Survivorship Universal Life

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Protection SUL-G
Flexible Survivorship Protection. Guaranteed.

John Hancock's new Protection SUL-G¹ offers clients flexible, affordable premium guarantees² for the top three risk classes. With strong intermediate cash values plus the financial strength and backing of the #1 survivorship universal life carrier in the industry - Protection SUL-G is a guaranteed sale!

Protection SUL-G offers:

* Reduced surrender charge period – recovering up to 100% of premiums in year 20
* Competitive for lifetime level-pay and lump-sum premiums
* High first-year target premiums
* Three flexible Policy Protection Riders for the ultimate in design flexibility
* Competitive underwriting and high retention limits

^1. 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.

^2. The policy offers a guaranteed death benefit provided minimum premium requirements are met. Guarantees are based on the claims paying ability of the issuer.

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. The rider increases the policy death benefit each year by the selected percentage until the insured reaches attained age 100. There are no further increases after age 100. 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.

MLINY02101012223

Performance SUL
Affordable Coverage. High Cash Value Potential. For two.

John Hancock’s Performance Survivorship Universal Life (SUL) policy combines low-cost permanent death benefit protection, strong guarantees and the potential for cash value accumulation. In addition to offering industry-leading lifetime level-pay premium solves, Performance SUL often provides cash values (based on non-guaranteed assumptions) equal to basis in year 10 on 10-pay premium solves, for ages 40–70 in all Non Smoker risk classes.

Check out Performance SUL’s:

* Competitive in all funding scenarios — especially level-pay and 10-pay premium solves
* Excellent alternative to guaranteed Survivorship Universal Life (SUL) — especially ages 40–70
* Guarantees the greater of 10 years or to age 90 (of the younger insured)
* Four Non Smoker risk classes, including Standard Plus

MLINY05121013048

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.

For agent use only. Not for use with the public.

Type

Title

Description

Application

New Business Forms

Click here to access new business forms.

Application

New Business Forms

Click here to access new business forms.

Application

New Business Forms

Click here to access new business forms.

Consumer Brochure

Quit Smoking. Be Healthy. Save Money.

Shows clients how they can save money on their life insurance premiums with John Hancock's Quit Smoking Incentive.

Consumer Guide

Affordable, guaranteed survivorship protection. For two. For life.

A client-level brochure highlighting the strength of John Hancock's Protection SUL-G.

Consumer Guide

Affordable, yet versatile. Coverage for two.

A client-level brochure highlighting the strength of John Hancock’s Performance SUL.

Illustration

Illustration System

Click here to download the latest version of JH Illustrator.

Illustration

Illustration System

Click here to download the latest version of JH Illustrator.

Illustration

Illustration System

Click here to download the latest version of JH Illustrator.

Illustration

eHansel

Click on this eHansel link to run client illustrations and access presentations.

Illustration

eHansel

Click on this eHansel link to run client illustrations and access presentations.

Illustration

eHansel

Click on this eHansel link to run client illustrations and access presentations.

Illustration

Introducing JH Illustrator Express

An introduction to this simplified, online version of JH Illustrator featuring a single input screen that allows you to run a basic illustration. It's as easy as 1...2...3.

Illustration

Introducing JH Illustrator Express

An introduction to this simplified, online version of JH Illustrator featuring a single input screen that allows you to run a basic illustration. It's as easy as 1...2...3.

Producer Guide

Flexible Survivorship Protection. Guaranteed.

Highlights the key features and benefits of Protection SUL-G.

Producer Guide

Affordable Coverage. High Cash Value Potential. For two.

Highlights the key features and benefits of Performance SUL

Product Flyers

Cover all the Bases

Performance SUL sales flyer - lists benefits of PSUL.

Product Flyers

An Answer to Charitable Giving Needs

The advantages of using Performance SUL as the foundation of a charitable giving plan.

Product Flyers

Spousal ILIT

An answer to Estate Tax and Supplementary Retirement Needs - Spousal Irrevocable Life Insurance Trust.

Product Flyers

Family Owned Business Continuation

Business continuation utilizing a Buy-Sell Agreement and Performance Survivorship UL.

Product Flyers

Key Person Protection

Performance SUL as a cost effective solution for Key Person protection.

Product Flyers

Policy Protection Rider Enhanced. A benefit for clients and you.

The PPRE is a win-win proposition for clients and you!

Product Flyers

Affordable, versatile survivorship coverage

Performance SUL provides the versatility to meet a wide range of survivorship needs.

Product Flyers

Spousal Access Trust

Performance SUL can be the perfect funding vehicle for a spousal access trust.

Product Flyers

Did you Know John Hancock's Quit Smoking Incentive Can Save Your Clients Money?

See how our innovative Quit Smoking Incentive can save your clients money, plus provide them an added incentive to break the habit.

Product Flyers

Standard Plus Risk Class – Offering a Plus to Healthier Standards.

A detailed look at the underwriting criteria for the new Standard Plus Non Smoker risk class.

Product Flyers

Standard Plus Risk Class – Offering a Plus to Healthier Standards.

A detailed look at the underwriting criteria for the new Standard Plus Non Smoker risk class.

Product Flyers

Protection SUL-G. A New Standard in Versatility

Demonstrates how the product’s three Policy Protection Riders provide the ultimate in design flexibility.

Product Flyers

Quit Smoking Incentive FAQ

Helps answer key questions regarding the Quit Smoking Incentive.

Product Flyers

Performance SUL – A Compelling Alternative to Guaranteed SUL

Performance SUL presents a compelling alternative to guaranteed death benefit SUL, even when assuming a minimum guaranteed interest rate.

Product Flyers

Universal Life FAQ

Describes the impact of changes in current assumptions about mortality, expenses, taxes and investment earnings on COI charges and interest crediting rates on Performance SUL.

Product Flyers

Did You Know…PPRF is Easy to Illustrate?

Discusses how easy it is to illustrate PPRF on both Protection UL-G and Protection SUL-G.

Product Flyers

Did You Know…How to Illustrate PPRE?

Demonstrates how to illustrate the Policy Protection Rider Enhanced -- saving your clients money and increasing your target premium

Product Flyers

Protection SUL-G – A Smart Estate Planning Strategy

A case study that highlights how protection SUL-G can be an important part of estate planning.

Product Flyers

Did You Know... Maintaining Death Benefits with Backdating and 1035 Exchanges

Discusses how JH Illustrator can backdate to save age and illustrate 1035 exchanges

Product Flyers

Did You Know... Loan detail reports are available for VUL, Performance UL and Accumulation UL policies?

Shows how JH Illustrator illustrates the benefit of Zero Net Cost loans on Variable Universal Life and Accumulation UL policies.

Product Flyers

Did You Know... You can split a Protection SUL-G case to trigger the Policy Protection Rider Enhanced (PPRE)?¹

Learn how the PPRE is always a "win-win" situation - with lower premiums for your client and higher targets for you.

Product Flyers

Performance UL and Performance SUL A Smart Savings Strategy

This flyer discusses how Performance UL and Performance SUL offer your clients a low-cost alternative to a guaranteed UL product.

Product Flyers

Protection SUL-G – A Guaranteed Value

Highlights the value of John Hancock’s commitment to delivering a competitive guaranteed survivorship universal life product

Product Flyers

Protection SUL-G – Winning Targets and Cash Values

Describes how Protection SUL-G offers winning targets for you and robust cash values for your client.

Product Flyers

Progressive. Competitive. Guaranteed.

Take a look at why clients and producers choose Protection UL-G and Protection SUL-G.

Product Flyers

Did You Know...You can easily compare Performance UL and Performance SUL to Protection UL-G and Protection SUL-G?

Demonstrates how JH Illustrator's "Click to Compare" button works on Performance UL and Performance SUL.

Product Flyers

Interesting Solutions for Your Clients

With long-term rates at historic lows, Performance UL and Performance SUL are well-positioned to benefit from a rising interest rate environment.

Product Flyers

Low Cost. Long Guarantees. Strong Cash Value Potential.

Provides a detailed look at how Performance UL and Performance SUL provide the optimal solution to address your client's needs.

Product Flyers

Qualifying for PPRE Offers Competitive Premiums and Targets

Describes how clients who partially fund their policy with a lump-sum payment can benefit from a substantial reduction in their ongoing premiums

Product Guides

You've Built Your Success. Now Protect It.

A client-level brochure highlighting the advantages and benefits of SUL-G: Security, Affordability, Flexibility.

Product Guides

SUL-G Product Reference

A reference guide to Survivorship UL-G highlighting the products features and options.

Product Guides

Frequently Asked Questions

Describes how Policy Protection Riders (PPRs) work, emphasizing why it's important to pay premiums on time.

Product Guides

SUL-G Technical Guide

Detailed information on the applications, uses and policy features of SUL-G.

Product Guides

Premium Financing

A quick checklist that will help you determine if the life insurance products you're considering for your clients' premium financing needs measure up.

Product Guides

Survivorship UL Consumer Brochure

A client-level brochure highlighting the strength of John Hancock's survivorship universal life product line.

Product Guides

Survivorship UL Consumer Brochure (NY)

A client-level brochure highlighting the strength of John Hancock's survivorship universal life product line. For use in New York.

Product Guides

All Products Guide

The All Products Guide provides an overview of John Hancock's complete product portfolio and a thumbnail sketch of each products key features and benefits.

Product Guides

All Products Guide

The All Products Guide provides an overview of John Hancock's complete product portfolio and a thumbnail sketch of each products key features and benefits.

Product Guides

All Products Guide

The All Products Guide provides an overview of John Hancock's complete product portfolio and a thumbnail sketch of each products key features and benefits.

Product Guides

All Products Guide

The All Products Guide provides an overview of John Hancock's complete product portfolio and a thumbnail sketch of each products key features and benefits.

Product Guides

Just One Look

A quick reference guide to the most competitive ages and funding patterns for each product we offer, targeting where each product shines.

Product Guides

Just One Look

A quick reference guide to the most competitive ages and funding patterns for each product we offer, targeting where each product shines.

Product Guides

Just One Look

A quick reference guide to the most competitive ages and funding patterns for each product we offer, targeting where each product shines.

Product Guides

Just One Look

A quick reference guide to the most competitive ages and funding patterns for each product we offer, targeting where each product shines.

Product Guides

Performance SUL Producer Guide

Producer guide highlights the key features and benefits of Performance SUL.

Product Rates

Crediting rates and Loan Rates for John Hancock Universal and Variable life policies.

Product Rates

Crediting rates and Loan Rates for John Hancock Universal and Variable life policies.

Product Rates

Universal Life Interest Rate History

Provides historical crediting rates for UL products with inception dates of 2002 to present. JHNY products not included.

Product Rates

Universal Life Interest Rate History

Provides historical crediting rates for UL products with inception dates of 2002 to present. JHNY products not included.

Product Transition Rules

Chart highlighting each product's transition rules.

Product Transition Rules

Chart highlighting each product's transition rules.

Other

Quick Tip!

Fillable App Quick Tip

Flash overview highlighting JH Illustrator's convenient and time-saving option of completing the entire life insurance application electronically, along with the option to save and update your client's input.

Other

Quick Tip!

Fillable App Quick Tip

Other

Quick Tip!

Click to Compare Performance UL and Performance SUL to Protection UL-G and Protection SUL-G.

Demonstrates the Click to Compare button feature on JH Illustrator.

Sample Contract

Sample SUL-G 04 Policy & Riders

Sample SUL-G Policy & Riders

Sample Contract

Sample SUL-G 04 Policy and Riders with PPE

Sample SUL-G Policy and Riders with PPE

Sample Contract

Performance Survivorship UL Sample Contract

A sample contract that outlines the specifications and provisions of a Performance Survivorship UL policy.

Sample Contract

Protection SUL-G with the Policy Protection Rider

Specimen contract that outlines the provisions and specifications of a Protection SUL-G contract with the PPR

Sample Contract

Protection SUL-G with the Policy Protection Rider Enhanced

Specimen contract that outlines the provisions and specifications of a Protection SUL-G contract with the PPRE

Sample Contract

Performance SUL Sample Contract

Sample Contract

Protection SUL-G with the Policy Protection Rider Flex

Specimen contract that outlines the provisions and specifications of a Protection SUL-G contract with the PPRF

Other

State Approvals

State Approval Availability

Interactive State approval availability for John Hancock's life insurance portfolio.

Other

State Approvals

State Approval Availability

Interactive State approval availability for John Hancock's life insurance portfolio.

Other

State Approvals

State Approval Availability

Interactive State approval availability for John Hancock's life insurance portfolio.

Other

State Approvals

State Approval Availability

Interactive State approval availability for John Hancock's life insurance portfolio.

Technical Guide

Protection SUL-G Technical Guide

Provides detailed information of Protection SUL-G's features and riders

Technical Guide

Performance SUL Technical Guide

Provides a technical description of the product and an in depth look at the features and benefits.

Training Presentation

Performance SUL Presentation

Provides a brief snapshot of the Performance SUL’s competitive niche, key features and benefits as well as sales applications.

Power Point

Training Presentation

Protection SUL-G Presentation

Provides a brief snapshots of the Protection SUL-G's competitive niche, key features and benefits as well as sales applications.

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.

Insurance policies and/or associated riders and features may not be available in all states.

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

The Policy Protection Rider (PPR) is automatically included with Protection UL-G and Protection SUL-G. Policy Protection Rider Enhanced (PPRE) and Policy Protection Rider Flex (PPRF) require an additional cost and are available only on Protection UL-G and Protection SUL-G. These riders guarantee that your policy will not default, even if the cash surrender value falls to zero or below, provided the enhanced and flex premium requirements are met. The maximum duration of these riders 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, PPRE, and PPRF cannot be reinstated. Prior to the Protection Commencement date on the PPRE and PPRF, the insurance coverage will continue subject to the Grace Period and Termination provisions of the policy.