* Blended 50%

The data shown is taken from various company illustrations. Premiums based on solve to Endow at age 121. All competitors’ illustrated rates were derived using John Hancock’sIUL rate translator. Translated assumed rates based on inputting an 8% equity assumption and each company’s current cap, floor and participation rates. All products shown assumea one-year point-to-point crediting option on the S&P 500®1 index. Company’s translated assumed rates: John Hancock 6.73%, Penn Mutual 7.02%, Minnesota Life 6.73%, Allianz6.23%, Pacific Life 6.40%, and Zurich 6.05%. These values are not guaranteed. Competitor information is current and accurate to the best of our knowledge as of July 2013. Thecomparisons in this communication are of different products which vary in premiums, rates, fees, expenses, features and benefits. These comparisons cannot be used with the publicand complete personalized policy illustrations for each representative company must be presented or discussed with your clients. Please have your clients consult with their professionaladvisors to find out which type of life insurance is suitable.

Introducing John Hancock’s New Protection SIULProtection SIUL surpasses the competition with industry-leading survivorship protection –offering the growth potential of an IUL and the downside protection of a guaranteed 0% floor and the competitive premium solves you’ve come to expect from John Hancock. With a simple but powerfulapproach to estate planning, Protection SIUL offers clients a smart solution to their needs.

SIGNIFICANT PREMIUM ADVANTAGE ACROSS THE BOARD!

Male/Female, Best Risk Class, $2,000,000 Face Amount, Lifetime Coverage

Company Ages 50/47 Ages 60/57 Ages 70/67

John Hancock’s NEW Protection SIUL $8,322 $15,594 $29,191

Penn Mutual +11% +11% +12%

Pacific Life* +16% +11% +12%

Minnesota Life +26% +22% +20%

Allianz +27% +16% +29%

Zurich +29% +24% +26%

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PROTECTION SIUL

PROTECTIO

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Protection SIUL Advantages:• Often the most competitive survivorship IUL premiums in the industry – with the opportunity for cash value growth potential

• Three levels of guaranteed protection: lengthy NLG, 0% floor, and a 2% cumulative interest rate guarantee

• Highly competitive 13% Current Cap and an Uncapped Indexed Account with even more upside potential

• Dynamic solution to your clients estate and legacy planning needs

simple is smart

PROTECTION SIUL

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Protection SIUL: The DynamicEstate Planning Solution

See how Protection SIUL can offer yourhigh-net-worth clients an efficient estateplanning solution.

Sweet Spots (IM4103)

A quick reference guide to the mostcompetitive ages and funding patternsfor each John Hancock life insuranceproduct, targeting where each productshines.

A small supply of producer guides and consumer guides were shipped to each office. Additional marketing materials may be orderedfrom the warehouse or downloaded from www.jhsalesnet.com or your producer website.

Producer Guide (IM4156PG)

Highlights the key features and benefitsof John Hancock’s Protection SIUL.

Technical Guide

Provides a technical description of theproduct and an in depth look at thefeatures and benefits of Protection SIUL.

Consumer Guide (IM4156CG)

A client-level brochure outlining how the policy works and highlighting the strengths of John Hancock’sProtection SIUL.

Protection SIUL vs. Pacific LifeSee how Protection SIUL offers lowerpremiums across the board.

MARKETING MATERIALS

SALES FLYERS

simple is smart

Indexed UL Rate Translator –www.iultranslate.com

Visit the this interactive tool today todiscover a simple way to determine anIndexed UL illustrated rate.

The Dynamic Estate PlanningSolution PresentationProvides a brief snapshot of theProtection SIUL’s competitive niche, key features and benefits as well as sales applications.

SALES TOOLS

State Approvals and Illustration SystemPlease refer to the state approval map for current state approvals. State approvals will be updated on jhillustrator.com.

For agent use only. Not for use with the public.1. Excluding dividends. Standard & Poor’s®, S&P®, S&P 500®, Standard & Poor’s 500 and 500 are trademarks of Standard & Poor’s Financial Services LLC, a subsidiary of

The McGraw-Hill Companies, Inc. and have been licensed for use by John Hancock. The Product is not sponsored, sold, endorsed 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 theperformance of leading companies in leading industries within the U.S. You cannot invest directly in the S&P 500® Index.

Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.Protection SIUL policies automatically include a no-lapse guarantee called Death Benefit Protection. This feature guarantees that the policy will not default, even if the cash surrendervalue 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 DeathBenefit Protection feature cannot be reinstated. See the product technical guide for additional details.Insurance policies and/or associated riders and features may not be available in all states.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 NewYork, Valhalla, NY 10595. MLINY071513054 07/13

PROTECTION SIUL

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simple is smart

ANTARCT CALearn how to qualify for a unique voyage to Antarctica with John Hancock’s Indexed UL products!