performance is no guarantee of future results.

Allocating net premiums to a Lifestyle portfolios and TOPS® ETF Portfolios are designed to help reduce the market volatility that one may experience through the allocation of premiums to only one or a small number of investment options. There are risks associated with any investment and it is possible to lose money by investing in the Lifestyle portfolios and TOPS^® ETF portfolios.

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 your licensed agent or John Hancock for more information, costs, and complete details on coverage.

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, are subject to change and are not guaranteed to remain the same for the life of the policy. Rewards may vary based on the type of insurance policy purchased for the insured Vitality Program Member.

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.

This material is authorized for distribution only when preceded or accompanied by the appropriate client guide, 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. This material is not intended as investment advice.

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.

MLINY091025707-1