These competitive flyers have been developed to show how John Hancock’s products are well positioned to edge out the competition by highlighting the competitive strengths of our products.  Check out our latest editions below: Plus, if you need assistance with a competitive life insurance case, the Competitive Services Group (CSG) tracks all major competitors and maintains information on hundreds of industry products — providing responsive, fair, and accurate intelligence on our competition.  The CSG is ready to assist with all of your competitive life insurance cases by phone (617) 572-6672, by fax (617) 572-0236, and by email at JHCompetition@jhancock.com.
			Compete and Win! John Hancock's Accumulation VUL vs. Hartford's Leaders VUL Liberty See how we edge out Hartford with John Hancock's Accumulation VUL in this new Competition Corner flyer.
			Compete and Win! John Hancock’s Protection VUL vs. Nationwide’s YourLife Protection VUL See how we edge out Nationwide with John Hancock’s Protection VUL in this new Competition Corner flyer.
			Competition Corner: Performance UL vs. Phoenix's Accumulator UL See how we edge out Phoenix's Accumulator UL with John Hancock’s Performance UL product in this new Competition Corner flyer.
			Competition Corner: Performance SUL vs. Lincoln's LifeCurrent SUL See how we edge out Lincoln's LifeCurrent SUL with John Hancock’s Performance SUL product in this new Competition Corner flyer.
			John Hancock’s Protection VUL vs. Hartford’s Stag Protector II John Hancock’s Protection VUL is well positioned to compete against Hartford’s Stag Protector II because it offers more competitive level premium solves and no-lapse guarantee (NLG)1 premiums across all ages and underwriting classes.
			John Hancock's Accumulation VUL vs. Hartford's Stag Accumulator II John Hancock’s Accumulation VUL is well positioned to compete against Hartford’s Stag Accumulator II because it offers more competitive retirement cash values and higher income potential for clients 45 and older.
			Protection UL-G with the LifeCare Benefit Rider vs. Lincoln's MoneyGuard Reserve John Hancock’s Protection UL-G with the LifeCare Benefit rider2 is well positioned to compete against MoneyGuard Reserve because it offers higher guaranteed death benefit solves and the LifeCare Benefit rider provides competitive monthly long term care benefits and greater flexibility with choices of acceleration percentages (1, 2 or 4% of the death benefit) and payment options.
			John Hancock’s Performance UL vs. Lincoln’s LifeCurrent UL John Hancock’s Performance UL is well positioned to compete against Lincoln’s LifeCurrent UL because it generally offers lower lifetime solve-toextend premiums for all Non Smoker risk classes.
			John Hancock’s Performance UL vs. Transamerica’s TransUltra SP John Hancock’s Performance UL is well positioned to compete against Transamerica’s TransUltra SP because it offers more competitive premiums, better design flexibility and unique optional riders for enhanced versatility.
			John Hancock’s Protection SUL-G vs. Lincoln’s LifeGuarantee SUL John Hancock’s Protection SUL-G is well positioned to compete against Lincoln’s LifeGuarantee SUL because it offers competitive premiums and three innovative No-Lapse Guarantee riders (Policy Protection Rider, Policy Protection Rider Enhanced, and our new Policy Protection Rider Flex)3.
			John Hancock’s Accumulation VUL vs. Pacific Life’s Select Exec III John Hancock’s Accumulation VUL is well positioned to compete against Pacific Life’s Select Exec III because it offers competitive retirement cash values and higher income potential for clients 55 and older.
			John Hancock’s Protection VUL vs. Lincoln’s VULONE 2007 John Hancock’s Protection VUL is well positioned to compete against Lincoln’s VULONE 2007 because it generally offers more competitive premiums.

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 and securities offered through John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 197 Clarendon Street, Boston, MA 02116.

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.  Refer to the product prospectus for additional information.

1. The No-Lapse Guarantee (NLG) is automatically included with Accumulation SVUL, Protection SVUL, Accumulation VUL, Protection VUL, Performance UL, Performance SUL and Accumulation UL. It guarantees that your policy will not default, even if the cash surrender value falls to zero or below, provided the minimum NLG premium requirement and the cumulative premium test (performed at the point of lapse) are met. .  At the end of the No-Lapse Guarantee period, the policy value may be insufficient to keep the policy in force.  Thereafter, premiums significantly higher than the No-Lapse Guarantee premium may be required to keep the policy in force.  If you pay only the premium to satisfy the No-Lapse Guarantee, you may be foregoing the advantage of building up policy value under this policy.  Once lapsed, the guarantee cannot be reinstated. The maximum duration of the NLG is 20 years and may be less at older ages. The duration of the benefit may be shorter in some states. In Illinois the NLG is called "Death Benefit Protection."

2. LifeCare Benefit is an accelerated death benefit rider and may not be available in all states.  Maximum face amount $5 million with LifeCare Benefit. The LifeCare Benefit is not considered long term care insurance in all 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 may be additional costs associated with this rider.

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.

3. The Policy Protection Rider (PPR) is automatically included with Protection UL-G and Protection SUL-G.  PPR guarantees that your policy will not default, even if the cash surrender value falls to zero or below, provided the minimum premium requirements are met.  The maximum duration of the Policy Protection Rider is age 121 of the insured (or youngest insured if survivorship) but may be shorter.  Factors such as, but not limited too, the amount and timing of premium payments, loans, withdrawals, or any other change allowed under the contract may impact the period of guaranteed coverage.  Once terminated, PPR cannot be reinstated.

Please contact 1-800-827-4546 to obtain product and fund prospectuses (for New York, contact 1-877-391-3748, option 4).  The prospectuses contains complete details on investment objectives, risks, fees, charges and expenses as well as other information about the investment company. Please read the prospectuses carefully containing this and other information on the product and the underlying portfolios and consider these factors carefully before investing.

Policy Form:05PR0VUL
Rider Form Series:07ENLGR
05LTCR

Policy Form Series: 06PERFUL
Rider Form Series: 05LTCR

Policy Form: 06PERFSUL
Rider Forms: S137-5us
06PERROPR

Policy Form:
06ACCVUL
Rider Form Series:
060LPR
05LTCR

Policy Form: 08PROULG
Rider Form: 06PPR
08PPRCVA, 06 PPRE
06PPRF, 05LTCR

Policy Form: 05PROSULG
Rider Forms: 06PPR-S
06PPRE-S

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