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

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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

MLINY09281115613

For Agent Use Only. This material may not be used with the public.

Premier LifeFlexible Premium Adjustable Life Insurance

Premier LifeFlexible Premium Adjustable Life InsuranceSecurity. Stability. Simplicity.

2 of 12 For Agent Use Only. This material may not be used with the public.

The Benefits of Whole Life

• Guaranteed Cash Values & Death Benefits

• Strong Current-Assumption Performance• Value for Customer & Agent


Introducing Premier Life

• Strong Guarantees & Current-Assumption Performance At lower premiums than par Whole Life competitors Highest Guaranteed cash values in JH Portfolio

Optimized at Target Premium Paying Target all years typically guarantees Death

Benefit to age 100 Provides very strong current performance


Comparing John Hancock Target Premiums

$7,275 – Protection UL

$8,999 – UL-G

$13,470 – Accumulation UL

$14,973 – Premier Life

$16,420 – Indexed UL

Male, Preferred, Age 45, $1,000,000 Death Benefit


Other Key Features

• Current crediting rate – 4.85%– Guaranteed rate: 3%

• LTC Rider– Other riders: ROP, Disability, Cash Value

Enhancement

• Lengthy COI rate guarantees– Example: MPN 45 – charges guaranteed for 25

years

• Premium flexibility– No “blending” necessary


Cash Value Performance

Male, 40, Preferred Non Smoker, $1,000,000 Death Benefit $12,383 Level Premium

This is a supplemental illustration. Not all benefits and values are guaranteed. The assumptions on which the non-guaranteed elements are based are subject to change by the insurer. Actual results may be more or less favorable.

$0

$500,000

$1,000,000

$1,500,000

$2,000,000

$2,500,000

$3,000,000

$3,500,000

41 45 49 53 57 61 65 69 73 77 81 85 89 93 97

Guaranteed Cash Value

Cash Value: Guaranteed Rate, Current COIs

Initial Death Benefit: $1,000,000

Age


Cash Value Performance

This is a supplemental illustration. Not all benefits and values are guaranteed. The assumptions on which the non-guaranteed elements are based are subject to change by the insurer. Actual results may be more or less favorable.

Male, 40, Preferred Non Smoker, $1,000,000 Death Benefit $12,383 Level Premium

$0

$500,000

$1,000,000

$1,500,000

$2,000,000

$2,500,000

$3,000,000

$3,500,000

41 45 49 53 57 61 65 69 73 77 81 85 89 93 97

Initial Death Benefit: $1,000,000

Cash Value: Guaranteed Rate Current COIsGuaranteed Cash Value

Cash Value: Current Rate Current COIs

Age


Lower Premium. Strong Cash Value Performance.

Competitor information is current and accurate to the best of our knowledge as of September 2011. The data shown is taken from various company illustrations. Current interest rates may be different for each company and may not be guaranteed. The comparisons in this communication are of different products which vary in premiums, rates, fees, expenses, features and benefits. These comparisons cannot be used with the public and complete personalized policy illustrations for each representative company must be presented or discussed with your clients. Please have your clients consult with their professional advisors to find out which type of life insurance is more suitable.

Premium*GuaranteedCash Value

Percentageof Premiums

Paid

CurrentCash Value

Percentageof Premiums

Paid

Premier Life $14,973 $444,451 99% $801,835 179%

New York Life’sWhole Life $18,810 $552,080 98% $968,355 172%

Male, 45, Preferred Non Smoker, $1,000,000 Death Benefit

Policy Year 30

*Premier Life premium guaranteed to age 100; NY Life premium guaranteed to lifetime


The Drawback of Whole Life: Inflexibility

• Premium level must be chosen at issue– Reducing post-issue can be very costly

• Premiums reduced only through blending– Permanently compromises guarantees


Premier Life’s Flexibility Advantage

Male Age 45, Preferred Non Smoker, $1,000,000 Death Benefit$20,000

$18,000

$16,000

$14,000

$12,000

$10,000

$8,000

$6,000

$4,000

$2,000

$0

Lowest Outlay: $8,736Remains inforce based on current assumptionsGuaranteed CV to A78DB Guaranteed to A83

Enhanced Guarantees: $ 11,855Higher CVHigher Guaranteed CVDB Guaranteed to A90

Most Guarantees: $14,973Highest CVHighest Guaranteed CVDB Guaranteed to A100

NY Life Guarantee

Premium: $18,810

NY Life Max Blend Premium:

$10,221


Prem

ium


Premier Life: Post-Issue Flexibility

If you pay the premium for maximum guarantees in year 1 ….how much can you pay in year 2 and still keep the policy in force?

$20,000

$18,000

$16,000

$14,000

$12,000

$10,000

$8,000

$6,000

$4,000

$2,000

$0

Premier Life Year 1: $14,973

NY Life Year 1: $18,810

NY Life Year 2: Pay $18,810 or LAPSE

Premier Life Year 2: Pay much lower current-assumption premiums

Male, 45, Preferred Non Smoker, $1,000,000 Death Benefit


Prem

ium


Disclosures

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.

Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

Premier Life policies automatically include a no-lapse guarantee called the Death Benefit Protection feature. 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. Once terminated, the Death Benefit Protection feature cannot be reinstated. See the product technical guide for additional details.

The Long-Term Care (LTC) rider is an accelerated death benefit rider and may not be available in some states. Maximum face amount is $5 million with the LTC rider. The LTC rider is not considered long-term care insurance in some states. When the death benefit is accelerated for long-term care expenses, the death benefit is reduced dollar for dollar, and the cash value is reduced proportionally. The policy account value is also reduced proportionally. There are additional costs associated with this rider. Please go to www.jhsalesnet.com for a complete list of up-to-date state approvals.


Disclosures (cont.)

For prospective policyholders in New York, this product is a life insurance policy that accelerates the death benefit for qualified long term care services and is not a health insurance policy providing long term care insurance subject to the minimum requirements of New York Law, does not qualify for the New York State Long Term Care Partnership program and is not a Medicare supplement policy.

This rider has exclusions and limitations, reductions of benefits, and terms under which the rider may be continued in force or discontinued. Consult the state specific Outline of Coverage for additional details.

The Return of Premium Rider allows clients to select a percentage of the premiums paid to be returned to the beneficiaries in addition to the death benefit. There are costs associated with the ROP rider, as well as limitations on the cumulative amount that can be returned. Not available in conjunction with certain other riders.

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.

Documents

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