1. Subject to availability limitations described in the policy. There may be additional costs associated with this rider.
2. 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.

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.

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

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.

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.

The Quit Smoking Incentive treats all Standard and Preferred Smokers as Standard Non Smokers for the first three years. For these three years, a policy owner who is issued a policy with the insured classified as a Smoker will pay Non Smoker current account rates (surrender charges, Per $1,000 BFA and cost-of-insurance). If the insured provides satisfactory evidence of having quit smoking for a period of 12 months within the first three years, the policy will be re-classified as Non Smoker, and policy values will reflect Standard Non Smoker rates. If the insured fails to quit smoking, future policy values will reflect Smoker current account charges.

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