With its flexible guarantees and customizable features, John Hancock’s Protection VUL offers both choice and control — allowing you to tailor a VUL insurance solution that meets your clients' specific needs. Make the sale by showing them the top reasons to choose Protection VUL:
A flexible death benefit guarantee allows clients to choose the no-lapse guarantee option that best fits their life and budget
Robust growth potential through a wide range of investment options, plus no restrictions to maintain age-100 guarantee
Extra financial protection against the unexpected, including the choice of a tax-qualified Long-Term Care rider or cash indemnity Chronic Illness rider
A unique opportunity to reduce the guaranteed premium through participation in John Hancock’s one-of-a-kind Vitality PLUS program
Easy policy management with LifeTrack, our industry-first policy management tool designed to help you and your clients keep their policies on track to meet their coverage objectives
For help with your next VUL case, please contact your John Hancock sales representative or call National Sales Support at 888-266-7498, option 2.
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THIS MATERIAL IS FOR INSTITUTIONAL/BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION OR USE WITH THE PUBLIC. Insurance policies and/or associated riders and features may not be available in all states. Protection VUL is not available in New York. Protection VUL policies automatically include a no-lapse guarantee called the Death Benefit Protection rider which is optimized for an age-80 guarantee — or, if elected for an additional cost, an Enhanced Death Benefit Protection rider which is optimized for an age-100 guarantee. Both technically provide a guarantee to age 121 if enough premium is paid. Each of these options guarantees that the policy will not default, even if the cash surrender value falls to zero or below, provided that the Net Death Benefit Protection Value remains greater than zero and policy debt does not exceed the policy value. Once terminated, the Death Benefit Protection rider or Enhanced Death Benefit Protection rider cannot be reinstated. See the product guide for additional details. Guaranteed product features are dependent upon minimum-premium requirements and the claims-paying ability of the issuer. Variable universal life insurance has annual fees and expenses associated with it in addition to life insurance-related charges. Variable universal life insurance products are subject to market risk and are unsuitable as short-term savings vehicles. Cash values are not guaranteed and will fluctuate, and the policy may lose value. Variable life insurance is sold by product and fund prospectuses, which should be read carefully. They contain information on the investment objectives, risks, charges and expenses of the variable product and its underlying investment options. These factors should be considered carefully before investing. Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock.
Some riders may have additional fees and expenses associated with them. Refer to the product prospectus for additional information. 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 are 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.
