Life Insurance Illustration. Prepared For: Client
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- Egbert Johnston
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1 Life Insurance Illustration Prepared For: Prepared By: Life Agent Cavalier Associates 281 Townsgate Rd. Suite 35 Westlake Village, CA ph:
2 John Hancock Life Insurance Company (U.S.A.) Valuable Information About Your Life Insurance Illustration Protection Indexed Universal Life Insurance The Protection Indexed Universal Life Insurance policy which you are considering provides flexible death benefit protection and premium payment flexibility. The values in the insurance policy are based on several factors, including: The amount and timing of each premium payment; Interest earned in a Fixed Account (referred to contractually as the Guaranteed Interest Account) or in an Indexed Account Holding Segment; Index Segment Interest Credits (earned by Segments in an Index Appreciation Account on a Segment Maturity Date); and Cost of Insurance and other charges. Certain aspects of the policy cannot be predicted with certainty. These nonguaranteed elements are described on the following pages. For example, the interest rate credited to the Fixed Account may exceed its guaranteed rate, Index Segment Interest Credits may exceed the Segment Floor Rate, and monthly charges may be less than the maximum guaranteed charges. These rates and charges may also vary from those illustrated. In addition, we may change the Segment Cap Rate, the Segment Threshold Rate, and other factors. This is an illustration only and is not intended to predict actual performance. Capitalized terms throughout the illustration have specific meanings to the policy and are defined either here or in the policy contract. Descriptions provided in this illustration are meant as a summary of the product and its features; however it does not supersede, nor should it be considered a substitute for the policy contract. Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test Based on Current Charges and Varying Rates full details. Amounts held in the Fixed Account (as well as amounts you have allocated to an Indexed Account that have not yet been designated to a Segment) earn a rate of interest as described in the Fixed Account Interest Rate section. Amounts that you allocate to either of the Indexed Accounts form individual Segments within the Indexed Account(s) chosen. Segments are formed once per calendar month, on a Segment Initiation Date, and earn an Index Segment Interest Credit at the end of a one year Segment Term. The Index Segment Interest Credit proceeds are calculated and earned at Segment Maturity only. If the policy terminates prior to a Segment Maturity Date, any unmatured Segments will not earn interest credit. See the Capped Indexed Account and Uncapped Indexed Account sections for a further explanation of Index Segment Interest Credits. The Index Segment Interest Credit is calculated using a formula described in the policy that references an outside Index (Standard & Poor s 5 Composite Stock Price Index), excluding dividends and as measured on a point-to-point basis. The policy does not directly participate in any stock or equity investments. Both Indexed Accounts have a guaranteed Segment Floor Rate of %; however each reflects the positive performance of the Index differently. These differences are summarized in the following sections, and described fully in the policy. As each Segment matures, you can choose to allocate the Segment Proceeds to a different account option, or by default have it rollover to a new Segment of the same account type. How a Protection Indexed UL Policy Credits Interest Protection Indexed UL policy premium payments may be allocated (after deduction of a Premium Charge) to the Fixed Account, the Capped Indexed Account, the Uncapped Indexed Account, or any combination of these three accounts. The two Indexed Accounts are collectively known as the Index Appreciation Account. This section outlines basic Protection Indexed UL interest crediting; however the policy contract provides Your Policy comprises the Fixed Account, the Index Appreciation Account, and a Loan Account, when applicable. We deduct the Monthly Deduction and any other charges from the Fixed Account and the Index Appreciation Account proportionately. Like other types of Universal Life policies, you may also take policy loans or withdrawals from the Policy, subject to certain limits and restrictions. Capped Indexed Account Version: 9.1. S[ ] Page 1 of 21 3/12/213 1:27:18 PM
3 John Hancock Life Insurance Company (U.S.A.) Valuable Information About Your Life Insurance Illustration (cont'd) Segments in the Capped Indexed Account may earn an Index Segment Interest Credit based on the performance of the Index, subject to the following: 13.% current Segment Cap Rate (guaranteed 3.% Segment Minimum Cap Rate); % guaranteed Segment Floor Rate; S&P 5 Index, without dividends; One year Segment Term; and 1% guaranteed Participation Rate. On its Segment Maturity Date, each Segment earns an Index Segment Interest Credit at a Segment Growth Rate equal to the rate of change in the Index during the Segment Term. The credit will not be less than the % Segment Floor Rate and is capped at the Segment Cap Rate. We may change the Segment Cap Rate for future Segments; however it will never be less than the Segment Minimum Cap Rate. The rate in effect on the Segment Initiation Date is guaranteed for the full duration of that Segment Term. Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test Based on Current Charges and Varying Rates Segment Maximum Threshold Rate. The Segment Threshold Rate may change more frequently than the Segment Cap Rate for the Capped Indexed Account, though the rate in effect on the Segment Initiation Date is guaranteed for the full duration of that Segment Term. Capped & Uncapped Indexed Account Crediting Example This is an example of the rates of Index Segment Interest Credit that Segments in your policy s Indexed Accounts would receive assuming hypothetical Index Change rates of the S&P 5 Index over a Segment Term: Segment Growth Rate Index Change Capped Indexed Acct Uncapped Indexed Acct -2.%.%.% 5.% 5.%.% 1.% 1.% 4.5% 2.% 13.% 14.5% Uncapped Indexed Account Segments in the Uncapped Indexed Account may earn an Index Segment Interest Credit based on the performance of the Index, subject to the following: Segment Cap Rate; 5.5% current Segment Threshold Rate (2.% guaranteed Segment Maximum Threshold Rate); % guaranteed Segment Floor Rate; S&P 5 Index, without dividends; One year Segment Term; and 1% guaranteed Participation Rate. On its Segment Maturity Date, each Segment earns an Index Segment Interest Credit at a Segment Growth Rate equal to the rate of change in the Index during the Segment Term minus the Segment Threshold Rate. The credit will not be less than the % Segment Floor Rate and has no capped rate. We may change the Segment Threshold Rate for future Segments; however it will never be greater than the The example above assumes the current Capped Indexed Account Segment Cap Rate of 13.% and Uncapped Indexed Account Segment Threshold Rate of 5.5%. It also uses the guaranteed Segment Floor Rate and Participation Rates applicable to both Indexed Accounts. The Capped Indexed Account guaranteed Segment Minimum Cap Rate is 3.% and the Uncapped Indexed Account guaranteed Segment Maximum Threshold Rate is 2.%. Death Protection This policy illustration shows the Death Protection feature guaranteeing the policy death benefit to the Life Insured s attained age 85. As long as the Death Protection feature is in effect, your policy cannot lapse even if the Cash Surrender falls to zero or below. The Death Protection feature will stay in effect as long as the reference value called the Death Protection is greater than zero. Version: 9.1. S[ ] Page 2 of 21 3/12/213 1:27:18 PM
4 John Hancock Life Insurance Company (U.S.A.) Valuable Information About Your Life Insurance Illustration (cont'd) The Death Protection is a reference value and is only used to determine whether or not the Death Protection feature will stay in effect. The policy owner cannot access this reference value. Like your Policy, the Death Protection is directly affected by the timing and amounts of premiums paid. To ensure that you have the Death Protection feature in effect for the period illustrated, it is important that premium payments are paid when they are due, otherwise your policy may lapse. For purposes of calculating your Death Protection, we will apply premiums retroactively to the beginning of the policy month in which they are received. Death benefit option changes, loans, withdrawals, rider termination or change, and/or face amount decreases will also affect the Death Protection feature. If a policy loan is outstanding, the Death Protection feature will not prevent your policy from lapsing if the Policy falls to zero. Death Protection Feature cannot be reinstated after it lapses. Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test Based on Current Charges and Varying Rates Deduction and any other charges. These factors, as well as any outstanding policy loans or withdrawals, could necessitate additional premium payments to maintain your insurance coverage. Paying less than the planned premium can have a negative impact on the policy and its guarantees. Premium payments in excess of the Planned Premium are subject to underwriting approval. Premium Outlay Based on Guaranteed Assumptions Based on the initial Death shown in the illustration, the level annual premium to guarantee coverage for life is $26, Death Option changes, loans, withdrawals, policy changes, and Face Amount changes will cause this premium to be recalculated. Premiums are subject to maximum guidelines allowed by the Internal Revenue Code. Minimum Initial Premium The Minimum Initial Premium shown on the Basic Illustration Summary page is the minimum premium to carry the policy for one policy month in the first policy year. If the policy is backdated the Minimum Initial Premium multiplied by the number of months backdated plus one month is required to put the policy inforce. Death The life insurance provided in this illustration reflects an initial Total Death of $1,,. The initial Death is composed of $1,, in Face Amount (Option 2). The Death reflects any Policy Debt (total loans plus any loan interest due). Planned Premium Outlay One of the advantages of Protection Indexed Universal Life Insurance is premium payment flexibility, allowing you to vary the amount of your payments. This illustration assumes an initial Planned Premium outlay of $. and that all subsequent premium payments are made at the beginning of each modal period. Reduced or discontinued premiums in future years are only possible if the premiums paid and amounts credited are sufficient to cover the Monthly Premium and Maturing Segment Allocations This policy illustration uses the following (initial ) allocations for new premium. Premium Allocation Fixed Account 8% Capped Indexed Account 2% Uncapped Indexed Account % Amounts allocated to the Index Appreciation Account only form new Segments on the Segment Initiation Date (the 15th day of the month), subject to a Lock In Date of three Business Days prior to the Segment Initiation Date. Depending on the date that we receive your premium, there may be a delay of up to one month between the Lock In Date and the Segment Initiation Date when any allocated portion of the premium is Version: 9.1. S[ ] Page 3 of 21 3/12/213 1:27:18 PM
5 John Hancock Life Insurance Company (U.S.A.) Valuable Information About Your Life Insurance Illustration (cont'd) included in a new Segment. The policy illustration does not take this potential delay into account. Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test Based on Current Charges and Varying Rates various assumed, hypothetical Capped and Uncapped Indexed Account Segment Growth Rates. Proceeds from maturing Index Appreciation Account Segments are illustrated rolling over to new Segments of the same Indexed Account type (the default allocation); however policy owners may elect to allocate maturing Segment Proceeds to any combination of the three accounts by Written Request. Index Appreciation Account Illustrated Interest Rates This illustration assumes Index Segment Interest Credits applied to amounts in the Capped Indexed Account and the Uncapped Indexed Account that are calculated on the basis of initial assumed, hypothetical effective annual Segment Growth Rates of 7.% and 8.5%, respectively. The maximum illustrated Segment Growth Rate for the Capped Indexed Account is 7.79%, and the maximum illustrated rate for the Uncapped Indexed Account is 8.5%. The maximum illustrated Segment Growth Rates that we allow are based on a calculation of the average Segment Growth Rate using the current Segment Cap Rate, current Segment Threshold Rate, guaranteed Participation Rate and guaranteed Segment Floor Rate. These are applied against the past performance of the S&P 5, using a daily average of its annual compounded rates of return, excluding dividends, over a 25-year historical period from 1/1/1988 through 12/31/212. Hypothetical Segment Growth Rates using Different Look-Back Period Assumptions Look-Back Periods Indexed Account Type 1 yrs 2 yrs 25 yrs 3 yrs 4 yrs Capped Indexed Account 7.23% 7.58% 7.65% 8.5% 7.31% Uncapped Indexed Account 6.3% 7.78% 7.59% 8.85% 7.73% Historical performance is only one method available to help you understand how changes in index performance may affect the policy value and premium payment schedule. Other approaches exist as well and we recommend you review additional illustrations using Fixed Account Interest Rate Interest on amounts in the Fixed Account is illustrated at an initial assumed effective annual rate of 5.%. We determine the rate of interest to be credited to the Fixed Account based on our assessment of investment yields and other considerations as outlined in the policy. The current rate may increase or decrease, but at no point will the interest credited on amounts in the Fixed Account be lower than the Minimum Guaranteed Interest Account Annual Rate of 2.%. Illustrations show interest applied to the Fixed Account at the Minimum Guaranteed Interest Account Annual Rate, and an assumed rate (or rates). The assumed illustrated rate will never be higher than the current rate, or lower than the Minimum Guaranteed Interest Account Annual Rate. s illustrated at the current or an assumed rate are not guarantees or estimates, but merely illustrate results on the basis of the selected assumption. The illustrated current rate shows the rate of interest increasing for policies that are still in force at the beginning of Policy 11. We may credit your policy with a "persistency bonus," which is illustrated here to be an annual increase of.65%. We do not guarantee that there will be an increase in the Fixed Account interest rate due to a persistency bonus. If there is an increase, it will be applied only to the un-loaned portion of Policy allocated to the Fixed Account, and to any amount allocated to an Indexed Account but not yet designated to a Segment. Accessing Policy After your policy has been In Force for one year, you can make partial cash withdrawals. You can surrender your policy for cash at any time. We will pay you the Policy less a Surrender Charge and any Policy Debt you may have. You can also borrow the available cash value at any time. Policy Loans Version: 9.1. S[ ] Page 4 of 21 3/12/213 1:27:18 PM
6 John Hancock Life Insurance Company (U.S.A.) Valuable Information About Your Life Insurance Illustration (cont'd) Policy loans may be taken against the Policy at any time, and if projected on an illustration, are assumed to be taken at the beginning of each month during the year. The maximum loan amount available is the policy's Cash Surrender at time of request, less any existing Policy Debt, less Monthly Deductions through the remainder of the Policy, all multiplied by one minus the rate of Loan Interest Charged for an Index Loan. Loan Interest Charged is added to the Policy Debt in arrears on the Annual Processing Date. The loan interest rate used in this policy illustration is shown in the Policy Summary. Loan interest rates are variable and subject to change annually on the Annual Processing Date. You may choose between a Standard Loan and an Index Loan. Each of these options is described below. Only one loan option may be utilized at a time. However, you may also request to change your policy s loan option up to once per policy year, on the Policy Anniversary. The current rate of Loan Interest Charged may differ depending on whether the policy owner elects a Standard Loan or an Index Loan. During the first three Policy s only the Standard Loan option is available. The choice of a Standard or an Index Loan can have a significant effect on future Policy s and the ultimate net cost of a loan. Please review the section of this illustration entitled Understanding Potential Loan Costs for additional details. Standard Loan Under the Standard Loan option, loan proceeds and any capitalized loan interest are, to the extent possible, secured by amounts you have in the Fixed Account. Amounts from the Fixed Account used to secure a loan are transferred to a Loan Account, where those funds earn a variable rate of interest. Any amount borrowed in excess of the Fixed Account is secured by the Index Appreciation Account, similar to an Index Loan (see below); however as Indexed Account Segments mature, those proceeds will be transferred to the Loan Account until the loan is fully-capitalized as a Standard Loan. Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test Based on Current Charges and Varying Rates Index Loan Under the Index Loan option, loan proceeds and any capitalized loan interest are, to the extent possible, secured by amounts you have in the Index Appreciation Account. Amounts from the Index Appreciation Account used to secure a loan remain in Index Appreciation Account Segments, where those Segments may earn a Segment Interest Credit upon Segment Maturity. Any amount borrowed in excess of the Index Appreciation Account is secured by the Fixed Account, similar to a Standard Loan (see above). Effect of a Standard Loan vs. an Index Loan on Policy The net effect of a loan on Policy varies depending on which Loan Option you choose. Standard Loan. The net cost of a Standard Loan equals the Loan Interest Charged less the sum of the Loan Interest Credited to the Loan Account and any Index Segment Interest Credits earned for portions of the loan that may be secured by the Index Appreciation Account. The difference between the rate of Loan Interest Charged and the rate of Loan Interest Credited to the Loan Account is guaranteed to be no greater than 1.25% in Policy s 1-1. In subsequent years the differential is currently % and guaranteed not to exceed.25%. Index Loan. The cost of an Index Loan can vary much more substantially than that of a Standard Loan. The net cost of an Index Loan equals the Loan Interest Charged less the sum of any Index Segment Interest Credits earned for portions of the loan that are secured by the Index Appreciation Account and the Loan Interest Credited to the Loan Account for any portion of the loan that may be secured by the Fixed Account. For instance, assuming no part of the loan is collateralized by the Fixed Account, an Index Loan scenario with a loan rate of 6% and Index Segment Interest Credit(s) of % would result in a net loan cost of 6% much higher than the cost of a Standard Loan. Conversely, a loan rate of 6% and Index Segment Interest Credit(s) of 1% would result in a net loan gain of 4% to the policy. Version: 9.1. S[ ] Page 5 of 21 3/12/213 1:27:18 PM
7 John Hancock Life Insurance Company (U.S.A.) Valuable Information About Your Life Insurance Illustration (cont'd) Index Loans can have the effect of amplifying both positively and negatively the impact that Index Appreciation Account performance has on the policy. Therefore, the risk of policy lapse with an Index Loan is greater than it would be with a Standard Loan. Annual Loan Interest This is the interest charged on the outstanding Policy Debt. In the event that you do not pay the Loan Interest Charged in any Policy, it will be borrowed against the policy and added to the Policy Debt in arrears at the Policy Anniversary. Policy Debt If a loan is illustrated, the illustrated Policy Debt as of the beginning of each year is the total amount of loans borrowed, plus the total amount of any unpaid loan interest charges borrowed against the policy on a Policy Anniversary, less the total amount of loan repayments. Withdrawals Withdrawals reduce the Policy and the Death. If illustrated, withdrawals are assumed taken at the beginning of each month during the Policy. Withdrawals and any related Surrender Charge amounts are first deducted from the Fixed Account and then from Segments in the Indexed Accounts on a proportionate basis. te that a withdrawal from the Index Appreciation Account which was not pre-scheduled using the Systematic Withdrawal program will initiate a one-year Lock Out Period during which no new Segments in either Indexed Account (except for those resulting from a maturing Segment) may be created. Policy Continuation at Age 121 Provided your coverage is in effect on the policy anniversary nearest the date on which the life insured reaches attained age 121, coverage will continue thereafter. We will continue to credit interest to the Fixed Account, and when applicable, apply Index Segment Interest Credits to any Index Appreciation Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test Based on Current Charges and Varying Rates Account Segments at each Segment Maturity Date. additional charges, other than those for any outstanding policy loans, will be deducted. The tax implications with respect to policies that continue beyond age 121 are not clear at the present time. We urge you to consult your tax advisor regarding this issue if there are questions about what happens after age 121. Taxation of Life Insurance The information contained in this illustration is based on certain tax and legal assumptions. We suggest that you seek professional counsel regarding the interpretation of current tax laws and accounting practices as they relate to your actual situation. The Technical and Miscellaneous Revenue Act (TAMRA) of 1988 classifies some policies as Modified Endowment Contracts (MECs). Distributions from these policies (excluding death benefits but including policy loans and withdrawals) are taxed differently and may be subject to an IRS 1% penalty tax. TAMRA testing has been performed on the assumed scale only. The initial annual 7-pay premium for this policy is $33,962.. Based on our interpretation of TAMRA, this policy as illustrated would not be considered a Modified Endowment Contract (MEC). Employer-owned Life Insurance. Where the owner of the policy is the employer of the life insured, Section 11(j) of the Internal Revenue Code specifies a number of requirements that must be satisfied in order for life insurance death benefits to be excluded from income taxation. The life insureds must be the employer s directors and "highly compensated" employees (as is defined by law). If the life insured is not a director or highly compensated employee then the policy's death benefit must be paid out to the life insured (or to the life insured's designated beneficiary) or used to redeem an equity interest in the employer. Before the issuance of the policy, the insured must (1) be notified in writing that the employer/policy owner intends to insure the employee's life and the maximum face amount for which the employee could be insured; (2) give his/her Version: 9.1. S[ ] Page 6 of 21 3/12/213 1:27:18 PM
8 John Hancock Life Insurance Company (U.S.A.) Valuable Information About Your Life Insurance Illustration (cont'd) written consent to being insured under the policy and agree that such coverage may continue after the life insured terminates employment; and (3) be informed in writing that the employer/policy owner will be a beneficiary of any proceeds payable upon the death of the life insured. Finally, the employer/policy owner is required to keep records and make an annual report concerning its employer-owned life insurance policies. Taxpayers should seek the counsel of qualified tax advisors to determine the applicability of IRC Section 11(j) or other provisions of federal tax law and/or compliance with the requirements of any such law or regulation. Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test Based on Current Charges and Varying Rates For more than a century, John Hancock has offered security and high quality products to its customers. The company's experience and resources allow it to provide first class financial solutions to customers in every market in which it operates. Other Considerations This is an illustration only. An illustration is not intended to predict actual performance. Unless otherwise stated, amounts credited and other values set forth in the illustration are not guaranteed. This illustration assumes that the currently illustrated nonguaranteed elements will continue unchanged for all years shown. This is not likely to occur, and the actual results may be more or less favorable. Future credits and deductions can vary at the company's discretion depending upon factors such as death claims, investment earnings and expenses, as well as policy owner actions such as the timing and amount of premium payments, policy lapse and reinstatement, loans and withdrawals, and contractual changes. To ensure that your policy continues to meet your objectives, we suggest that in addition to reviewing annual statements, you periodically request in force illustrations. In force illustrations will provide an updated projection of policy performance. Protection Indexed UL is issued by John Hancock Life Insurance Company (U.S.A.) of Boston, MA John Hancock Life Insurance Company (U.S.A.) consistently receives high financial strength ratings from independent rating agencies. For more information, please visit our website at Version: 9.1. S[ ] Page 7 of 21 3/12/213 1:27:18 PM
9 John Hancock Life Insurance Company (U.S.A.) Basic Illustration Summary Coverage Summary Initial Initial Coverage Description Amount Premium Face Amount - Level for all years $1,, $. Policy Summary Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test Based on Current Charges and Varying Rates State Connecticut Death Option 2 From 1 Thru 76 Definition of Life Insurance CVAT Payment Mode Annual Charges Current Assumed Fixed Account Rate (includes non-guaranteed persistency bonus) 5.% 5.65% From 1 Thru 1 From 11 Thru 76 Assumed Capped Indexed Account Rate 7.% From 1 Thru 76 Assumed Uncapped Indexed Account Rate 8.5% From 1 Thru 76 Loan Interest Rate 4.5% From 1 Thru 76 Owner Tax Bracket 35.% From 1 Thru 76 Initial 7-Pay Premium Target Premium $33,962. $7,46. Minimum Initial Premium $ An Asset Bonus will be credited to policy values beginning in policy year 11, as described in your policy. Initial n-guaranteed Premium Initial Assumed Allocation Interest Rate Fixed Account 8% 5.% Capped Indexed Account 2% 7.% Uncapped Indexed Account % 8.5% ProIUL13 Version: 9.1. S[ ] Page 8 of 21 3/12/213 1:27:18 PM
10 John Hancock Life Insurance Company (U.S.A.) Basic Illustration Summary (cont'd) Interest Adjusted Indexes on Insured at 5% Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test Based on Current Charges and Varying Rates Payment Cost Guaranteed Current n-guaranteed Element Interest Adjusted Indexes These indexes provide a means for evaluating the comparative cost of the policy under stated assumptions. They can be useful in comparing similar plans of insurance, a lower index being better than a higher one. These indexes reflect the time value of money. Indexes are approximate because they involve assumptions, including the rate of interest used. Version: 9.1. S[ ] Page 9 of 21 3/12/213 1:27:18 PM
11 John Hancock Life Insurance Company (U.S.A.) Numeric Summary Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test GUARANTEED ASSUMPTIONS These policy benefits and values are GUARANTEED NON-GUARANTEED ASSUMPTIONS based on the guaranteed interest of SUMMARY YEARS ASSUMPTIONS Midpoint Scale Assumed Scale.% and guaranteed charges. Based on your Planned Premium Outlay, the s Premium Paid in Cash policy would remain in force until policy year 41, month 2*. NON-GUARANTEED ASSUMPTIONS Summary 5 These policy benefits and values are Surrender 69,494 71,118 77,651 based on non-guaranteed elements that Death 1,73,278 1,74,91 1,81,434 are subject to change by the insurer. Actual results may be more or less Summary 1 favorable. Surrender 146, , ,65 ASSUMED SCALE: Death 1,146,615 1,154,916 1,183,667 Policy benefits and values are based on varying rates and current charges. Summary 2 Based on your Planned Premium Surrender 286, , ,782 Outlay, the policy would remain in force Death 1,286,329 1,369,182 1,557,782 until age 121*. Summary Age 7 MIDPOINT SCALE: Surrender 24, ,78 733,15 Assumes the midpoint interest rate Death 1,24,366 1,385,78 1,733,15 and charges which are halfway between assumed and guaranteed. Based on your Planned Premium Outlay, the policy would remain in force until policy year 44, month 11*. Premiums are assumed to be paid at the beginning of each modal period. Policy values, including surrender values and death benefits, are illustrated as of the end of the year, unless otherwise noted. * See Policy Continuation at Age 121 on "Valuable Information" page. Representative's Address: Life Agent 281 Townsgate Rd. Suite 35 Westlake Village, CA We recommend that you review additional illustrations using various assumed, hypothetical Rates of Return to understand how changes in the Index performance may affect the Policy and premium payment schedule. I have received a copy of this illustration and understand that any non-guaranteed elements illustrated are subject to change and could be either higher or lower. The representative has told me they are not guaranteed. <ins1si> <ins1dt> Applicant: Date: (Signature) (mm/dd/yyyy) I certify that this illustration has been presented to the applicant and that I have explained that any non-guaranteed elements illustrated are subject to change. I have made no statements that are inconsistent with the illustration. <asi> <adt> Representative: Date: (Signature) (mm/dd/yyyy) Version: 9.1. S[ ] Page 1 of 21 3/12/213 1:27:18 PM
12 Policy John Hancock Life Insurance Company (U.S.A.) Guaranteed and nguaranteed s EOY Age Planned Premium ,66 8,154 1,14,915 15,442 8,681 1,15, ,574 23,466 1,29,483 31,62 25,45 1,31, ,29 38,733 1,44,6 47,186 41,914 1,47, ,68 54,52 1,58,58 63,942 59,414 1,63, ,839 69,494 1,73,278 81,434 77,651 1,81, ,967 85,124 1,88,164 99,77 96,731 1,99, ,57 11,14 1,13,39 119,64 116,769 1,119, , ,216 1,118, , ,867 1,139, , ,843 1,132,65 16,923 16,117 1,16, , ,553 1,146, , ,65 1,183,667 Totals: 252,55 End of Guaranteed Assumptions.% Minimum Rate, Maximum Charges Policy Surrender Death Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test End of n-guaranteed Assumptions Varying Rates, Current Charges Policy Surrender Death ,89 162,155 1,162, , ,442 1,212, ,73 177,466 1,177, ,93 242,93 1,242, , ,58 1,192,58 275, ,117 1,275, ,175 27,371 1,27,371 39,183 39,183 1,39, ,71 221,969 1,221, ,21 345,21 1,345, , ,196 1,236, , ,192 1,383, , ,92 1,249,92 423, ,323 1,423, , ,954 1,262, ,78 465,78 1,465, ,38 275,114 1,275,114 51,486 51,486 1,51, , ,329 1,286, , ,782 1,557,782 Totals: , ,37 1,279,37 589, ,464 1,589, ,26 27,377 1,27, , ,764 1,622, ,2 26,336 1,26, , ,793 1,657, ,318 25,324 1,25, , ,555 1,694, ,584 24,366 1,24, ,15 733,15 1,733, ,11 23,47 1,23,47 773, ,511 1,773, , ,272 1,219, , ,832 1,815, ,916 26,379 1,26,379 86,127 86,127 1,86, ,36 191,63 1,191,63 96,456 96,456 1,96, , ,844 1,174, , ,872 1,954,872 Totals: ## Indicates that the policy has lapsed under the illustrated assumption. Additional premium would be required to maintain policy benefits. Version: 9.1. S[ ] Page 11 of 21 3/12/213 1:27:18 PM
13 Policy John Hancock Life Insurance Company (U.S.A.) Guaranteed and nguaranteed s (cont'd) EOY Age Planned Premium , ,191 1,155,191 1,5,13 1,5,13 2,5, , ,27 1,132,27 1,57,293 1,57,293 2,57, ,421 15,74 1,15,74 1,111,298 1,111,298 2,111, ,156 1,73,156 1,167,13 1,167,13 2,167, ,72 1,35,72 1,224,687 1,224,687 2,224, ,, 1,284,25 1,284,25 2,284, ,, 1,345,65 1,345,65 2,345, ,, 1,47,831 1,47,831 2,47, ,, 1,472,19 1,472,19 2,472, ,, 1,537,671 1,537,671 2,537,671 Totals: End of Guaranteed Assumptions.% Minimum Rate, Maximum Charges Policy Surrender Death Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test End of n-guaranteed Assumptions Varying Rates, Current Charges Policy Surrender Death ## ## ## 1,64,23 1,64,23 2,64, ,671,514 1,671,514 2,671, ,739,25 1,739,25 2,739, ,86,925 1,86,925 2,86, ,874,158 1,874,158 2,874, ,94,735 1,94,735 2,94, ,6,477 2,6,477 3,6, ,71,187 2,71,187 3,71, ,134,47 2,134,47 3,134, ,195,816 2,195,816 3,195,816 Totals: ,254,733 2,254,733 3,254, ,31,923 2,31,923 3,31, ,363,917 2,363,917 3,363, ,412,996 2,412,996 3,412, ,457,352 2,457,352 3,457, ,555,123 2,555,123 3,555, ,653,969 2,653,969 3,653, ,753,88 2,753,88 3,753, ,854,543 2,854,543 3,854, ,956,56 2,956,56 3,956,56 Totals: ## Indicates that the policy has lapsed under the illustrated assumption. Additional premium would be required to maintain policy benefits. Version: 9.1. S[ ] Page 12 of 21 3/12/213 1:27:18 PM
14 Policy John Hancock Life Insurance Company (U.S.A.) Guaranteed and nguaranteed s (cont'd) EOY Age Planned Premium ,58,519 3,58,519 4,58, ,162,27 3,162,27 4,162, ,266,7 3,266,7 4,266, ,372,618 3,372,618 4,372, ,479,882 3,479,882 4,479, ,589,311 3,589,311 4,589, ,75,64 3,75,64 4,75, ,829,185 3,829,185 4,829, ,96,5 3,96,5 4,96, ,1,27 4,1,27 5,1,27 Totals: End of Guaranteed Assumptions.% Minimum Rate, Maximum Charges Policy Surrender Death Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test End of n-guaranteed Assumptions Varying Rates, Current Charges Policy Surrender Death ,248,267 4,248,267 5,248, ,45,745 4,45,745 5,45, ,572,986 4,572,986 5,572, ,75,487 4,75,487 5,75, ,938,58 4,938,58 5,938, ,136,632 5,136,632 6,136, ,457,22 5,457,22 6,457, ,797,819 5,797,819 6,797, ,159,692 6,159,692 7,159, ,544,184 6,544,184 7,544,184 Totals: ## Indicates that the policy has lapsed under the illustrated assumption. Additional premium would be required to maintain policy benefits. Version: 9.1. S[ ] Page 13 of 21 3/12/213 1:27:18 PM
15 Policy John Hancock Life Insurance Company (U.S.A.) Alternate Assumptions EOY Age Planned Premium ,66 8,154 1,14,915 15,378 8,617 1,15, ,574 23,466 1,29,483 3,87 24,853 1,3, ,29 38,733 1,44,6 46,794 41,522 1,46, ,68 54,52 1,58,58 63,273 58,744 1,63, ,839 69,494 1,73,278 8,43 76,619 1,8, ,967 85,124 1,88,164 98,283 95,244 1,98, ,57 11,14 1,13,39 117,19 114,724 1,117, , ,216 1,118, ,7 135,15 1,136, , ,843 1,132,65 157,48 156,62 1,157, , ,553 1,146, , ,155 1,179,217 Totals: 252,55 End of Guaranteed Assumptions.% Minimum Rate, Maximum Charges Policy Surrender Death Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test End of Alternate Assumptions 5.% Initial Assumed Rate, Current Charges Policy Surrender Death ,89 162,155 1,162,155 27,121 27,121 1,27, ,73 177,466 1,177, , ,569 1,236, , ,58 1,192,58 267, ,613 1,267, ,175 27,371 1,27,371 3,337 3,337 1,3, ,71 221,969 1,221, , ,832 1,334, , ,196 1,236, ,72 371,72 1,371, , ,92 1,249,92 49,233 49,233 1,49, , ,954 1,262, , ,396 1,449, ,38 275,114 1,275, , ,677 1,491, , ,329 1,286, , ,175 1,536,175 Totals: Alternate Assumptions: Initial n-guaranteed Premium Initial Assumed Allocation Interest Rate Fixed Account 1% 5.% Capped Indexed Account % 5.5% Uncapped Indexed Account % 5.5% ## Indicates that the policy has lapsed under the illustrated assumption. Additional premium would be required to maintain policy benefits. Version: 9.1. S[ ] Page 14 of 21 3/12/213 1:27:18 PM
16 Policy John Hancock Life Insurance Company (U.S.A.) Alternate Assumptions (cont'd) EOY Age Planned Premium , ,37 1,279,37 564, ,776 1,564, ,26 27,377 1,27, , ,687 1,594, ,2 26,336 1,26, , ,992 1,625, ,318 25,324 1,25, , ,668 1,658, ,584 24,366 1,24, , ,742 1,692, ,11 23,47 1,23,47 728, ,249 1,728, , ,272 1,219, , ,212 1,765, ,916 26,379 1,26,379 83,656 83,656 1,83, ,36 191,63 1,191,63 843,61 843,61 1,843, , ,844 1,174, ,59 885,59 1,885,59 Totals: End of Guaranteed Assumptions.% Minimum Rate, Maximum Charges Policy Surrender Death Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test End of Alternate Assumptions 5.% Initial Assumed Rate, Current Charges Policy Surrender Death , ,191 1,155, , ,712 1,927, , ,27 1,132,27 971, ,776 1,971, ,421 15,74 1,15,74 1,17,21 1,17,21 2,17, ,156 1,73,156 1,63,771 1,63,771 2,63, ,72 1,35,72 1,111,363 1,111,363 2,111, ,, 1,159,899 1,159,899 2,159, ,, 1,29,27 1,29,27 2,29, ,, 1,259,44 1,259,44 2,259, ,, 1,31,133 1,31,133 2,31, ,, 1,361,54 1,361,54 2,361,54 Totals: Alternate Assumptions: Initial n-guaranteed Premium Initial Assumed Allocation Interest Rate Fixed Account 1% 5.% Capped Indexed Account % 5.5% Uncapped Indexed Account % 5.5% ## Indicates that the policy has lapsed under the illustrated assumption. Additional premium would be required to maintain policy benefits. Version: 9.1. S[ ] Page 15 of 21 3/12/213 1:27:18 PM
17 Policy John Hancock Life Insurance Company (U.S.A.) Alternate Assumptions (cont'd) EOY Age Planned Premium ## ## ## 1,411,846 1,411,846 2,411, ,462,164 1,462,164 2,462, ,511,618 1,511,618 2,511, ,559,747 1,559,747 2,559, ,65,955 1,65,955 2,65, ,649,989 1,649,989 2,649, ,691,58 1,691,58 2,691, ,73,438 1,73,438 2,73, ,766,7 1,766,7 2,766, ,797,867 1,797,867 2,797,867 Totals: End of Guaranteed Assumptions.% Minimum Rate, Maximum Charges Policy Surrender Death Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test End of Alternate Assumptions 5.% Initial Assumed Rate, Current Charges Policy Surrender Death ,825,229 1,825,229 2,825, ,847,75 1,847,75 2,847, ,864,849 1,864,849 2,864, ,875,687 1,875,687 2,875, ,879,337 1,879,337 2,879, ,933,786 1,933,786 2,933, ,986,34 1,986,34 2,986, ,36,734 2,36,734 3,36, ,84,681 2,84,681 3,84, ,129,861 2,129,861 3,129,861 Totals: Alternate Assumptions: Initial n-guaranteed Premium Initial Assumed Allocation Interest Rate Fixed Account 1% 5.% Capped Indexed Account % 5.5% Uncapped Indexed Account % 5.5% ## Indicates that the policy has lapsed under the illustrated assumption. Additional premium would be required to maintain policy benefits. Version: 9.1. S[ ] Page 16 of 21 3/12/213 1:27:18 PM
18 Policy John Hancock Life Insurance Company (U.S.A.) Alternate Assumptions (cont'd) EOY Age Planned Premium ,172,232 2,172,232 3,172, ,211,666 2,211,666 3,211, ,248,42 2,248,42 3,248, ,281,186 2,281,186 3,281, ,31,933 2,31,933 3,31, ,337,816 2,337,816 3,337, ,366,227 2,366,227 3,366, ,396,246 2,396,246 3,396, ,427,953 2,427,953 3,427, ,461,433 2,461,433 3,461,433 Totals: End of Guaranteed Assumptions.% Minimum Rate, Maximum Charges Policy Surrender Death Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test End of Alternate Assumptions 5.% Initial Assumed Rate, Current Charges Policy Surrender Death ,496,775 2,496,775 3,496, ,534,58 2,534,58 3,534, ,573,337 2,573,337 3,573, ,614,67 2,614,67 3,614, ,657,664 2,657,664 3,657, ,71,39 2,71,39 3,71, ,857,442 2,857,442 3,857, ,22,396 3,22,396 4,22, ,196,671 3,196,671 4,196, ,38,792 3,38,792 4,38,792 Totals: Alternate Assumptions: Initial n-guaranteed Premium Initial Assumed Allocation Interest Rate Fixed Account 1% 5.% Capped Indexed Account % 5.5% Uncapped Indexed Account % 5.5% ## Indicates that the policy has lapsed under the illustrated assumption. Additional premium would be required to maintain policy benefits. Version: 9.1. S[ ] Page 17 of 21 3/12/213 1:27:18 PM
19 John Hancock Life Insurance Company (U.S.A.) Understanding Potential Loan Costs Based on Current Charges and Varying Rates Below are hypothetical examples of the net loan cost (and in some cases gain) associated with taking either a Standard Loan or an Index Loan. Each example assumes a hypothetical Loan Account crediting rate and Loan charge rate of 5.5%. It also assumes that the Standard Loan is fully secured by the Fixed Account and that the Index Loan is fully secured by the Index Appreciation Account. All three scenarios assume a $1, Policy at the beginning of the loan period and annual requested loan amounts of $1,. In order to more clearly isolate the effect of loan option, no policy charges are assumed. Example 1 - Standard Loan Current Loan Charge Rate & Current Loan Account Crediting Rate Assumed Indexed Crediting Rate N/A Loan Rate Charged 5.5% Assumed Loan Account Crediting Rate 5.5% Loan Cost.% Policy Annual Loan Requested Annual Loan Amount Loan Account Credited Amount Loan Charged Amount Cumulative Loan Cost Cash Surrender 11 (1,) 1, ,3 12 (1,) 1, , (1,) 11,13 1,13 1,13-12, (1,) 11,742 1,742 1,742-99,594 2 (1,) 16,191 6,191 6,191-77,294 Under current assumptions, the rate of interest credited to the policy s Loan Account equals the rate of interest charged for the loan after Policy 1. Therefore, in this example the net cost of the Standard Loan is zero. Example 2 - Index Loan Current Loan Charge Rate & an Assumed 3.5% Index Segment Interest Crediting Rate Assumed Indexed Crediting Rate 3.5% Loan Rate Charged 5.5% Assumed Loan Account Crediting Rate N/A Loan Cost 2.% Policy Annual Loan Requested Annual Loan Amount Indexed Account Credited Amount Loan Charged Amount Cumulative Loan Cost Cash Surrender 11 (1,) 1, ,5 12 (1,) 1, , (1,) 11, , , (1,) 11,742 1,19 1,742 1,245 83,72 2 (1,) 16,191 3,94 6,191 1,456 38,497 Under an Index Loan, when the rate of interest charged for that loan exceeds the rate of Index Segment Interest Credits earned in the Indexed Account, the net cost of holding that loan can be substantial. Example 3 - Index Loan Current Loan Charge Rate & an Assumed 7.5% Index Segment Interest Crediting Rate Assumed Indexed Crediting Rate 7.5% Loan Rate Charged 5.5% Assumed Loan Account Crediting Rate N/A Loan Gain 2.% Policy Annual Loan Requested Annual Loan Amount Indexed Account Credited Amount Loan Charged Amount Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test Cumulative Loan Cost Cash Surrender 11 (1,) 1, ,5 12 (1,) 1, (2) 15, (1,) 11,13 1,541 1,13 (611) 13,68 14 (1,) 11,742 2,376 1,742 (1,245) 11,867 2 (1,) 16,191 8,442 6,191 (1,456) 93,541 Under an Index Loan, when the rate of Index Segment Interest Credits earned in the Indexed Account exceeds the rate charged for that loan, the result would be a net loan gain to the policy. You should consider the potential effect that each type of loan can have on your policy before taking a loan. Version: 9.1. S[ ] Page 18 of 21 3/12/213 1:27:18 PM
20 John Hancock Life Insurance Company (U.S.A.) Glossary of Terms Advance Contribution Charge An Advance Contribution Charge is assessed on each monthly processing date when the cumulative premiums paid exceed the Advance Contribution Limit times the current Policy. The Advance Contribution Charge rates and Advance Contribution Limit are both shown in the policy contract. Asset Bonus Beginning in Policy 11 and continuing beyond Age 121, we apply an Asset Bonus at the Asset Bonus Annual Rate to any balances in your Fixed Account, Indexed Account Holding Segments, and the Index Appreciation Account as described in your policy. The Asset Bonus Rates vary by issue age, gender, and policy duration. Cost Of Insurance The Cost of Insurance Charge is equal to the current Cost of Insurance Rate multiplied by the Amount at Risk, reduced by the lesser of: The Cost of Insurance Charge Adjustment Factor A, multiplied by the Face Amount; and The Cost of Insurance Charge Adjustment Factor B, multiplied by the Policy. Current Cost of Insurance Rates are based on Company experience and vary by gender, risk class, issue age, policy duration, and any substandard rating. The current Cost of Insurance Rates may change, but are guaranteed never to exceed the maximum rates shown in your policy. Maximum rates reflect the 21 CSO Unismoke Gender Distinct Ultimate Mortality Table. Cost of Insurance Factors A and B both vary by gender, risk class, issue age, policy duration, and any substandard rating. Both factors are guaranteed and shown in the policy contract. Death Option Death Option 1 provides a level amount of coverage. It will increase only when necessary to maintain the definition of life insurance. Death Initial Death $1,, Face Amount $1,, Initial Planned Premium: $. / Billing Mode: Annual Death Option 2; Cash Accumulation Test Based on Current Charges and Varying Rates Option 2 provides coverage equal to the Face Amount plus the Policy plus any amount necessary to maintain the definition of life insurance. Face Amount The Face Amount is the coverage provided by the base policy. Any decreases to the Face Amount must fall within policy minimums, and is only allowed after the first Policy. Face Amount Charge The Face Amount Charge is an additional $.119 per $1, of Face Amount per policy month for the first 1 Policy s, and $. per $1, per month thereafter. This charge varies by the insured's issue age, gender, risk classification, Death Option, and the policy duration. Monthly Administrative Charge A monthly Administrative Charge of $15 will be assessed in all years, current and guaranteed. Death The Death illustrated is the Total Face Amount plus any Required Additional Death. This is the value that is payable upon the death of the insured as stated on the front page of the policy. The actual amount payable may be decreased by loans or increased by additional insurance benefits. Death s are illustrated as of the end of the year. Death reflects the total loan plus any loan interest due. Income Income reflects any illustrated withdrawal, policy loan and/or loan interest due. Surrender The Surrender is the Policy less Surrender Charge(s), and is illustrated as of end of the year. This amount is shown net of withdrawals and total loans plus loan interest due. During the Surrender Charge period, there is a Surrender Charge assessed if Version: 9.1. S[ ] Page 19 of 21 3/12/213 1:27:18 PM
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