ACCUMULATION ACCUMULATION VUL. Opportunity for today. Planning for the future. CONSUMER GUIDE

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1 CONSUMER GUIDE ACCUMULATION ACCUMULATION VUL Opportunity for today. Planning for the future. LIFE /15 JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK

2 Accomplish More You need life insurance to protect your family s financial well-being, but you also want the opportunity to grow your assets for the future. John Hancock s Accumulation VUL 1 is life insurance that can do both a single product that combines death benefit protection with the potential for wealth accumulation. Accumulation VUL can: Provide supplemental retirement income potential for you Help secure your family s financial future If you own a company, you may have even more to consider. Working with your financial professional, you can use this policy to help you with: Key executive protection Bonus plans Deferred compensation plans Supplemental executive retirement plans College funding

3 You want the most for your family, for your business, or for both. That means you have a lot on your mind: protecting the financial future of your family or business. Planning for a well deserved retirement. Ensuring your independence and your assets after you retire. It sounds complicated, but it doesn t have to be. There are ways you can enhance your wealth, as well as preserve it. Protection for what you ve achieved. Plus the potential to accumulate more. INSURANCE PRODUCTS: Not FDIC Insured Not Bank Guaranteed May Lose Value Not a Deposit Not Insured by Any Federal Government Agency

4 CONSUMER GUIDE Accumulation VUL 3 What is variable universal life insurance? Variable universal life (VUL) is a permanent life insurance product which pays a death benefit as long as there is sufficient value in the policy and the policy has not lapsed. Premiums are invested in your choice of investment options, and potential growth is generally tax-deferred. VUL products are subject to investment risk, including loss of principal, and past performance is not a guarantee of future results. In addition, under performance of the investment options may cause the policy to lapse if no underlying no-lapse guarantee is in effect. As the policy owner, you have access to the policy s account value through policy loans and with drawals. However, loans and withdrawals from a VUL policy will reduce the policy s account value and death benefit. Depending upon the performance of the investment options, the policy value available for loans and withdrawals may be more or less than the original amount invested in the policy. Keep in mind, there may be tax penalties and fees associated with the use of loans and withdrawals. Here s how it works: You Pay Premiums to Buy Life Insurance Premium Charge Deducted Accumulation VUL offers death benefit protection for assets you ve earned in the past, opportunities to invest in the present, and strategies to help manage taxes and secure your future. Deductions for Cost of Insurance and Charges Policy Account Value Investment Choices Investment Experience and/or Income Tax-Free Death Benefit 2 Tax-Advantaged Loans or Withdrawals Your Beneficiary You The John Hancock Vitality Program Accumulation VUL is available with the John Hancock Vitality Program. With this optional rider, you have the opportunity to enhance policy benefits and earn valuable rewards and discounts by simply living a healthy life. Contact your financial advisor for additional details.

5 CONSUMER GUIDE Accumulation VUL 4 Death Benefit Protection The primary purpose of your VUL policy is to protect your family and loved ones should something happen to you. It is not intended to be a short-term savings vehicle as there are surrender charges and investment fees associated with it, along with life insurance-related charges. Flexibility Accumulation VUL allows you to choose a level death benefit or you can have it increase any time your cash value does. This could be an attractive option if you have a growing family or business. You can also vary your premium payments to better fit your budget, within certain limits of course. Diversified Options Accumulation VUL allows you to allocate premiums among a variety of different investment options. The policy s value is not guaranteed and may lose value. That means the cash value of your policy can increase or decrease depending on how they perform. Like many investments, however, there are risks associated with each option and your policy may lose value, which could cause it to lapse if there is no underlying no-lapse guarantee in place. Also, past performance is not a guarantee of future results. Liquidity Although loans and withdrawals 3 allow you to easily access the cash value of your policy, they will also lower your account value and death benefit, and surrender charges may apply in the early years. Depending upon the performance of your investment choices, the policy value available for loans and withdrawals may be more or less than the original amount invested in your policy. There could also be tax penalties and fees associated with them. Loans and withdrawals could also cause your policy to lapse. A lapse or surrender of the policy while loans are outstanding could be considered a taxable event. Policies that are classified as modified endowment contracts may be subject to tax at the time the loan or withdrawal is made. A federal tax penalty of 10% may also apply if the loan or withdrawal is taken prior to age 59½. No-Lapse Guarantee Accumulation VUL includes a no-lapse guarantee to help protect your policy in market downturns. In order to prevent your policy from lapsing, the minimum No-Lapse Guarantee premium must be met. At the end of the No-Lapse Guarantee period, the policy value may be insufficient to keep the policy in force. Thereafter, premiums significantly higher than the No-Lapse Guarantee premium may be required to keep the policy in force. If you pay only the premium to satisfy the No-Lapse Guarantee, you may be foregoing the advantage of building up significant policy value under this policy. The No-Lapse Guarantee will not prevent the policy from lapsing if the policy debt exceeds the policy value. Death benefit option changes, loans, withdrawals, rider termination or change, and/or face amount decreases will also affect the No-Lapse Guarantee duration and premium requirement. The policy includes a 20 year no-lapse guarantee that may be less depending on issue age. LifeTrack To help ensure your premium payments align with your financial goals, ask your advisor about LifeTrack. This is an optional service that automatically adjusts your premium each year based on your overall life insurance objectives. Contact your financial advisor for more information and a personalized product illustration.

6 Strength. Stability. John Hancock. John Hancock s strong ratings, as judged by the major rating agencies, are a comprehensive measure of the company s financial strength and stability. This is important because these financial ratings reflect the life insurance company s ability to pay claims in the future. With over 150 years of experience, John Hancock offers clients a diverse range of financial protection products and wealth management services through its extensive network of employees, agents, and distribution partners. Please contact to obtain product and fund prospectuses. (For New York, contact , option 4.) 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. Product and/or product features may not be available in all states. 1. Insurance policies and/or associated riders and features may not be available in all states. Some riders may have additional fees and expenses associated with them. Refer to the product prospectus for additional information. 2. 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. 3. 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. Withdrawals are available after the first policy year. Comments on taxation are based on John Hancock s understanding of current tax law, which is subject to change. Please consult your tax advisor for guidelines specific to your situation. You must elect the Healthy Engagement Rider to participate in the John Hancock Vitality Program. There are additional costs associated with the Healthy Engagement Rider. Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer. The life insurance policy describes coverage under the policy, exclusions and limitations, what you must do to keep your policy inforce, and what would cause your policy to be discontinued. Please contact your licensed agent or John Hancock for more information, costs, and complete details on coverage. Availability of policies, features, and benefits may vary by state. Vitality refers collectively to the benefits provided by John Hancock s Healthy Engagement feature. The Vitality Group is the company that John Hancock has partnered with to administer these benefits. Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 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 Policy Form Series: 14ACCVUL, ICC14 14ACCVUL Rider Form Series: 15HER-V MLINY

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