PROTECTION PROTECTION SIUL. The pacesetter in affordable, secure protection. For two. CONSUMER GUIDE IM4156CG

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1 CONSUMER GUIDE PROTECTION PROTECTION SIUL The pacesetter in affordable, secure protection. For two. IM4156CG JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK

2 You ve worked hard planning for the future and now it s time to protect all that you ve built for your family, for your business or both. John Hancock s Protection Survivorship Indexed Universal Life (SIUL) can help you safeguard what matters most by giving you the protection you need. Protection for what matters most. Today and in the future. INSURANCE PRODUCTS: Not FDIC Insured Not Bank Guaranteed May Lose Value Not a Deposit Not Insured by Any Federal Government Agency

3 CONSUMER GUIDE Protection SIUL 2 Affordable Protection John Hancock s Protection SIUL 1 is an affordable flexible premium survivorship indexed universal life insurance policy that can help provide the protection you need to meet your financial goals. It offers you an opportunity to earn interest linked to the performance of the S&P 500 2, while protecting the policy s cash value from market risk. Tailored to your needs and goals As a permanent life insurance solution, John Hancock s Protection SIUL can help meet a wide range of your personal and business planning needs, such as: Affordable, lifetime death benefit protection Provide funding for estate or inheritance taxes Preserve your assets for your heirs Optional riders allow you to customize the policy to meet your personal or business planning needs S&P 500 Index The S&P 500 Index is widely regarded as the best gauge of the U.S. equities market. This world-renowned index includes 500 leading companies in leading industries of the U.S. economy. Although the S&P 500 focuses on the large cap segment of the market, with approximately 75% coverage of U.S. equities, it is also an excellent proxy for the total world market.

4 3 CONSUMER GUIDE Protection SIUL How Your Policy Works Tax-Deferred Growth. Tax-Favored Distributions. Income Tax-Free Death Benefit. The chart below illustrates the tax-deferred policy cash values, tax-favored retirement distributions and tax-free death benefit available with a John Hancock Protection SIUL policy. 3 The cash value in a life insurance policy grows on a tax-deferred basis. As long as the policy is not a Modified Endowment Contract (MEC), you can take withdrawals and loans from the cash value without adverse tax implications. Withdrawals from the policy are income tax free up to the policy s cost basis (premiums paid), after which point you can switch to loans, which are generally not taxable. 4 John Hancock s Protection SIUL offers affordable death benefit protection for the assets you ve earned in the past and strategies to help manage your risk tolerance today and in the future. You Pay Premiums Less Premium Charge POLICY VALUE Less Policy Charges Fixed Account High Par Capped Indexed Account Capped Indexed Account Uncapped Indexed Account and/or Tax Advantaged Loans or Withdrawals Income Tax-Free Death Benefit You Your Beneficiary

5 CONSUMER GUIDE Protection SIUL 4 Choose Your Strategy John Hancock s Protection SIUL offers the flexibility of four highly competitive premium allocation options giving you the opportunity to allocate your premiums to the Fixed Account, 5 the High Par Capped Indexed Account, the Capped Indexed Account, the Uncapped Indexed Account or any combination of the four. You also have the option to change your premium allocation options over time, as your needs change. Regardless of which allocation you choose, your Policy Value is deposited in John Hancock s General Account and guaranteed by the company against any investment loss. The policy does not directly participate in any stock or equity investments. Below are four possible allocation options. It is important to consult your financial professional to review a premium allocation strategy that meets your specific objectives. Premium Allocation Options Objective Interest Credits Based On Fixed Account Seeks strong stable performance Declared crediting rate Capped Indexed Account High Par Capped Indexed Account Uncapped Indexed Account Seeks some of the upside potential of equities, without risking negative returns A more conservative index-based option which seeks some of the upside potential of equities, without risking negative returns For those who are optimistic about potential equity market performance; accepts more potential volatility in exchange for more upside potential Annual performance of the S&P 500 with a 100% participation rate, up to a declared Capped Rate (a maximum credited interest rate) Annual performance of the S&P 500 with a 160% participation rate,* up to a lower declared Capped Rate (a maximum credited interest rate) Annual performance of the S&P 500 with a 100% participation rate, minus a declared Threshold Rate (a rate subtracted from the annual performance of the S&P 500) * Guaranteed participation rate of 140%

6 5 CONSUMER GUIDE Protection SIUL Basic Needs. Essential Benefits. Protection John Hancock s Protection SIUL offers an incometax-free death benefit that is available for family or business protection needs. With proper planning, your beneficiaries will receive the policy proceeds directly (without probate) on a taxfavored basis (under current law). 3 Guarantees John Hancock s Protection SIUL also provides a No-Lapse Guarantee called the Death Benefit Protection feature. 6 By meeting the Death Benefit Protection funding requirement, you are assured your policy will remain in force even if the cash surrender value falls to zero or below (assuming no loans are present). Cumulative Guarantee John Hancock s Protection SIUL also includes a Cumulative Guarantee that ensures the Policy Value will grow at a minimum cumulative rate of 2% (net of policy charges) regardless of how you allocate your Policy Value or how the underlying index performs over time. The Cumulative Guarantee only applies upon surrender. Opportunity Growth Potential with Guarantees John Hancock s Protection SIUL offers you the flexibility to allocate premiums to one, three or all four of its crediting strategies. This includes the opportunity to earn interest in the Fixed Account or in three Indexed Account options that are linked to the positive performance of the S&P 500. Both Indexed Accounts have a minimum floor rate of 0%. Flexibility There are several ways to design your policy so that it meets your specific needs, including: Death Benefit Selection Choose a level death benefit if you want your policy s death benefit to remain the same from year to year. Or for an additional cost, choose to have your death benefit increase whenever your cash value increases which may be an attractive option if you have a growing family or business. Premium Payment Choices Within limits, you may vary your premium payments to fit your budget and objectives. (Of course, a certain minimum is required, and paying less may cause your No-Lapse Guarantee to terminate early.) For example, if your primary concern is life insurance protection, you may want to fund your policy to provide coverage for your life expectancy or beyond. If your objective is to take advantage of the potential cash value accumulation in your policy, you may want to increase the amount of your premium payments. Liquidity One of the benefits of John Hancock s Protection SIUL is its cash value accumulation potential. For example, if you need to supplement your retirement income or cover college expenses, you may choose to take a distribution from your policy through a policy loan or withdrawal. 7 Keep in mind that this will lower your policy s account value and death benefit, and surrender charges may apply to a withdrawal in the early years. 4

7 Contact your financial advisor for more information and a personalized product illustration.

8 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. 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. 2. Excluding Dividends. Standard & Poor s, S&P, S&P 500, Standard & Poor s 500 and 500 are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by John Hancock. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor s, and Standard & Poor s makes no representation regarding the advisability of purchasing the Product. The S&P 500 Index is an index of 500 stocks that are generally representative of the performance of leading companies in leading industries within the U.S. You cannot invest directly in the S&P 500 Index. 3. Life insurance death benefit proceeds are generally excludable from the beneficiary s gross income for income tax purposes. There are a 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 advisor for guidelines specific to your situation. 4. 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 59½. Cash value available for loans and withdrawals may be more or less than originally invested. Withdrawals are available after the first policy year. 5. The Fixed Account is called the Guaranteed Interest Account in your policy. 6. Protection SIUL policies automatically include a no-lapse guarantee (NLG) 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. Policyholders who pay only the minimum premium required to keep the Death Benefit Protection in effect may forego the advantage of building significant cash value in this policy. The no-lapse guarantee under the Death Benefit Protection has a maximum duration to the younger insured s 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 any other change allowed under the contract could potentially terminate the no-lapse guarantee. Once terminated, the Death Benefit Protection feature cannot be reinstated. 7. Protection SIUL offers the option to borrow a portion of the policy value in one of two forms: a Standard Loan or an Index Loan. Index Loans carry significantly more risk than Standard Loans. All three Indexed Accounts use a point-to-point interest crediting strategy with 1-year segments. The Index Segment Interest Credit proceeds are calculated and earned at Segment Maturity only. If the policy terminates for any reason, any unmatured Segments will not earn interest credit. The Participation Rate is the percentage of the change in the value of the Index over the Segment Term that will be recognized in the calculation of the Interest Credit earned on any of the three Indexed Account options. For the Capped and Uncapped Indexed Account the Participation Rate is 100% (guaranteed) and for the High Par Indexed Account the Participation Rate is 160% (140% guaranteed). On its Segment Maturity Date, each Segment earns interest at a rate equal to the rate of change in the Index over the Segment Term multiplied by the participation rate subject to a guaranteed 0% Segment Floor rate and, depending on the Indexed Account option elected, either a Segment Cap or Segment Threshold rate. Please contact your representative to discuss the differences between these options and for our current rates. The Fixed Account credits a declared rate that will never be lower than the guaranteed annual rate of 2.00% There are costs of insurance, surrender, and other charges associated with this policy. 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. Guaranteed product features are dependent upon the claims-paying ability of the issuer. 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 Policy Form Series: ICC13 13PSIUL; 13PSIUL MLINY /14

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