JOHN HANCOCK INSURANCE HOMELIFE INSURANCEVITALITY PROGRAMTOOLS & RESOURCESMY POLICYLOG INLIFE AT A GLANCE John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LOG IN - JOHN HANCOCK INSURANCE John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

MY POLICY - JOHN HANCOCK INSURANCE John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LIFE INSURANCE POLICYHOLDER John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LONG-TERM CARE CLAIM John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

PERMANENT LIFE INSURANCE With a universal life insurance policy, you have the flexibility to customize the timing and amount of your premium payment, while still enjoying all the traditional benefits of permanent life insurance, like lifetime protection and cash value accumulation potential.

DEATH CLAIM

A Claim Form completed and signed by the Trustee(s) of the Trust and a Trustee Certification Form is required. In addition, the IRS Form W-9 should be completed in the name of the Trust, with the Employer Identification Number (EIN) of the Trust provided and signed and dated

by the Trustee(s).

LTC RATE ACTION INFORMATION CENTER Welcome to the John Hancock Long-Term Care Insurance Rate Action Information Center. This site is intended to serve as a general guide for policyholders who have been notified of a rate increase on their long-term care (LTC) insurance policy.

HOME LOG OUT

How to Attach a File. Click â Attach Filesâ button. The file upload page will open. Click 'Browse' to select the file, or type the path to the file in the box below (you can upload 5 files a time). ADVANCED MARKETS LONG-TERM CARE (LTC) RIDERS LIFE-5124 11/19 Page 1 of 11. Not valid without all pages. Advanced Markets Because you asked Table of contents 1. What is a long-term care (LTC) rider? 2 2. JOHN HANCOCK INSURANCE HOMELIFE INSURANCEVITALITY PROGRAMTOOLS & RESOURCESMY POLICYLOG INLIFE AT A GLANCE John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LOG IN - JOHN HANCOCK INSURANCE John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

MY POLICY - JOHN HANCOCK INSURANCE John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LIFE INSURANCE POLICYHOLDER John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LONG-TERM CARE CLAIM John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

PERMANENT LIFE INSURANCE With a universal life insurance policy, you have the flexibility to customize the timing and amount of your premium payment, while still enjoying all the traditional benefits of permanent life insurance, like lifetime protection and cash value accumulation potential.

DEATH CLAIM

A Claim Form completed and signed by the Trustee(s) of the Trust and a Trustee Certification Form is required. In addition, the IRS Form W-9 should be completed in the name of the Trust, with the Employer Identification Number (EIN) of the Trust provided and signed and dated

by the Trustee(s).

LTC RATE ACTION INFORMATION CENTER Welcome to the John Hancock Long-Term Care Insurance Rate Action Information Center. This site is intended to serve as a general guide for policyholders who have been notified of a rate increase on their long-term care (LTC) insurance policy.

HOME LOG OUT

How to Attach a File. Click â Attach Filesâ button. The file upload page will open. Click 'Browse' to select the file, or type the path to the file in the box below (you can upload 5 files a time). ADVANCED MARKETS LONG-TERM CARE (LTC) RIDERS LIFE-5124 11/19 Page 1 of 11. Not valid without all pages. Advanced Markets Because you asked Table of contents 1. What is a long-term care (LTC) rider? 2 2. CONTACT US - JOHN HANCOCK INSURANCE John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

MANAGING A LIFE INSURANCE CLAIM John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LTC GROUP/ EMPLOYER PURCHASED PLANS John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LTC INDIVIDUAL PURCHASED PLANS John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

VITALITY COMPARISON CHART John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LONG-TERM CARE CLAIMS GLOSSARY A Activities of Daily Living —Personal care activities that may include bathing, dressing, eating, transferring, toileting, continence, and mobility. Acute Care — Critical care provided by a doctor or other health care professional designed to treat or cure an illness, wound, or condition.This care is usually received in a critical care facility such as a hospital or acute rehabilitation AUTOMATIC BANK WITHDRAWAL AUTHORIZATION FORM Last Street City State Zip Bank Name: Account Owner: Account Type: (Checking / Savings Only) Bank Routing Number: Account Number: I authorize John Hancock Life & Health Insurance Company/John Hancock Life Insurance Company (U.S.A.) to initiate automatic bank ASSIGNMENT OF BENEFITS Ohio Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or

DIRECT DEPOSIT FORM

Direct Deposit Form Our usual practice is to reimburse our insureds, by check, for the covered long-term care services they receive. As the

insured, if you

VARIABLE LIFE INSURANCE ACCUMULATION VUL 2019 Variable Life Insurance Accumulation VUL 2019 Prospectus April 26, 2021 INSURANCE PRODUCTS: • are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate; JOHN HANCOCK INSURANCE HOMELIFE INSURANCEVITALITY PROGRAMTOOLS & RESOURCESMY POLICYLOG INLIFE AT A GLANCE John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LOG IN - JOHN HANCOCK INSURANCE John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

MY POLICY - JOHN HANCOCK INSURANCE John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LIFE INSURANCE POLICYHOLDER John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LONG-TERM CARE CLAIM John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

PERMANENT LIFE INSURANCE With a universal life insurance policy, you have the flexibility to customize the timing and amount of your premium payment, while still enjoying all the traditional benefits of permanent life insurance, like lifetime protection and cash value accumulation potential.

DEATH CLAIM

A Claim Form completed and signed by the Trustee(s) of the Trust and a Trustee Certification Form is required. In addition, the IRS Form W-9 should be completed in the name of the Trust, with the Employer Identification Number (EIN) of the Trust provided and signed and dated

by the Trustee(s).

LTC RATE ACTION INFORMATION CENTER Welcome to the John Hancock Long-Term Care Insurance Rate Action Information Center. This site is intended to serve as a general guide for policyholders who have been notified of a rate increase on their long-term care (LTC) insurance policy.

HOME LOG OUT

How to Attach a File. Click â Attach Filesâ button. The file upload page will open. Click 'Browse' to select the file, or type the path to the file in the box below (you can upload 5 files a time). ADVANCED MARKETS LONG-TERM CARE (LTC) RIDERS LIFE-5124 11/19 Page 1 of 11. Not valid without all pages. Advanced Markets Because you asked Table of contents 1. What is a long-term care (LTC) rider? 2 2. JOHN HANCOCK INSURANCE HOMELIFE INSURANCEVITALITY PROGRAMTOOLS & RESOURCESMY POLICYLOG INLIFE AT A GLANCE John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LOG IN - JOHN HANCOCK INSURANCE John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

MY POLICY - JOHN HANCOCK INSURANCE John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LIFE INSURANCE POLICYHOLDER John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LONG-TERM CARE CLAIM John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

PERMANENT LIFE INSURANCE With a universal life insurance policy, you have the flexibility to customize the timing and amount of your premium payment, while still enjoying all the traditional benefits of permanent life insurance, like lifetime protection and cash value accumulation potential.

DEATH CLAIM

A Claim Form completed and signed by the Trustee(s) of the Trust and a Trustee Certification Form is required. In addition, the IRS Form W-9 should be completed in the name of the Trust, with the Employer Identification Number (EIN) of the Trust provided and signed and dated

by the Trustee(s).

LTC RATE ACTION INFORMATION CENTER Welcome to the John Hancock Long-Term Care Insurance Rate Action Information Center. This site is intended to serve as a general guide for policyholders who have been notified of a rate increase on their long-term care (LTC) insurance policy.

HOME LOG OUT

How to Attach a File. Click â Attach Filesâ button. The file upload page will open. Click 'Browse' to select the file, or type the path to the file in the box below (you can upload 5 files a time). ADVANCED MARKETS LONG-TERM CARE (LTC) RIDERS LIFE-5124 11/19 Page 1 of 11. Not valid without all pages. Advanced Markets Because you asked Table of contents 1. What is a long-term care (LTC) rider? 2 2. CONTACT US - JOHN HANCOCK INSURANCE John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

MANAGING A LIFE INSURANCE CLAIM John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LTC GROUP/ EMPLOYER PURCHASED PLANS John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LTC INDIVIDUAL PURCHASED PLANS John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

VITALITY COMPARISON CHART John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term

care insurance).

LONG-TERM CARE CLAIMS GLOSSARY A Activities of Daily Living —Personal care activities that may include bathing, dressing, eating, transferring, toileting, continence, and mobility. Acute Care — Critical care provided by a doctor or other health care professional designed to treat or cure an illness, wound, or condition.This care is usually received in a critical care facility such as a hospital or acute rehabilitation AUTOMATIC BANK WITHDRAWAL AUTHORIZATION FORM Last Street City State Zip Bank Name: Account Owner: Account Type: (Checking / Savings Only) Bank Routing Number: Account Number: I authorize John Hancock Life & Health Insurance Company/John Hancock Life Insurance Company (U.S.A.) to initiate automatic bank ASSIGNMENT OF BENEFITS Ohio Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or

DIRECT DEPOSIT FORM

Direct Deposit Form Our usual practice is to reimburse our insureds, by check, for the covered long-term care services they receive. As the

insured, if you

VARIABLE LIFE INSURANCE ACCUMULATION VUL 2019 Variable Life Insurance Accumulation VUL 2019 Prospectus April 26, 2021 INSURANCE PRODUCTS: • are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate;

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John Hancock Aspire™ is the first and only life insurance designed for people living with diabetes.

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John Hancock Aspire™ is the first and only life insurance designed for people living with diabetes.

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COMPLIMENTARY AMAZON HALO NOW AVAILABLE TO JOHN HANCOCK VITALITY PLUS MEMBERS An innovative new tool to help you better measure, understand and improve your health.

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GET MORE OUT OF YOUR LIFE INSURANCE POLICY WHEN YOU PURCHASE A LIFE INSURANCE POLICY WITH JOHN HANCOCK VITALITY PLUS, YOU CAN EARN THE LATEST APPLE WATCH FOR $25 PLUS TAX BY EXERCISING REGULARLY.

LEARN MORE

WHERE ARE YOU IN YOUR LIFE?

Getting Married

When "me" becomes "we," it's time to think about life insurance.

Buying a Home

Closing on a home opens new financial responsibilities. See how life

insurance can help.

Growing Your Family

When "we" becomes three (or four or five), your priorities change. Protect their financial future with life insurance. Planning for Retirement Let your life insurance work for you, so you can focus on having fun.

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FINANCIAL RATING

Rated among the strongest in the industry by A.M. Best, we’re here when you need us.*** * Represents inforce John Hancock life insurance and long-term care policyholders as of December 2020. ** Payments made in 2020 for life insurance and long-term care claims. *** Second highest of 13 ratings (superior ability to meet ongoing insurance obligations). Financial strength rating is current as of November 11, 2020, is subject to change, and applies to John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York as a measure of each company's financial ability to pay claims and to honor any guarantees provided by the contract and any applicable optional riders. These companies have also received additional financial strength ratings from other rating agencies. Financial strength ratings are not an assessment, recommendation, or guarantee of specific products and their investment returns or value, do not apply to individual securities held in any portfolio or the practices of an insurance company, and do not apply to the safety and performance of separate accounts. The benefits available under Aspire can vary depending on whether the insured has Type 1 or Type 2 diabetes, the type and coverage amount of the life insurance policy purchased and the level of Onduo engagement with the John Hancock Vitality Program. Eligibility for an Onduo membership is also subject to Onduo’s qualification requirements. Certain aspects of Aspire may change over time. There is no coordination between Aspire and any health benefits you may receive from an insurance policy, health plan, or any other wellness programs you may be enrolled in. Aspire is not available in New York, Idaho and Puerto Rico.

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* Financial Professional Site John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term care insurance). Vitality is the provider of the John Hancock Vitality Program in connection with Life insurance policies issued by John

Hancock.

Please consult your insurance agent as to product availability, additional information, costs, and complete details on coverage. Product availability, features, benefits and costs may vary by state. The life insurance policy describes coverage under the policy, exclusions and limitations, what you must do to keep your policy inforce, and what would cause your policy to be discontinued. Apple Watch program is not available in New York or Puerto Rico. Apple Watches ordered through John Hancock Vitality may not be shipped to addresses in Guam. Once you become a Vitality PLUS member and complete the Vitality Health Review (VHR), you can order Apple Watch by electronically signing, at checkout, a Retail Installment Agreement with the Vitality Group, for the retail price of the watch. After an initial payment of $25 plus tax, over the next two years, monthly out-of-pocket payments are based on the number of Standard Workouts (10,000 to 14,999 steps) and Advanced Workouts (15,000 steps) or the applicable Active Calorie thresholds. The step counts required for Standard and Advanced Workouts are reduced for members beginning at age 71+. One-time upgrade fees plus taxes apply if you choose (GPS + Cellular) versions of Apple Watch, larger watch case sizes, and certain bands and case materials. For more information, please visit JohnHancockInsurance.com. Apple is not a participant in or sponsor of this promotion. Apple Watch 6 and Apple Watch SE require iPhone 6s or later with iOS 14 or later. Apple Watch is a registered trademark of Apple Inc. All rights reserved. Vitality Rewards may vary based on the type of insurance policy purchased for the insured (Vitality Program Member) and the state where the insurance policy was issued. John Hancock Vitality Program rewards and discounts are only available to the person insured under the eligible life insurance policy. Rewards and discounts are subject to change and are not guaranteed to remain the same for the life of

the policy.

Premium savings are in comparison to the same John Hancock policy without the Vitality program. Premium savings over the life of the policy will vary based upon policy type, the terms of the policy, and the level of participation in the John Hancock Vitality PLUS

program.

HealthyFood savings are based on qualifying purchases and may vary based on the terms of the John Hancock Vitality program. The HealthyFood program is currently not available in Guam. The HealthyMind (Headspace), Hotels.com and Amazon Prime benefits are not available in New York. In New York, entertainment, shopping, and travel rewards are not available and are replaced by healthy living and active lifestyle rewards. REI is not affiliated with the John Hancock Vitality Program. REI does not sponsor, endorse or have any responsibility for this promotion. For Amazon.com Gift Cards, restrictions apply, see Amazon.com/GC-legal. Amazon Prime membership available to Vitality PLUS members who have reached Platinum Status for three consecutive program years. The complimentary Amazon Halo device and three-year Halo membership are only available to new Vitality PLUS Members and are not available with policies issued in New York, Puerto Rico and Guam. At the end of the complimentary Amazon Halo health and wellness membership, charges will apply automatically to the credit card on file with Amazon.com unless the membership is opted out of. Amazon Halo allows Vitality members to earn Vitality Points for physical activity, Halo Sleep and Halo Labs. The Amazon Halo health and wellness membership is required in order to earn Vitality Points for Halo Sleep and the full suite of Halo Labs. Other features of Halo are not eligible for Vitality Points with the Vitality Program. Amazon and all related marks are trademarks of Amazon.com, Inc. or its affiliates. You must redeem your Amazon Prime Membership Code and agree to the Amazon Prime Terms and Conditions to qualify for Amazon Prime membership. Your Amazon Prime membership automatically renews for the membership fee in effect at the time of renewal plus applicable taxes. You may cancel at any time by visiting Your Account and adjusting your membership settings. Valid credit card required at time of registration if Amazon does not have one on file. Amazon Prime Membership Codes cannot be transferred or resold. For more information about Amazon Prime, visit amazon.com/prime. Amazon.com is not a sponsor of this promotion. Products or services offered under the Vitality Program are not insurance and are subject to change. There may be additional costs associated with these products or services and there are additional requirements associated with participation in the program. For more information, please contact the company at JohnHancockInsurance.com or via telephone at 888-333-2659. Accessing a policy's potential cash value via 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.

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