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The High Par Indexed Account current cap rate is 10.0% (9% in NY) [2.5% guaranteed in all jurisdictions], the current Capped Indexed Account rate is 11.5% (10.5% in NY) [3% guaranteed in all jurisdictions], the current Threshold rate is 6.0% (6.5% in NY) [20% guaranteed in all jurisdictions].

The translated assumption is not a predictor of actual Indexed UL performance, nor is it in any way indicative of how the Indexed UL policy will perform relative to the performance of the S&P 500 Index.

The interest credits linked to the performance of the S&P 500 Index exclude dividends. Standard & Poor's®, S&P®, S&P 500®, Standard & Poor's 500 and 500 are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by John Hancock. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor's, and Standard & Poor's makes no representation regarding the advisability of purchasing the product. The S&P 500® Index is an index of 500 stocks that are generally representative of the performance of leading companies in leading industries within the U.S. You cannot invest directly in the S&P 500® Index.

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

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 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595

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