A new opportunity to sell life and long-term care protection in the

A new opportunity to sell life and long-term care

protection in the workplace

Premier Benefit IUL gives you a new opportunity to tap into an employer market

focused on attracting and retaining top talent. It offers high-earning employees

an easy way to buy voluntary individual permanent life insurance with optional

long-term care rider protection — all at no cost to the employer. What's more,

every policy includes John Hancock Vitality PLUS, which supports employees

in their pursuit of living a longer, healthier, better life.*

Key highlights:

Fully digital experience — ensures an efficient process from start to

finish

Streamlined underwriting

— requires no APS, medical exams, or

labs and often results in an instant decision; guaranteed issue

available for larger group sizes

Enhanced protection with our Long-Term Care rider

— gives

employees the option to accelerate their policy's death benefit in the

event of a long-term care need

Cost-efficient, permanent death benefit protection with income

tax-free growth

potential

— gives employees a choice of tying

policy performance to an S&P

®4

-linked indexed account and/or a

Fixed Account

John Hancock Vitality PLUS — rewards employees for the everyday

steps they take to live longer, healthier, better lives

State approvals

Premier Benefit IUL is approved in all states except: California, Guam &

New York

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* 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.
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).
MLI091923265-1
.