You now have a more powerful survivorship solution for your estate- and legacy-planning cases: Protection Survivorship IUL 26.
Built on our leadership in the survivorship market, this next-generation product is designed to help you win more cases with a smart combination of pricing, guarantees, and indexed growth potential — all in one cost-efficient package.
What's new:
Lower premiums where it matters most: Reduced costs across funding designs, with meaningful improvements for single- and short-pay scenarios.
Extended guarantees: Flexible protection options, including guarantees up to age 100 and the Enhanced Death Benefit Protection rider.
Smarter growth potential: Introducing the SimpleLock Capped Indexed Account to help manage market volatility, along with SmartStart segments for simpler annual reviews.
For more information, please call your John Hancock sales representative or National Sales Support at 888-266-7498, option 2.
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FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC.
Protection SIUL policies automatically include a no-lapse guarantee called the Death Benefit Protection rider which is optimized for a guarantee to around life expectancy — 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
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.
Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116
