Introducing John Hancock’s New Protection UL and Protection SUL Put Your Sales in High Gear!John Hancock’s Protection UL AND Protection SUL have been the industry’s best alternative to guaranteedUL/SUL since 2011and continue to offer low premiums and substantial cash value growth potential.

Page 1 of 2. Not valid without both pages.

PROTECTION UL | PROTECTION SUL

May 20, 2013

Male, 60, Best Risk Class, Level-Pay, $1,000,000 Face Amount

Company Premium Differential Cash Value in Year 10

John Hancock’s Protection UL $13,175 — $65,586

American General $14,412 9% $13,996

Protective $14,416 9% $0

Lincoln $14,499 10% $0

Prudential $14,512 10% $44,248

Nationwide $14,553 10% $0

Principal $15,605 18% $0

Transamerica $16,935 27% $35,263

Protection UL’s premium is based on current assumptions, solve to $1 at age 121, and includes a guarantee to age 80. Competitor information is current and accurate to the bestof our knowledge as of May 2013. The data shown is taken from various company illustrations. Current interest rates may be different for each company and may not be guaranteed.The comparisons in this communication are of different products which vary in premiums, rates, fees, expenses, features and benefits. These comparisons cannot be used with thepublic and complete personalized policy illustrations for each representative company must be presented or discussed with your clients. Please have your clients consult with theirprofessional advisors to find out which type of life insurance is more suitable.

LOWER PREMIUMS PLUS HIGHER CASH VALUES!

See important information on next page.

PROTECTION UL | PROTECTION SUL

State Approvals and Illustration SystemPlease refer to the state approval map for current state approvals. State approvals will be updated on jhillustrator.com.

New Business and Underwriting InformationProtection UL’12 and Protection SUL’12 will no longer be offered in approved states. In order to provide a transition period and secureissue of the current product, the following criteria must be met by these dates:

Page 2 of 2. Not valid without both pages.

Deadline Requirements

June 21, 2013 If seeking an Informal Offer – the John Hancock home office must receive a Protection UL ‘12 orProtection SUL ‘12 illustration signed by the insured and owner, and a tentative underwriting decision mustbe obtained by this date.ORIf seeking a Formal Offer – the John Hancock home office must receive a Protection UL ‘12 or ProtectionSUL ‘12 application signed by the insured and owner (note that if the policy is to be trust-owned, at aminimum the insured’s signature is requirement by this date). An illustration on the case is also required.ORFor a Term Conversion – the John Hancock home office must receive a Term Conversion applicationsigned by the insured and owner by this date.New York Only – For a replacement, in lieu of an application, you must submit in good order, to our home office, a fully executed New York Definition of Replacement and Notification and Authorization form.

August 16, 2013 John Hancock has provided a final underwriting offer, received all administrative requirements to issue the policy, and received confirmation to proceed with the 1035 Exchange (if applicable).New York Only – when a replacement is involved we also require Reg 60 be completed and confirmationto proceed with the 1035 Exchange (if applicable).

For more information visit www.JHSalesnet.com.

For agent use only. Not for use with the public.Protection UL and Protection SUL policies automatically include a no-lapse guarantee called Death Benefit Protection. This feature guarantees that the policy will not default, evenif the cash surrender value falls to zero or below, provided that the Death Benefit Protection Value remains greater than zero and policy debt never exceeds the Policy Value. Onceterminated, the Death Benefit Protection feature cannot be reinstated. See the product technical guide for additional details. Protection IUL policies automatically include a no-lapse guarantee called Death Benefit Protection. This feature guarantees that the policy will not default, even if the cash surrender value falls to zero or below, provided that theDeath Benefit Protection Value remains greater than zero and policy debt never exceeds the Policy Value. Once terminated, the Death Benefit Protection feature cannot be reinstated.See the product technical guide for additional details.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.Some riders may have additional fees and expenses associated with them.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 NewYork, Valhalla, NY 10595.MLINY050913067 05/13