John Hancock Introduces Enhanced Accumulation VUL

John Hancock offers and administers a broad range of financial products, including life insurance, annuities,investments, 401(k) plans,long-term care insurance,college savings, and other forms of business insurance. Additional information about John Hancock may be found at johnhancock.com.

Please contact 1-800-827-4546 to obtain product and fund prospectuses (for New York, contact 1-877-391-3748, option 4).  The prospectuses contain 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. Product and product features may not be available in all states.

Variable universal life insurance has annual fees and expenses associated with it in addition to life insurance related charges (which differ with the product chosen), including surrender charges and investment management fees. Variable universal life insurance products are long-term contracts and are sold by prospectus.  They are subject to market risk due to the underlying sub-accounts, and are unsuitable as a short term savings vehicle. The primary purpose of variable universal life insurance is to provide lifetime protection against economic loss due to the death of the insured person.  Cash values are not guaranteed if the client is invested in the investment accounts.  There are risks associated with each investment option, and the policy may lose value.

Loans and withdrawals will reduce the death benefit and the cash surrender value, and may cause the policy to lapse. Lapse or surrender of a policy with a loan may cause the recognition of taxable income. Withdrawals in excess of the cost basis (premiums paid) will be subject to tax and certain withdrawals within the first 15 years may be subject to recapture tax.  Additionally, policies classified as modified endowment contracts may be subject to tax when a loan or withdrawal is made.  A federal tax penalty of 10% may also apply if the loan or withdrawal is taken prior to age 59 1/2.  Cash value available for loans and withdrawals may be more or less than originally invested. Withdrawals are available after the first policy year.

John Hancock reserves the right to modify VUL TargetTrack, and may discontinue its availability, at any time with or without notice. Asset allocation does not ensure a profit or protect against loss. Whether an asset allocation schedule modeled by VUL TargetTrack will be appropriate for you, depends on many factors, including the specific purposes for which you are purchasing the policy, and your other financial resources, obligations and plans. You should consider all such factors carefully, in consultation with your sales representative, when deciding whether to elect or to continue any allocation schedule.

Allocating net premiums to a Lifestyle MVP Portfolios is designed to help reduce the market volatility that one may experience through the allocation of premiums to only one or a small number of investment options. There are risks associated with any investment and it is possible to lose money by investing in the Lifestyle MVP Portfolios.

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. MLINY052114157

Policy Form Series:
ICC14 14ACCVUL; 14ACCVUL

SOURCE John Hancock Insurance