Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and in New York by

Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and in New York by John Hancock Life & Health Insurance, Boston, MA 02117.LTC-8530 8/2/12 Rev. 5/13

Presented by:

For financial professional use only. Not for use with the public.For financial professional use only. Not for use with the public.

Custom Care III featuring Benefit Builder

Meeting the needs of a wider array of clientsMeeting the needs of a wider array of clients

Agenda

• Industry overview

• Consumer trends

• Introduction to Custom Care III featuring Benefit Builder

• Summary of changes from Custom Care III

• Competitive niche and pricing

• Why John Hancock

• Conclusion

Industry overview

• Low interest rates impact insurance pricing– All time historic lows for a prolonged period of time

– In our current environment, 1% interest rate decrease equates to a 10%-15% premium increase¹

1. Quote from Jessie Slome, Executive Director, American Association of Long Term Care Insurance, 2009.

Industry overview

• Higher premiums on long-term care (LTC) insurance reflect the new environment paradigm

• Fixed inflation options, such as 3% and 5% Compound, are offered at significantly higher premiums that have been rising rapidly with the continued low interest rate environment

• Carriers are forced to adapt by – Updating pricing

– Exiting the market

– Developing innovative new inflation choices

John Hancock claims experienceMore people reaching the age where claims occur

Average claim lasts 2.7 years2

2 0 1 1

We expect 21% of our claims to last longer than

5 years2

We pay out an average of

$3,000 per month to each claimant2

2 0 1 1

$$Home Health Care claims cost 70% of Nursing Home

claims2

2. Based on John Hancock internal data as of 12/31/11. Total includes individual and group LTC insurance, and the Federal Long Term Care Insurance Program.

John Hancock claims experience

Less than 10% of our claims are

closed due to benefit exhaustion

66% of claimants who begin the

Elimination Period end up as an active claim

Less than 5% of claims are closed

due to recovery

3. Based on John Hancock internal data as of 12/31/11. Total includes individual and group LTC insurance, and the Federal Long Term Care Insurance Program.

Dementia

10%

Nervous System

8%

Stroke

7%

Heart Disease

6%

Musculoskeletal & Connective Tissue

As a % of all JH LTC Claims3

36%

LTC buyer trends – Consumer needs

• Younger Baby Boomer purchasers – average age 58

• 7.6 million Americans age 55 and older had private long-term care insurance coverage, accounting for 10.7% of adults in this age group4

• AHIP 2010 LTC Buyer/Non-Buyer Study Conclusions:– Most non-buyers indicated that cost was the most

significant barrier to purchase (consistent 20-year trend)

4. http://www.urban.org/ “Who Purchases Long-Term Care Insurance,” March 2011, estimates are from 2008 Health and Retirement Study (HRS), page 2.

What is Benefit Builder?

Low Price Point

Potential for Automatic

Benefit Growth

Access to New Markets

Comprehensive Coverage

A truly innovative

approach to providing

LTC insurance for price

sensitive consumers

Allows a policyholder to

potentially grow their

benefits at a price about

half of what traditional

policies cost today

It is positioned

as a default feature

on our new

Custom Care III policy

Why we developed Benefit Builder

• The next step to our product portfolio approach in the market

• In response to the prolonged low interest rate environment– Interest rates have required carriers to re-price product

multiple times over the past few years

• To help grow the industry2002 industry sales of approximately

$1 Billion, average premium $1,7605

2011 industry sales of approximately

$545 Million, average premium $2,4005

5. LIMRA Individual Long-Term Care Insurance Sales 2002 and 2011.

Industry sales decreased by 45% − average

premium increase 36%

Who is the Target Market for Benefit Builder?

• Competing priorities

• Those who did not buy before due to price

• Older healthy clients who otherwise could not afford the premiums and may be less concerned with inflation

PRICE SENSITIVE BUYER

• Would benefit the most from the long-term growth of Benefit Builder

40-60 YEAR OLDS

• Those who want to co-insure part of the risk

RISK AVERSE

Product Features

Approved StatesCustom Care III featuring Benefit Builder

Changes from Custom Care III

• Premiums– New business rates increase slightly for new interest

rate assumptions– 9% average for CPI Compound– 15% average for 5% Compound

• Hospice Care– End of life care, including support for the family,

in home or facility– Accessible during the elimination period

• Policy paid up at age 95 – Standard Pay

• Limited Pay options removed

• Bank Draft available for all modes

• GPO inflation option removed

• Addition of innovative Benefit Builder option

POLICY BENEFITS MAY VARY BY STATE

Custom Care III featuring Benefit Builder

• Four Inflation Options– Benefit Builder

– CPI Compound

– CPI Compound to Age 75

– 5% Compound

• Why Benefit Builder?– An affordable alternative to traditional inflation options

– Enables coverage to increase gradually over time

– Particularly advantageous to younger buyers ages 40 to 60

– Has both a Voluntary feature and an Automatic feature


Benefit Builder Voluntary feature6

• Voluntarily – Additional Premium– Buy-ups similar to GPO are offered every three years to

age 75

– Option to increase benefits by 10%

6. Increases are at attained age rates without evidence of insurability. Issue age 64 and under may decline one offer and receive future offers. Issue age 65+ must accept all offers or the offers cease. Offers can be resumed with evidence of insurability six months before the policyholder's originally scheduled next "buy-up" offer date. Offers will no longer be available if benefits have ever been paid; if policyholder was chronically ill during the two year period prior to the option date; or if policy is Limited Pay or has Survivorship and Waiver of Premium Benefit. POLICY BENEFITS MAY VARY BY STATE

Benefit Builder Automatic feature

• Automatically – Premium does not change– Concept is similar to participating whole life insurance

policies

– Allows the policy benefits to grow gradually over time with no corresponding increase in premium

– When the cumulative Portfolio Rate of Return on the Benefit Builder Portfolio exceeds 3%, the unique crediting feature automatically increases the daily/monthly benefit7

– Automatic crediting will continue if on claim


7. Automatic crediting may not keep up with inflation. An excess earnings credit is determined based on our calculation of the portfolio rate of return in effect as of the policy anniversary, minus 3%, multiplied by the portion of assets attributed to your client’s policy in the portfolio, minus any adjustment for negative Excess Earnings Credits in prior years. Our calculation of the portfolio rate of return will be made according to the process that we have filed with the applicable insurance regulator. The excess earnings credit is divided by the single premium rate then in effect to determine the amount of the benefit increase. Portfolio returns are not guaranteed and will vary from year to year. The portion of the assets attributed to the policy in the portfolio will grow over time, therefore, there will be no benefit increases before the third policy anniversary, and in some cases, before the fourth policy anniversary.

Benefit Builder Unique crediting feature


Allocated Reserve

Value

Portfolio Rate of Return

3%( )Any adjustments

for negative excess earnings credits

occurring in prior years

ExcessEarnings Credits

Single Premium Rate

(Per $1 of coverage)

ANNUAL BENEFIT

INCREASE AMOUNT


• Portfolio is the subset of our general account that contains the assets which support the benefits for policies with Benefit Builder


Allocated Reserve

Value





Single Premium Rate



ANNUAL BENEFIT

INCREASE AMOUNT


• Portfolio Rate of Return8 is the annual rate of return (net of investment expenses) earned on the assets in the Portfolio– When the general account funding the policy exceeds 3%, the

unique crediting feature automatically increases the daily/monthly benefit

– Returns are not guaranteed and will vary from year to year

8. Our calculation of the Portfolio Rate of Return will be made according to the process that we have filed with the applicable insurance regulators. POLICY BENEFITS MAY VARY BY STATE

Allocated Reserve

Value





Single Premium Rate



ANNUAL BENEFIT

INCREASE AMOUNT


• Allocated Reserve Value9 is the portion of the assets in the Portfolio attributed to the individual policyholder – Premiums paid in plus investment earnings less expense

and past expected claims

– Re-determined each anniversary based on benefit changes

– Will not change in the event of an inforce rate increase

POLICY BENEFITS MAY VARY BY STATE9. Due to the time needed to build up the Allocated Reserve Values, no excess earning credits will be applied before

the third policy anniversary, an in some cases before the fourth policy anniversary.

Allocated Reserve

Value





Single Premium Rate



ANNUAL BENEFIT

INCREASE AMOUNT


• Excess Earnings Credits are determined on each Policy Anniversary


Allocated Reserve

Value






Single Premium Rate


ANNUAL BENEFIT

INCREASE AMOUNT


• Single Premium Rate10 is the rate for $1 of LTC insurance coverage based on attained age


Allocated Reserve

Value





Single Premium Rate



ANNUAL BENEFIT

INCREASE AMOUNT

10. In the event of an inforce rate increase on the Custom Care III featuring Benefit Builder policy, the single premium rate applied to new excess earning credits will be revised to reflect updated assumptions, subject to regulatory approval. As a result, any future Excess Earning Credits will purchase a lower amount of benefit increases.


• Annual Benefit Increase Amount is the Excess Earning Credit/single premium rate– In a year or years when the Portfolio Rate of Return is 3% or less,

your benefits will remain the same

– Any future benefit increases will be offset to make up for any prior returns below 3%


Allocated Reserve

Value





Single Premium Rate


ANNUAL BENEFIT

INCREASE AMOUNT


Benefit Builder Automatic benefit increase example


Male issue Age 50, Married, Preferred, $200 Daily Benefit, 90-Day Elimination Period, 3-Year Benefit Period, $219,000 Starting Policy LimitAssumes consistent hypothetical 6% Portfolio Rate of Return

Age Premium Daily Benefit Policy Limit

80 $689 $292.77 $320,583

81 $689 $299.65 $328,117

Allocated Reserve

ValueX (

Portfolio Return ) + =

Excess Earnings

Credit/

Single Premium (per $1)

=Automatic

Benefit Increase

+ Buy-Up +Prior Daily

Benefit- 3.0%Age

$27,802 X ( 6.0% ) + = $834 / $126 = $6.62 + $0 + $286.15- 3.0%80

$29,557 X ( 6.0% ) $887 $129 $6.88 $0 $292.773.0% + = / = + +-81

Prior Negative Credits

$0

$0

=NewDaily

Benefit

= $292.77

$299.65=

Benefit Builder Sample illustration11

Male, Issue Age 50, Married, Preferred, $200 Daily Benefit, 90-Day Elimination Period, 3-Year Benefit Period

AGE PREMIUM LTC BENEFIT POLICY LIMIT

50 $689.00 $200.00 $219,000

LTC BENEFIT POLICY LIMIT LTC BENEFIT POLICY LIMIT LTC BENEFIT POLICY LIMIT

3.0% 5.0% 6.0% 7.0%

$200.00 $219,000 $200.00 $219,000 $200.00 $219,00051 $689.00 $200.00 $219,000 $200.00 $219,000 $200.00 $219,000 $200.00 $219,00052 $689.00 $200.00 $219,000 $200.00 $219,000 $200.00 $219,000 $200.00 $219,00053 $68900 $200.00 $219,000 $200.05 $219,055 $200.07 $219,077 $200.09 $219,09954 $689.00 $200.00 $219,000 $200.26 $219,285 $200.38 $219,416 $200.50 $219,54855 $689.00 $200.00 $219,000 $200.63 $219,690 $200.94 $220,029 $201.25 $220,36956 $689.00 $200.00 $219,000 $201.16 $220,270 $201.74 $220,905 $202.33 $221,55157 $689.00 $200.00 $219,000 $201.85 $221,026 $202.79 $222,055 $203.75 $223,10658 $689.00 $200.00 $219,000 $202.69 $221,946 $204.08 $223,468 $205.50 $225,02359 $689.00 $200.00 $219,000 $203.68 $223,030 $205.60 $225,132 $207.58 $227,30060 $689.00 $200.00 $219,000 $204.82 $224,278 $207.36 $227,059 $209.99 $229,93961 $689.00 $200.00 $219,000 $206.11 $225,690 $209.36 $229,249 $212.74 $232,95062 $689.00 $200.00 $219,000 $207.55 $227,267 $211.60 $231,702 $215.84 $236,34563 $689.00 $200.00 $219,000 $209.13 $228,997 $214.07 $234,407 $219.28 $240,11264 $689.00 $200.00 $219,000 $210.84 $230,870 $216.77 $237,363 $223.05 $244,24065 $689.00 $200.00 $219,000 $212.68 $232,885 $219.68 $240,550 $227.15 $248,72966 $689.00 $200.00 $219,000 $214.66 $235,053 $222.83 $243,999 $231.61 $253,61367 $689.00 $200.00 $219,000 $216.78 $237,374 $226.23 $247,722 $236.44 $258,90268 $689.00 $200.00 $219,000 $219.04 $239,849 $229.87 $251,708 $241.64 $264,59669 $689.00 $200.00 $219,000 $221.44 $242,477 $233.75 $255,956 $247.22 $270,70670 $689.00 $200.00 $219,000 $223.98 $245,258 $237.88 $260,479 $253.19 $277,243

POLICY BENEFITS MAY VARY BY STATE 11. Actual Portfolio Rates of Return vary from year to year. Daily Benefit and Total Pool of Money will not increase exactly as illustrated. Returns are not guaranteed.

Benefit BuilderHypothetical Illustration at 6%12

• Age 50 male applicant• No Voluntary Buy Ups – only Automatic

Crediting• Years 1 through 10 with 6% general account

hypothetical rate of return• First 5 to 8 years with minimal growth to the

Daily Benefit and Policy Limit

• Age 50 applicant is now age 80• Showing through age 85• The Policy Limit has grown more than 50%

AGE

50

LTC BENEFIT POLICY LIMIT

6.0%

$200.00 $219,00051 $200.00 $219,00052 $200.00 $219,00053 $200.07 $219,07754 $200.38 $219,41655 $200.94 $220,02956 $201.74 $220,90557 $202.79 $222,05558 $204.08 $223,46859 $205.60 $225,132


80 $320,58381 $328,11782 $335,93583 $344,04984 $352,45985 $361,175

$292.77$299.65$306.79$314.20$321.88$329.84

12. Actual Portfolio Rates of Return vary from year to year. Daily Benefit and Total Pool of Money will not increase exactly as illustrated. Returns are not guaranteed.

Benefit Builder Historical perspectives

• The 5%, 6% & 7% Portfolio Rates of Return are hypothetical for illustration purposes only

• The investment mix of the Portfolio may change over the life of the policy• We currently expect to invest approximately 80 percent of the Portfolio

in fixed income investments, with a smaller portion in equities

NOTES Historical annualized returns on investments for similar asset classes may be shown by reference to the above benchmark indices for various periods ending on December 30, 2011.*Based on weighted average yields on Barclays Intermediate Corporate, A Corporate, US Corporate 7-10 years and Long US Corporate indices. Weights reflect current fixed income investment strategy and data availability.**Based on S&P 500 index and S&P 500 dividend yields.

PERIOD Fixed Income*

1 year 4.5%

3 years 5.2%

5 years 5.7%

10 years 5.7%

20 years 6.5%

30 years 7.9%

S&P 500 EQUITIES***

2.1%

13.6%

0.1%

3.0%

7.7%

10.6%


Benefit Builder summary

Benefit Builder provides the potential for

automatic benefit growth, along with buy-

up options for added inflation protection all at

an affordable price point.

POTENTIAL FOR GROWTH

Benefit Builder passes on increased benefits to the policyholder over time as interest rates rise and associated

earnings grow.

INCREASED BENEFITS

This is the only product on the market designed to benefit consumers in

a rising interest rate environment.

If interests rates rise, there’s no future benefit

to the consumer under a traditional

non-participating policy.

PROTECTION AGAINST RATES

Competitive Niche

Changes among top carriers

• Withdrawal from individual market

• Withdrawal from California

• New business rate increases from 9%-55%

• Reduction in current discounts

• Removal of riders and options for some carriers– Removal of indemnity riders

– Removal of 10-year and Lifetime Benefit Periods

– Removal of SharedCare option on some plans

– Removal of Limited-Pay Options

– Removal of preferred ratings

• Adjustments to producer compensation• Tightening of underwriting requirements• Move to gender distinct pricing

Benefit Builder premiumsBenefit Builder vs. No Inflation/GPO

Male and Female, Issue Age 50, Married, Standard, $4,500 Monthly Benefit, 90-Day Elimination Period, 3-Year Benefit Period

Competitive information is accurate to best of knowledge as of April 2013.

COMPANY NAME PRODUCT NAME PREMIUMPRODUCT NOTES

New York Life NYL Select Premier 5.5 $1,698$150 Daily Benefit

Transamerica TransCare II 2012 $1,458Married Discount 30% to 20%

Mutual of Omaha Mutual Care Plus 2012 $1,090GPO; Policy Type = MutCare MyWay

Genworth Privileged Choice Flex 2 Gender $1,676Select Underwriting with Couples Discount

United of Omaha Cash-First 2012 $1,23340% Cash Benefit, GPO, BP Years = 3.2

Northwestern Mutual QuietCare $1,241$150 Daily Benefit, EP=12 weeks

John Hancock CCIII w/Benefit Builder 2013 Gender

$1,404

Mass Mutual MM-500 2013 $1,405UW Class = Select/Preferred

Year

Benefit Builder Sales Ideas:Benefit Builder versus No Inflation13/GPO

13. Assumes no Buy-Up Options under the Benefit Builder feature or GPO options under competitor products where available were taken. Actual Portfolio Rates of Return vary from year to year. Monthly Benefit and Total Pool of Money will not increase exactly as illustrated. Returns are not guaranteed. Premiums are not guaranteed.

14. Average premium for No Inflation Genworth 2013, Transamerica, Mass Mutual-500, Mutual of Omaha, NY Life, and Northwestern Mutual as of 4/2013.

MO

NTH

LY B

ENEF

IT

YEAR1 30252015105

$0

$7,000

$6,000

$5,000

$4,000

$3,000

$2,000

$1,000

Competitor with no inflation14

Monthly Benefit of each policy $4,500

Total Combined Premium of $42,000

Benefit Builder(Assuming Constant 6% annual hypothetical portfolio rate of return)Monthly Benefit of each policy $6,587


MO

NTH

LY B

ENEF

IT

YEAR1 30252015105

$0

$12,000

$10,000

$8,000

$6,000

$4,000

$2,000

Benefit Builder sales ideasPay Less Premium

• Age 50; 3-Year BP; 90 EP;Male & Female Married Standard Rates

• Competitors:15

– $4,500 Month initial benefit– 3% Compound– Average premium $2,852

• CCIII featuring Benefit Builder– John Hancock Monthly initial benefit

$4,500 Month – Annual Premium = $1,404

• Summary– Benefit amount grows 46%– 103% premium savings of $1,448

per year

15. Average premium for 3% Compound Genworth 2013 Transamerica, Mass Mutual-500, Mutual of Omaha, NY Life, and Northwestern Mutual as of 4/2013.16. Actual Portfolio Rates of Return vary from year to year. Monthly Benefit and Total Pool of Money will not increase exactly as illustrated. Returns are not guaranteed.

Premiums are not guaranteed.

Competitor 3% Compound15



Benefit Builder16

(Assuming Constant 6% annual hypothetical portfolio rate of return)Monthly Benefit of each policy $6,587


MO

NTH

LY B

ENEF

IT

YEAR1 30252015105

$0

$12,000

$10,000

$8,000

$6,000

$4,000

$2,000




Benefit Builder sales ideasTaking buy-ups


• Competitors:17


• CCIII featuring Benefit Builder18

– John Hancock Monthly initial benefit $4,500 Month

– Annual Premium = $1,404– Buy-ups every three years to age 62:

• Summary– Slightly less growth, but lower

premium, especially in the first 10 years

– Total cost over 30 years is $21,465 less

17. Average premium for 3% Compound Genworth 2013, Transamerica 2012, Mass Mutual-500, Mutual of Omaha, NY Life and Northwestern Mutual as of 4/2013.18. Assumes no Buy-Up Options under the Benefit Builder were taken. Actual Portfolio Rates of Return vary from year to year. Monthly Benefit and Total Pool of Money will not

increase exactly as illustrated. Returns are not guaranteed. Premiums are not guaranteed.

AGE PREMIUM AGE PREMIUM50 $1404 59 $204953 $1565 62 $242956 $1773

Benefit Builder18

(Assuming Constant 6% annual hypothetical portfolio rate of return and 5 buy-ups)Monthly Benefit of each policy $9,215


MO

NTH

LY B

ENEF

IT

YEAR1 30252015105

$0

$12,000

$10,000

$8,000

$6,000

$4,000

$2,000

Benefit Builder sales ideasMore benefit upfront


• Competitors:20


• CCIII featuring Benefit Builder19

– John Hancock Monthly initial benefit

$7,500 Month – Annual Premium $2,339

• Summary– More Monthly Benefit throughout

the life of the policy – Premium savings of $513/year– Added protection of the Double

Coverage for Accident Benefit

19. Assumes no Buy-Up Options under the Benefit Builder were taken. Actual Portfolio Rates of Return vary from year to year. Monthly Benefit and Total Pool of Money will not increase exactly as illustrated. Returns are not guaranteed. Premiums are not guaranteed.

20. Average premium for 3% Compound Genworth 2013, Transamerica 2012, Mass Mutual-500, Mutual of Omaha, NY Life, and Northwestern Mutual as of 4/2013.




Benefit Builder19

(Assuming Constant 6% annual hypothetical portfolio rate of return)Monthly Benefit of each policy $10,978


Competitive differentiators

• Double Coverage for Accident Benefit Under Age 65

• Return of Premium Under Age 65

• Caregiver Support Services– Claimant information resources and rate negotiation

services

• Care Advisory Services– Yearly benefit 10x daily for independent assessment

• Additional Stay at Home Benefit– 30x Daily Benefit to modify home

Policy benefits may vary by statePOLICY BENEFITS MAY VARY BY STATE

• Unlimited CPI Compound Inflation– Provides meaningful, appropriate and affordable inflation

protection

– Annual Compound increases based on the Consumer Price Index (CPI)

– Urban CPI matches long-term care inflation

– No limit to the CPI increase

– Safety: Whenever the CPI index changes, policy benefits and John Hancock’s investment earnings on underlying assets are synchronized

– 50 year average CPI return of 4.1%• $288,000 Compounded @ 3% for 25 Years = $603,008

• $288,000 Compounded @ 4.1 for 25 Years = $786,431

Competitive differentiators


Male and Female, Issue Age 50, Married, Standard, $4,500 Monthly, 90-Day EP, 3 Year BP

Premium rank among peer companiesJohn Hancock CPI vs. 3% Compound

COMPANY NAME PRODUCT NAME PREMIUM

MassMutual MM-500 2013

$2,232

$2,513

Transamerica TransCare II 2012

$3,057

United of Omaha Cash-First 2012

$2,873

John Hancock CCIII w/Benefit Builder 2012 $2,793

PRODUCT NOTES

Underwriting Class = Select Preferred

Policy Type = MutCare MyWay

Married Discount 30% to 20%

40% Cash Benefit; BP Years = 3.2

CPI

Genworth Select underwriting with couples discount

New York Life Select Premier 5.5 $3,952$150 Daily Benefit; CPI Auto

Northwestern Mutual QuietCare $3,210$150 Daily Benefit

Competitive information is accurate to best of knowledge as of July 2012.

Mutual of Omaha Mutual Care Plus 2012 $2,129

Privilege Choice Flex 2 Gender

Why John Hancock

• John Hancock leading brand with 94% overall consumer awareness21

– And 98% among the affluent

• LTC insurance experience22

– Over 25 years of LTC industry experience– Over 1.3 million LTC insurance policyholders– Over $4.7 billion in LTC claims paid– Over $2 million paid out every day– Over 700 employees dedicated to LTC

21. Chadwick Martin Bailey 2007.22. John Hancock Internal Claims Data 12/31/12.

Strength & stabilityFinancial ratings among the highest in the insurance industry23

A.M. Best

A+ (2nd of 15 ratings)

Superior ability to meet ongoing obligations.

Fitch Ratings

AA- (4th of 19 ratings)

Very strong capacity to meet policyholder and

contract obligations.

Standard & Poor’s

AA- (4th of 21 ratings)

Very strong financial security characteristics.

Moody’s

A1 (5th of 21 ratings)

Good financial security.

John Hancock Life Insurance Company (U.S.A.)

23. Financial strength ratings, which are current as of December 31, 2012, and are subject to change, measure the Company’s ability to honor its financial commitments. The ratings are not an assessment or recommendation of specific policy provisions, premium rates, or practices of the insurance company. The Comdex, which is current as of August 31, 2011, is a composite of financial strength ratings as judged by Standard and Poor’s, Moody’s, A.M. Best and Fitch Ratings. It gives the average percentile ranking in relation to all other companies that have been rated by the rating services. For more information go to www.vitalsalessuite.com (VitalSigns).

93 Comdex Rating

Conclusion

• John Hancock remains a committed LTC insurance leader

• In a price sensitive market, John Hancock offers two solutions that respond to the economic environment– Benefit Builder and CPI Inflation

• Custom Care III featuring Benefit Builder is a benefit-rich policy– Competitively priced– Incorporating the most recent claimant data– Reflects the most current interest rates and economic

assumptions

• There has never been a better time to leverage current market conditions and purchase LTC insurance

Benefit Builder illustration disclaimers

• The returns shown on these indices may not be representative of the Portfolio Rate of Return that we would calculate for a number of reasons, including the following:– Historical returns are not indicative of future results.

– The returns on the fixed income indices do not show the effects of capital gains and losses, which would be included in calculating the Portfolio Rate of Return.

– Our calculation of the Portfolio Rate of Return will reflect the effects of weighting on the Portfolio that will result from inflows and outflows over periods of varying investment returns. The returns on the subject indices do not reflect any effect of weighting.

– The returns shown do not account for investment expenses. We currently expect to charge investment expenses of 0.17%, but this percentage may change. Accounting for these investment expenses will reduce the Portfolio Rate of Return

– The calculation of the excess earnings credit for the Benefit Builder feature for any year allows us to net past shortfalls from prior years where the Portfolio Rate of Return (net of investment expenses) was below 3%, until the aggregate excess earnings credit is greater than zero. This netting concept may result in no increase in benefits under the Benefit Builder feature even where the Portfolio Rate of Return for a given year exceeds 3%.

– We have the absolute right to and may vary the investment mix of the Portfolio.

Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and in New York by John Hancock Life & Health Insurance, Boston, MA 02117.LTC-8530 8/2/12 Rev. 5/13

Custom Care III featuring Benefit

Builder

An affordable alternative to An affordable alternative to traditional inflation optionstraditional inflation options

Documents

Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and in New York by