* The John Hancock Vitality PLUS rider has a fee of $2 per month and can be discontinued at any time. If the John Hancock Vitality PLUS rider is not included, the John Hancock Vitality GO rider, which provides a limited suite of rewards and incentives, is included at no additional cost.

1. 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.
2. If available through their employer, 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 $40,000. 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 JHSalesHub.com to verify state availability. In California, the elimination period (waiting period) is 100 dates of service.
3. This material does not constitute tax or legal advice. 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.
4. 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.

FOR AGENT USE ONLY. THIS MATERIAL MAY NOT BE USED WITH THE PUBLIC.
Insurance policies and/or associated riders and features may not be available in all states.
The policy does not directly participate in any stock or equity investments.
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.
Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York).
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