John Hancock Life Insurance Company (U.S.A.)

A Life Insurance Illustration of Accumulation VUL A Variable Universal Life Insurance Prepared For Presented By Scott D. Sorrell, CLU, ChFC, AIF, RICP, Capitol Financial Solutions 8816 Six Forks Rd. Suite 301 Raleigh, NC 27615 Phone: 919-719-3817 Fax: 919-325-4517 E-Mail: ssorrell@capfs.com Presented On Wednesday, November 05, 2014 This is an illustration only. An illustration is not intended to predict or project actual performance. Rates of Return, or values that are set forth in the illustration are not guaranteed, except for those items clearly labeled as guaranteed. Copyright 2014 John Hancock Life Insurance Company (U.S.A.). All Rights Reserved.

A Variable Universal Life Insurance Valuable Information About Your Life Insurance Illustration The purpose of this illustration is to show how the performance of the underlying investment account could affect the policy surrender value and death benefit. This illustration is hypothetical and may not be used to predict or project actual performance. This illustration has been personalized for your particular objectives. This is an illustration, not a contract and must be preceded or accompanied by a current prospectus. The prospectus contains complete details on investment objectives, risks, fees, charges and expenses as well as other information about the investment company which should be carefully considered. Please read the prospectus carefully containing this and other information on the product and the underlying portfolios and consider these factors carefully before investing. All surrender values and death benefits are shown as of the end of the year unless noted. CASL, CLTC Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) policy was issued, net of withdrawals, net of Debt, are greater than or equal to $545.29 multiplied by the number of years coverage has been in effect. There is no additional charge for the No-Lapse Guarantee included in your policy. Rider termination or change and or face amount increases or decreases may cause this premium to be recalculated. If a policy loan is outstanding and the falls to zero, the illustration will stop. In the first five policy years, the Supplemental Face Amount plus the Return of Rider, if elected, will remain in force provided the No-Lapse Guarantee Cumulative Test is satisfied. In policy year six and after, if the falls to zero or below, you must pay additional premiums. If you do not pay additional premiums, the Supplemental Face Amount plus the Return of Rider, if elected, may lapse even if your Base Face Amount does not lapse. Option 1 The illustrated is the Base Face Amount plus any Required Additional. Loans and withdrawals will reduce the policy. The reflects total loan plus any loan interest due. Required Additional The will automatically be increased if necessary to maintain the minimum amount of insurance needed to comply with current federal tax law (Section 7702 of the Internal Revenue Code). This will ensure that your policy maintains the favorable tax treatment associated with being a life insurance policy. No-Lapse Guarantee The No-Lapse Guarantee (NLG) illustrated ensures the Base Face Amount will stay in force for 20 years regardless of actual investment returns provided the No-Lapse Guarantee Cumulative Test is met. During the No-Lapse Guarantee Period, if the falls to zero or below, coverage will continue if the cumulative premiums paid since the If increasing Supplemental Face Amount or the Return of Rider is elected, the Base Face Amount and the Supplemental Face Amount plus the Return of Rider will remain in force for the first five policy years, provided the No-Lapse Guarantee Cumulative Test is satisfied. In policy year six and after, if the falls to zero or below, your policy will lapse. Assumed Gross Rate Assumed rates are hypothetical and may not represent past or future actual performance. Actual investment rates of return may be higher or lower than those illustrated and will fluctuate in response to changing market conditions and the allocation chosen among subaccounts and any fixed account options. In determining the net rate, this illustration assumes 0.74% total portfolio annual expenses based on the specified Subaccount Allocation shown on the Summary Page. This hypothetical illustration does not reflect investment, if any, in the Fixed Account. Each of the Lifestyle funds is a "fund-of funds" that Page 1 of 28

A Variable Universal Life Insurance Valuable Information About Your Life Insurance Illustration (cont'd) invest in other underlying funds. To maintain target allocations for each Lifestyle fund, the underlying funds may be rebalanced periodically. The "Total Portfolio Annual Expenses" for each Lifestyle fund listed below include fees and expenses incurred indirectly as a result of its investment in these underlying funds and are based on target allocations as of April 28, 2014. Underlying Fund Fees and Expenses are estimated. Actual amounts are based on the current fiscal year for the Lifestyle funds. CASL, CLTC Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) assessed in all years, current and guaranteed. Base Face Amount Charge Base Face Amount Charge is a charge per $1,000 of Base Face Amount per policy month. It will be deducted for the first 10 policy years. A separate per $1,000 Base Face Amount Charge will be deducted for the first 10 policy years of any face increase. This charge varies by age, sex, risk class, death benefit option and policy year. SubAccount and Fixed Account Options Allocation Actual charges assessed against each subaccount and fixed account options vary as follows: Lifestyle Total Portfolio Annual Expenses Lifestyle Growth MVP 0.74% s This illustration assumes that planned premiums are paid at the beginning of each modal period indicated. Based on the following assumptions in this illustration, additional premiums would be required to maintain policy benefits starting in the specified year: Assumptions Maximum Charges/7.00% Gross Rate 39 Maximum Charges/0.00% Gross Rate 28 Payments in excess of the planned premiums are subject to underwriting approval. Charge Charge of 8% of premium will be deducted from each premium payment in year one. A Charge of 6% of premium will be deducted from each premium payment in years 2 through 10 and 2% in subsequent years, current and guaranteed. Monthly Administrative Charge Monthly Administrative Charge of $20.00 will be Cost of Insurance Current insurance charges are based on company experience. The current rates may change, but are guaranteed never to exceed the maximum rates. Maximum rates reflect the 2001 CSO Mortality Table. Asset Based Risk Charge A charge to cover the risk of adverse mortality and expense is deducted monthly from the. The charge is assessed on the portion of your allocated to variable investment options. The current Asset Based Risk Charge is 0.00% for all policy years. The Guaranteed Asset Based Risk Charge is 0.025% for all policy years. Asset Credit We may add a percentage of the portion of your allocated to variable investment options as a monthly credit to that account. This credit is not guaranteed. The Asset Credit percentages are 0.0000% per month, s 1-10 and 0.000125% thereafter. Gain or Loss/Interest Credited This is the investment gain/loss on the based on the rate of return of your policy's investment options selected or the interest credited on the Fixed Account, including the amount of interest credited on the Loan Account. The is the total dollar value of all Page 2 of 28

A Variable Universal Life Insurance Valuable Information About Your Life Insurance Illustration (cont'd) investment accounts held in the policy and/or the Fixed Account, plus the value of any Loan Account. Withdrawals Withdrawals reduce the and the. Withdrawals, if illustrated, are assumed taken at the beginning of each month during the year. A withdrawal made during the Charge Period will result in the assessment of a pro-rata portion of the Charge to which the policy is subject. The portion of the Charge assessed will be based on the ratio of the amount of the withdrawal to the Cash of the as of the date of the withdrawal. Loans loans may be taken against at any time and if illustrated, are assumed to be taken at the beginning of each month during the year. The maximum loan amount available is the greater of a) 90% of the less any indebtedness and b) the less any indebtedness and less policy charges and loan spread projected to the end of the policy year. This illustration assumes a policy loan interest rate of 3.25% in years 1-10, 2.00 % thereafter (guaranteed not to exceed 3.25% in years 1-10, 2.25% thereafter). Interest is currently credited to the Loan Account at an interest rate of 2.00%in all years. This rate is guaranteed. The loan interest rate is fixed. Loan interest is payable in arrears. Annual Loan Interest This is the interest charged on the outstanding Debt. In the event that you do not pay the loan interest charged in any, it will be borrowed against the policy and added to the Debt in arrears at the Anniversary. The is the amount available at the end of each year and reflects all applicable charges. This amount is shown net of withdrawals and total loan plus interest due. During the first ten policy years there is a Charge assessed if all or part of the Base Face Amount is reduced. If the policy terminates CASL, CLTC Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) for any reason, the amount of any outstanding loan (that was not previously considered income) could result in a considerable tax. Under certain situations involving large amounts of outstanding loans, you might find yourself having to choose between high premium requirements to keep your policy from lapsing and a significant tax burden if you allow the lapse to occur. Please consult your tax advisor for further information. s/riders This illustration may include optional additional benefits or insurance riders on the insured. There may be charges for additional benefits or riders deducted from the. The amount and timing of these charges varies by the benefit or rider elected. Overloan Protection Rider The Overloan Protection Rider will prevent your policy from lapsing when, on any policy month, the outstanding indebtedness on the policy equals or exceeds the multiplied by a certain percentage, not to exceed 95%. Exercise of this rider will result in a "paid up" status. In order to be eligible for this rider, the insured must be at least 75 years old and the policy must have been inforce for at least 15 years. In order for the rider to be invoked, the Indebtedness must exceed the Total Face Amount of your policy but be less than minus a one-time charge for exercising the rider. Upon the execution of this rider, a Level will apply to your policy. After deduction of a one-time charge, all unloaned policy value will be transferred to the Fixed Account at the current Fixed Account rate. No additional policy transactions or policy changes will be allowed and no further monthly deductions will be taken. Your total will now be equal to the Total Face Amount plus any Required Additional less any indebtedness. This rider may not be available in all states. 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 after age 121. The will continue to reflect the Page 3 of 28

A Variable Universal Life Insurance Valuable Information About Your Life Insurance Illustration (cont'd) investment performance of the chosen subaccounts. No additional charges, other than those for any outstanding policy loans, will be deducted. At and after age 121, any Supplemental Face Amount coverage will cease. 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 s but including policy loans and withdrawals) are taxed differently and may be subject to an IRS 10% penalty tax. TAMRA testing has been performed on the current scale only. The initial annual 7-pay premium for this policy is $6,030.00. 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 101(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 CASL, CLTC Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) which the employee could be insured; (2) give his/her 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 101(j) or other provisions of federal tax law and/or compliance with the requirements of any such law or regulation. Other Considerations Accumulation VUL is issued by John Hancock Life Insurance Company (U.S.A.) of Boston, MA 02117 and distributed by John Hancock Distributors LLC through other broker dealers appointed by John Hancock Distributors LLC,197 Clarendon Street, Boston, MA 02116. 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 www.johnhancock.com. John Hancock Life Insurance Company (U.S.A.) is committed to offering the highest quality Annuity, Life Insurance and Pension products to our clients. Its family of products has been built around a powerful combination of investment options chosen with the goal of providing attractive, risk adjusted returns and broad diversification across asset classes, investment styles and asset managers. With John Hancock Life Insurance Company (U.S.A.)'s broad product lines, competitive underwriting, excellent ratings and quality customer service, John Hancock Life Insurance Company (U.S.A.) is committed to providing quality products designed to help create and preserve wealth for clients. Page 4 of 28

A Variable Universal Life Insurance Basic Illustration Summary Coverage Summary Initial Initial Coverage Description Amount Base Face Amount - Level for all years $250,000 $1,367.00 Additional Coverage On Insured Overloan Protection Rider Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) Subaccount and Fixed Account Options Allocation Lifestyle Lifestyle Growth MVP 100% Summary State North Carolina Option 1 From 1 Thru 96 Definition of Life Insurance GPT Payment Mode Annual Charges Current Assumed Variable Rate 7.00% From 1 Thru 96 Loan Interest Rate 3.25% 2.00% From 1 Thru 10 From 11 Thru 96 Owner Tax Bracket 35.00% From 1 Thru 96 Initial 7-Pay Target $6,030.00 $1,625.00 Minimum Initial $45.46 20 Yr. No-Lapse Guarantee $545.29 Initial Guideline Annual $2,186.00 Initial Guideline Single $27,112.00 If elected on the Coverage Details form. AVUL14 Page 5 of 28

A Variable Universal Life Insurance Basic Illustration Summary (cont'd) Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) Initial Gross Initial Assumed Assumed Allocation Rates Rates Subaccount 100% 7.00% 6.26% Fixed Account 0% 4.05% 4.05% Page 6 of 28

A Variable Universal Life Insurance Detailed s Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) EOY Age Outlay 1 26 1,367 1,367 560 0 250,000 2 27 1,367 1,367 1,135 0 250,000 3 28 1,367 1,367 1,745 0 250,000 4 29 1,367 1,367 2,393 0 250,000 5 30 1,367 1,367 3,080 575 250,000 6 31 1,367 1,367 3,808 1,401 250,000 7 32 1,367 1,367 4,581 2,495 250,000 8 33 1,367 1,367 5,401 3,684 250,000 9 34 1,367 1,367 6,268 4,975 250,000 10 35 1,367 1,367 7,185 7,185 250,000 Totals: 13,670 13,670 11 36 1,367 1,367 8,741 8,741 250,000 12 37 1,367 1,367 10,391 10,391 250,000 13 38 1,367 1,367 12,139 12,139 250,000 14 39 1,367 1,367 13,990 13,990 250,000 15 40 1,367 1,367 15,950 15,950 250,000 16 41 1,367 1,367 18,023 18,023 250,000 17 42 1,367 1,367 20,217 20,217 250,000 18 43 1,367 1,367 22,539 22,539 250,000 19 44 1,367 1,367 24,996 24,996 250,000 20 45 1,367 1,367 27,593 27,593 250,000 27,340 21 46 0 0 28,911 28,911 250,000 22 47 0 0 30,290 30,290 250,000 23 48 0 0 31,733 31,733 250,000 24 49 0 0 33,242 33,242 250,000 25 50 0 0 34,819 34,819 250,000 26 51 0 0 36,467 36,467 250,000 27 52 0 0 38,189 38,189 250,000 28 53 0 0 39,984 39,984 250,000 29 54 0 0 41,857 41,857 250,000 30 55 0 0 43,808 43,808 250,000 27,340 Page 7 of 28

A Variable Universal Life Insurance Detailed s (cont'd) Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) EOY Age Outlay 31 56 0 0 45,840 45,840 250,000 32 57 0 0 47,955 47,955 250,000 33 58 0 0 50,155 50,155 250,000 34 59 0 0 52,440 52,440 250,000 35 60 0 0 54,810 54,810 250,000 36 61 0 0 57,266 57,266 250,000 37 62 0 0 59,806 59,806 250,000 38 63 0 0 62,431 62,431 250,000 39 64 0 0 65,142 65,142 250,000 40 65 0 0 67,938 67,938 250,000 27,340 41 66 0 0 70,820 70,820 250,000 42 67 0 0 73,786 73,786 250,000 43 68 0 0 76,834 76,834 250,000 44 69 0 0 79,961 79,961 250,000 45 70 0 0 83,164 83,164 250,000 46 71 0 0 86,442 86,442 250,000 47 72 0 0 89,791 89,791 250,000 48 73 0 0 93,212 93,212 250,000 49 74 0 0 96,702 96,702 250,000 50 75 0 0 100,256 100,256 250,000 27,340 51 76 0 0 103,870 103,870 250,000 52 77 0 0 107,530 107,530 250,000 53 78 0 0 111,225 111,225 250,000 54 79 0 0 114,947 114,947 250,000 55 80 0 0 118,689 118,689 250,000 56 81 0 0 122,441 122,441 250,000 57 82 0 0 126,195 126,195 250,000 58 83 0 0 129,937 129,937 250,000 59 84 0 0 133,652 133,652 250,000 60 85 0 0 137,307 137,307 250,000 27,340 Page 8 of 28

A Variable Universal Life Insurance Detailed s (cont'd) Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) EOY Age Outlay 61 86 0 0 140,863 140,863 250,000 62 87 0 0 144,289 144,289 250,000 63 88 0 0 147,548 147,548 250,000 64 89 0 0 150,596 150,596 250,000 65 90 0 0 153,373 153,373 250,000 66 91 0 0 155,861 155,861 250,000 67 92 0 0 158,039 158,039 250,000 68 93 0 0 159,872 159,872 250,000 69 94 0 0 161,295 161,295 250,000 70 95 0 0 162,215 162,215 250,000 27,340 71 96 0 0 162,507 162,507 250,000 72 97 0 0 162,046 162,046 250,000 73 98 0 0 160,646 160,646 250,000 74 99 0 0 158,030 158,030 250,000 75 100 0 0 153,822 153,822 250,000 76 101 0 0 156,962 156,962 250,000 77 102 0 0 160,029 160,029 250,000 78 103 0 0 163,045 163,045 250,000 79 104 0 0 166,032 166,032 250,000 80 105 0 0 169,018 169,018 250,000 27,340 81 106 0 0 172,059 172,059 250,000 82 107 0 0 175,209 175,209 250,000 83 108 0 0 178,534 178,534 250,000 84 109 0 0 182,108 182,108 250,000 85 110 0 0 186,021 186,021 250,000 86 111 0 0 190,422 190,422 250,000 87 112 0 0 195,670 195,670 250,000 88 113 0 0 201,928 201,928 250,000 89 114 0 0 209,391 209,391 250,000 90 115 0 0 218,290 218,290 250,000 27,340 Page 9 of 28

A Variable Universal Life Insurance Detailed s (cont'd) Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) EOY Age Outlay 91 116 0 0 228,902 228,902 250,000 92 117 0 0 241,557 241,557 250,000 93 118 0 0 256,502 256,502 256,502 94 119 0 0 272,719 272,719 272,719 95 120 0 0 289,978 289,978 289,978 96 121 0 0 308,345 308,345 308,345 97 122 0 0 327,648 327,648 327,648 98 123 0 0 348,159 348,159 348,159 99 124 0 0 369,953 369,953 369,953 100 125 0 0 393,112 393,112 393,112 27,340 Page 10 of 28

A Variable Universal Life Insurance Illustration Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) EOY Age 1 26 1,367 250,000 0 560 250,000 250,000 2 27 1,367 250,000 0 1,135 250,000 250,000 3 28 1,367 250,000 0 1,745 250,000 250,000 4 29 1,367 250,000 0 2,393 250,000 250,000 5 30 1,367 250,000 0 3,080 250,000 250,000 6 31 1,367 250,000 0 3,808 250,000 250,000 7 32 1,367 250,000 0 4,581 250,000 250,000 8 33 1,367 250,000 0 5,401 250,000 250,000 9 34 1,367 250,000 0 6,268 250,000 250,000 10 35 1,367 250,000 0 7,185 250,000 250,000 Totals: 13,670 Base Face Amount Required Additional Total 11 36 1,367 250,000 0 8,741 250,000 250,000 12 37 1,367 250,000 0 10,391 250,000 250,000 13 38 1,367 250,000 0 12,139 250,000 250,000 14 39 1,367 250,000 0 13,990 250,000 250,000 15 40 1,367 250,000 0 15,950 250,000 250,000 16 41 1,367 250,000 0 18,023 250,000 250,000 17 42 1,367 250,000 0 20,217 250,000 250,000 18 43 1,367 250,000 0 22,539 250,000 250,000 19 44 1,367 250,000 0 24,996 250,000 250,000 20 45 1,367 250,000 0 27,593 250,000 250,000 21 46 0 250,000 0 28,911 250,000 250,000 22 47 0 250,000 0 30,290 250,000 250,000 23 48 0 250,000 0 31,733 250,000 250,000 24 49 0 250,000 0 33,242 250,000 250,000 25 50 0 250,000 0 34,819 250,000 250,000 26 51 0 250,000 0 36,467 250,000 250,000 27 52 0 250,000 0 38,189 250,000 250,000 28 53 0 250,000 0 39,984 250,000 250,000 29 54 0 250,000 0 41,857 250,000 250,000 30 55 0 250,000 0 43,808 250,000 250,000 Page 11 of 28

A Variable Universal Life Insurance Illustration (cont'd) Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) EOY Age 31 56 0 250,000 0 45,840 250,000 250,000 32 57 0 250,000 0 47,955 250,000 250,000 33 58 0 250,000 0 50,155 250,000 250,000 34 59 0 250,000 0 52,440 250,000 250,000 35 60 0 250,000 0 54,810 250,000 250,000 36 61 0 250,000 0 57,266 250,000 250,000 37 62 0 250,000 0 59,806 250,000 250,000 38 63 0 250,000 0 62,431 250,000 250,000 39 64 0 250,000 0 65,142 250,000 250,000 40 65 0 250,000 0 67,938 250,000 250,000 Base Face Amount Required Additional Total 41 66 0 250,000 0 70,820 250,000 250,000 42 67 0 250,000 0 73,786 250,000 250,000 43 68 0 250,000 0 76,834 250,000 250,000 44 69 0 250,000 0 79,961 250,000 250,000 45 70 0 250,000 0 83,164 250,000 250,000 46 71 0 250,000 0 86,442 250,000 250,000 47 72 0 250,000 0 89,791 250,000 250,000 48 73 0 250,000 0 93,212 250,000 250,000 49 74 0 250,000 0 96,702 250,000 250,000 50 75 0 250,000 0 100,256 250,000 250,000 51 76 0 250,000 0 103,870 250,000 250,000 52 77 0 250,000 0 107,530 250,000 250,000 53 78 0 250,000 0 111,225 250,000 250,000 54 79 0 250,000 0 114,947 250,000 250,000 55 80 0 250,000 0 118,689 250,000 250,000 56 81 0 250,000 0 122,441 250,000 250,000 57 82 0 250,000 0 126,195 250,000 250,000 58 83 0 250,000 0 129,937 250,000 250,000 59 84 0 250,000 0 133,652 250,000 250,000 60 85 0 250,000 0 137,307 250,000 250,000 Page 12 of 28

A Variable Universal Life Insurance Illustration (cont'd) Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) EOY Age 61 86 0 250,000 0 140,863 250,000 250,000 62 87 0 250,000 0 144,289 250,000 250,000 63 88 0 250,000 0 147,548 250,000 250,000 64 89 0 250,000 0 150,596 250,000 250,000 65 90 0 250,000 0 153,373 250,000 250,000 66 91 0 250,000 0 155,861 250,000 250,000 67 92 0 250,000 0 158,039 250,000 250,000 68 93 0 250,000 0 159,872 250,000 250,000 69 94 0 250,000 0 161,295 250,000 250,000 70 95 0 250,000 0 162,215 250,000 250,000 Base Face Amount Required Additional Total 71 96 0 250,000 0 162,507 250,000 250,000 72 97 0 250,000 0 162,046 250,000 250,000 73 98 0 250,000 0 160,646 250,000 250,000 74 99 0 250,000 0 158,030 250,000 250,000 75 100 0 250,000 0 153,822 250,000 250,000 76 101 0 250,000 0 156,962 250,000 250,000 77 102 0 250,000 0 160,029 250,000 250,000 78 103 0 250,000 0 163,045 250,000 250,000 79 104 0 250,000 0 166,032 250,000 250,000 80 105 0 250,000 0 169,018 250,000 250,000 81 106 0 250,000 0 172,059 250,000 250,000 82 107 0 250,000 0 175,209 250,000 250,000 83 108 0 250,000 0 178,534 250,000 250,000 84 109 0 250,000 0 182,108 250,000 250,000 85 110 0 250,000 0 186,021 250,000 250,000 86 111 0 250,000 0 190,422 250,000 250,000 87 112 0 250,000 0 195,670 250,000 250,000 88 113 0 250,000 0 201,928 250,000 250,000 89 114 0 250,000 0 209,391 250,000 250,000 90 115 0 250,000 0 218,290 250,000 250,000 Page 13 of 28

A Variable Universal Life Insurance Annual Account Summary Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) Charge Admin/ BFA Charges Cost of Insurance Charges Asset Based Risk Charge Asset Credit Gain or Loss/ Interest Credited 1 1,367 109 737 14 0 0 53 560 0 2 1,367 82 737 61 0 0 89 1,135 0 3 1,367 82 737 62 0 0 125 1,745 0 4 1,367 82 737 63 0 0 163 2,393 0 5 1,367 82 737 64 0 0 203 3,080 575 6 1,367 82 737 66 0 0 246 3,808 1,401 7 1,367 82 737 67 0 0 292 4,581 2,495 8 1,367 82 737 68 0 0 340 5,401 3,684 9 1,367 82 737 72 0 0 391 6,268 4,975 10 1,367 82 737 76 0 0 446 7,185 7,185 Totals: 13,670 848 7,372 614 0 0 2,348 11 1,367 27 240 80 0 13 523 8,741 8,741 12 1,367 27 240 86 0 15 621 10,391 10,391 13 1,367 27 240 93 0 18 724 12,139 12,139 14 1,367 27 240 102 0 21 833 13,990 13,990 15 1,367 27 240 111 0 23 949 15,950 15,950 16 1,367 27 240 124 0 26 1,071 18,023 18,023 17 1,367 27 240 135 0 30 1,200 20,217 20,217 18 1,367 27 240 148 0 33 1,338 22,539 22,539 19 1,367 27 240 162 0 37 1,483 24,996 24,996 20 1,367 27 240 179 0 40 1,636 27,593 27,593 1,121 9,772 1,835 0 256 12,725 21 0 0 240 199 0 42 1,714 28,911 28,911 22 0 0 240 221 0 44 1,796 30,290 30,290 23 0 0 240 245 0 46 1,881 31,733 31,733 24 0 0 240 271 0 49 1,971 33,242 33,242 25 0 0 240 299 0 51 2,065 34,819 34,819 26 0 0 240 327 0 53 2,162 36,467 36,467 27 0 0 240 359 0 56 2,265 38,189 38,189 28 0 0 240 394 0 59 2,371 39,984 39,984 29 0 0 240 431 0 61 2,482 41,857 41,857 30 0 0 240 471 0 64 2,598 43,808 43,808 1,121 12,172 5,051 0 782 34,030 Page 15 of 28

A Variable Universal Life Insurance Annual Account Summary (cont'd) Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) Charge Admin/ BFA Charges Cost of Insurance Charges Asset Based Risk Charge Asset Credit Gain or Loss/ Interest Credited 31 0 0 240 515 0 67 2,719 45,840 45,840 32 0 0 240 560 0 70 2,845 47,955 47,955 33 0 0 240 610 0 73 2,976 50,155 50,155 34 0 0 240 664 0 77 3,112 52,440 52,440 35 0 0 240 723 0 80 3,253 54,810 54,810 36 0 0 240 787 0 84 3,399 57,266 57,266 37 0 0 240 858 0 88 3,551 59,806 59,806 38 0 0 240 934 0 92 3,707 62,431 62,431 39 0 0 240 1,014 0 95 3,869 65,142 65,142 40 0 0 240 1,099 0 100 4,036 67,938 67,938 1,121 14,572 12,815 0 1,608 67,498 41 0 0 240 1,190 0 104 4,208 70,820 70,820 42 0 0 240 1,288 0 108 4,386 73,786 73,786 43 0 0 240 1,393 0 113 4,568 76,834 76,834 44 0 0 240 1,505 0 117 4,755 79,961 79,961 45 0 0 240 1,626 0 122 4,947 83,164 83,164 46 0 0 240 1,753 0 127 5,143 86,442 86,442 47 0 0 240 1,887 0 132 5,344 89,791 89,791 48 0 0 240 2,025 0 137 5,549 93,212 93,212 49 0 0 240 2,170 0 142 5,759 96,702 96,702 50 0 0 240 2,325 0 147 5,972 100,256 100,256 1,121 16,972 29,977 0 2,858 118,129 51 0 0 240 2,488 0 153 6,189 103,870 103,870 52 0 0 240 2,668 0 158 6,410 107,530 107,530 53 0 0 240 2,861 0 164 6,632 111,225 111,225 54 0 0 240 3,064 0 169 6,857 114,947 114,947 55 0 0 240 3,277 0 175 7,083 118,689 118,689 56 0 0 240 3,498 0 181 7,310 122,441 122,441 57 0 0 240 3,730 0 186 7,537 126,195 126,195 58 0 0 240 3,973 0 192 7,764 129,937 129,937 59 0 0 240 4,232 0 197 7,990 133,652 133,652 60 0 0 240 4,521 0 203 8,213 137,307 137,307 1,121 19,372 64,289 0 4,636 190,113 Page 16 of 28

A Variable Universal Life Insurance Annual Account Summary (cont'd) Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) Charge Admin/ BFA Charges Cost of Insurance Charges Asset Based Risk Charge Asset Credit Gain or Loss/ Interest Credited 61 0 0 240 4,843 0 208 8,431 140,863 140,863 62 0 0 240 5,190 0 214 8,642 144,289 144,289 63 0 0 240 5,564 0 219 8,844 147,548 147,548 64 0 0 240 5,970 0 223 9,034 150,596 150,596 65 0 0 240 6,421 0 228 9,210 153,373 153,373 66 0 0 240 6,872 0 232 9,369 155,861 155,861 67 0 0 240 7,328 0 235 9,510 158,039 158,039 68 0 0 240 7,795 0 238 9,630 159,872 159,872 69 0 0 240 8,306 0 241 9,728 161,295 161,295 70 0 0 240 8,881 0 243 9,798 162,215 162,215 1,121 21,772 131,458 0 6,916 282,310 71 0 0 240 9,546 0 244 9,834 162,507 162,507 72 0 0 240 10,292 0 243 9,828 162,046 162,046 73 0 0 240 11,172 0 242 9,770 160,646 160,646 74 0 0 240 12,261 0 239 9,646 158,030 158,030 75 0 0 240 13,640 0 234 9,437 153,822 153,822 76 0 0 240 6,270 0 233 9,417 156,962 156,962 77 0 0 240 6,535 0 238 9,605 160,029 160,029 78 0 0 240 6,776 0 242 9,789 163,045 163,045 79 0 0 240 6,990 0 247 9,971 166,032 166,032 80 0 0 240 7,176 0 251 10,152 169,018 169,018 1,121 24,172 222,117 0 9,329 379,759 81 0 0 240 7,309 0 256 10,334 172,059 172,059 82 0 0 240 7,392 0 260 10,522 175,209 175,209 83 0 0 240 7,418 0 265 10,718 178,534 178,534 84 0 0 240 7,383 0 270 10,927 182,108 182,108 85 0 0 240 7,277 0 276 11,154 186,021 186,021 86 0 0 240 7,048 0 282 11,407 190,422 190,422 87 0 0 240 6,502 0 289 11,701 195,670 195,670 88 0 0 240 5,850 0 298 12,051 201,928 201,928 89 0 0 240 5,073 0 308 12,468 209,391 209,391 90 0 0 240 4,147 0 320 12,966 218,290 218,290 1,121 26,572 287,516 0 12,152 494,006 Page 17 of 28

A Variable Universal Life Insurance Internal Rate of Return Illustration EOY Age Outlay 1 26 1,367 0-100.00% 250,000 18188.22% 2 27 1,367 0-100.00% 250,000 1203.26% 3 28 1,367 0-100.00% 250,000 430.64% 4 29 1,367 0-100.00% 250,000 237.46% 5 30 1,367 575-70.35% 250,000 157.32% 6 31 1,367 1,401-48.95% 250,000 115.02% 7 32 1,367 2,495-34.14% 250,000 89.36% 8 33 1,367 3,684-25.04% 250,000 72.32% 9 34 1,367 4,975-18.90% 250,000 60.27% 10 35 1,367 7,185-12.13% 250,000 51.34% Totals: 13,670 ----- ----- ----- ----- Internal Rate Of Return Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) Internal Rate Of Return 11 36 1,367 8,741-9.37% 250,000 44.49% 12 37 1,367 10,391-7.26% 250,000 39.08% 13 38 1,367 12,139-5.61% 250,000 34.71% 14 39 1,367 13,990-4.29% 250,000 31.12% 15 40 1,367 15,950-3.21% 250,000 28.12% 16 41 1,367 18,023-2.32% 250,000 25.58% 17 42 1,367 20,217-1.57% 250,000 23.40% 18 43 1,367 22,539-0.93% 250,000 21.52% 19 44 1,367 24,996-0.38% 250,000 19.87% 20 45 1,367 27,593 0.09% 250,000 18.43% The IRR on cash value is equivalent to an interest rate at which an amount equal to the illustrated premiums could have been invested outside the policy to arrive at the net surrender value of the policy. The IRR on death benefit is equivalent to an interest rate at which an amount equal to the illustrated premiums could have been invested outside the policy to arrive at the net death benefit of the policy. Page 19 of 28

A Variable Universal Life Insurance Internal Rate of Return Illustration (cont'd) EOY Age Outlay 21 46 0 28,911 0.48% 250,000 17.20% 22 47 0 30,290 0.81% 250,000 16.11% 23 48 0 31,733 1.10% 250,000 15.13% 24 49 0 33,242 1.34% 250,000 14.26% 25 50 0 34,819 1.55% 250,000 13.48% 26 51 0 36,467 1.73% 250,000 12.77% 27 52 0 38,189 1.89% 250,000 12.13% 28 53 0 39,984 2.04% 250,000 11.55% 29 54 0 41,857 2.17% 250,000 11.02% 30 55 0 43,808 2.28% 250,000 10.53% ----- ----- ----- ----- Internal Rate Of Return Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) Internal Rate Of Return 31 56 0 45,840 2.39% 250,000 10.08% 32 57 0 47,955 2.48% 250,000 9.66% 33 58 0 50,155 2.57% 250,000 9.28% 34 59 0 52,440 2.65% 250,000 8.92% 35 60 0 54,810 2.72% 250,000 8.59% 36 61 0 57,266 2.78% 250,000 8.29% 37 62 0 59,806 2.84% 250,000 8.00% 38 63 0 62,431 2.89% 250,000 7.73% 39 64 0 65,142 2.94% 250,000 7.48% 40 65 0 67,938 2.98% 250,000 7.24% The IRR on cash value is equivalent to an interest rate at which an amount equal to the illustrated premiums could have been invested outside the policy to arrive at the net surrender value of the policy. The IRR on death benefit is equivalent to an interest rate at which an amount equal to the illustrated premiums could have been invested outside the policy to arrive at the net death benefit of the policy. Page 20 of 28

A Variable Universal Life Insurance Internal Rate of Return Illustration (cont'd) EOY Age Outlay 41 66 0 70,820 3.02% 250,000 7.02% 42 67 0 73,786 3.05% 250,000 6.81% 43 68 0 76,834 3.09% 250,000 6.62% 44 69 0 79,961 3.11% 250,000 6.43% 45 70 0 83,164 3.14% 250,000 6.25% 46 71 0 86,442 3.16% 250,000 6.08% 47 72 0 89,791 3.18% 250,000 5.93% 48 73 0 93,212 3.19% 250,000 5.77% 49 74 0 96,702 3.21% 250,000 5.63% 50 75 0 100,256 3.22% 250,000 5.49% ----- ----- ----- ----- Internal Rate Of Return Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) Internal Rate Of Return 51 76 0 103,870 3.23% 250,000 5.36% 52 77 0 107,530 3.23% 250,000 5.24% 53 78 0 111,225 3.24% 250,000 5.12% 54 79 0 114,947 3.24% 250,000 5.01% 55 80 0 118,689 3.24% 250,000 4.90% 56 81 0 122,441 3.24% 250,000 4.79% 57 82 0 126,195 3.24% 250,000 4.69% 58 83 0 129,937 3.23% 250,000 4.60% 59 84 0 133,652 3.22% 250,000 4.50% 60 85 0 137,307 3.21% 250,000 4.42% The IRR on cash value is equivalent to an interest rate at which an amount equal to the illustrated premiums could have been invested outside the policy to arrive at the net surrender value of the policy. The IRR on death benefit is equivalent to an interest rate at which an amount equal to the illustrated premiums could have been invested outside the policy to arrive at the net death benefit of the policy. Page 21 of 28

A Variable Universal Life Insurance Internal Rate of Return Illustration (cont'd) EOY Age Outlay 61 86 0 140,863 3.20% 250,000 4.33% 62 87 0 144,289 3.19% 250,000 4.25% 63 88 0 147,548 3.17% 250,000 4.17% 64 89 0 150,596 3.15% 250,000 4.09% 65 90 0 153,373 3.13% 250,000 4.02% 66 91 0 155,861 3.10% 250,000 3.95% 67 92 0 158,039 3.07% 250,000 3.88% 68 93 0 159,872 3.04% 250,000 3.81% 69 94 0 161,295 3.00% 250,000 3.75% 70 95 0 162,215 2.96% 250,000 3.69% ----- ----- ----- ----- Internal Rate Of Return Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) Internal Rate Of Return 71 96 0 162,507 2.92% 250,000 3.63% 72 97 0 162,046 2.87% 250,000 3.57% 73 98 0 160,646 2.81% 250,000 3.51% 74 99 0 158,030 2.74% 250,000 3.46% 75 100 0 153,822 2.65% 250,000 3.41% 76 101 0 156,962 2.65% 250,000 3.36% 77 102 0 160,029 2.64% 250,000 3.31% 78 103 0 163,045 2.62% 250,000 3.26% 79 104 0 166,032 2.61% 250,000 3.21% 80 105 0 169,018 2.60% 250,000 3.17% The IRR on cash value is equivalent to an interest rate at which an amount equal to the illustrated premiums could have been invested outside the policy to arrive at the net surrender value of the policy. The IRR on death benefit is equivalent to an interest rate at which an amount equal to the illustrated premiums could have been invested outside the policy to arrive at the net death benefit of the policy. Page 22 of 28

A Variable Universal Life Insurance Internal Rate of Return Illustration (cont'd) EOY Age Outlay 81 106 0 172,059 2.59% 250,000 3.12% 82 107 0 175,209 2.58% 250,000 3.08% 83 108 0 178,534 2.57% 250,000 3.04% 84 109 0 182,108 2.56% 250,000 3.00% 85 110 0 186,021 2.56% 250,000 2.96% 86 111 0 190,422 2.56% 250,000 2.92% 87 112 0 195,670 2.56% 250,000 2.88% 88 113 0 201,928 2.57% 250,000 2.84% 89 114 0 209,391 2.58% 250,000 2.81% 90 115 0 218,290 2.60% 250,000 2.77% ----- ----- ----- ----- Internal Rate Of Return Initial $250,000 Option 1; Guideline Test Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) Internal Rate Of Return 91 116 0 228,902 2.63% 250,000 2.74% 92 117 0 241,557 2.66% 250,000 2.70% 93 118 0 256,502 2.70% 256,502 2.70% 94 119 0 272,719 2.74% 272,719 2.74% 95 120 0 289,978 2.79% 289,978 2.79% 96 121 0 308,345 2.83% 308,345 2.83% 97 122 0 327,648 2.86% 327,648 2.86% 98 123 0 348,159 2.90% 348,159 2.90% 99 124 0 369,953 2.94% 369,953 2.94% 100 125 0 393,112 2.97% 393,112 2.97% The IRR on cash value is equivalent to an interest rate at which an amount equal to the illustrated premiums could have been invested outside the policy to arrive at the net surrender value of the policy. The IRR on death benefit is equivalent to an interest rate at which an amount equal to the illustrated premiums could have been invested outside the policy to arrive at the net death benefit of the policy. Page 23 of 28

John Hancock Life Insurance Company (U.S.A.) A Variable Universal Life Insurance Summary of s 1 1,367 246 0 250,000 297 0 250,000 560 0 250,000 2 1,367 505 0 250,000 627 0 250,000 1,135 0 250,000 3 1,367 750 0 250,000 965 0 250,000 1,745 0 250,000 4 1,367 992 0 250,000 1,324 0 250,000 2,393 0 250,000 5 1,367 1,236 0 250,000 1,709 0 250,000 3,080 575 250,000 6 1,367 1,481 0 250,000 2,121 0 250,000 3,808 1,401 250,000 7 1,367 1,726 0 250,000 2,559 473 250,000 4,581 2,495 250,000 8 1,367 1,969 252 250,000 3,025 1,308 250,000 5,401 3,684 250,000 9 1,367 2,205 912 250,000 3,513 2,220 250,000 6,268 4,975 250,000 10 1,367 2,431 2,431 250,000 4,024 4,024 250,000 7,185 7,185 250,000 Totals: 13,670 0.00% Assumed Gross Rate (-0.74 % Rate) Maximum Charges 7.00% Assumed Gross Rate (6.26% Rate) Maximum Charges Initial $250,000 Option 1; Guideline Test 7.00% Assumed Gross Rate (6.26% Rate) Current Charges 11 1,367 3,196 3,196 250,000 5,130 5,130 250,000 8,741 8,741 250,000 12 1,367 3,938 3,938 250,000 6,284 6,284 250,000 10,391 10,391 250,000 13 1,367 4,658 4,658 250,000 7,494 7,494 250,000 12,139 12,139 250,000 14 1,367 5,347 5,347 250,000 8,753 8,753 250,000 13,990 13,990 250,000 15 1,367 6,006 6,006 250,000 10,064 10,064 250,000 15,950 15,950 250,000 16 1,367 6,632 6,632 250,000 11,427 11,427 250,000 18,023 18,023 250,000 17 1,367 7,220 7,220 250,000 12,840 12,840 250,000 20,217 20,217 250,000 18 1,367 7,761 7,761 250,000 14,298 14,298 250,000 22,539 22,539 250,000 19 1,367 8,252 8,252 250,000 15,800 15,800 250,000 24,996 24,996 250,000 20 1,367 8,681 8,681 250,000 17,336 17,336 250,000 27,593 27,593 250,000 21 0 7,715 7,715 250,000 17,483 17,483 250,000 28,911 28,911 250,000 22 0 6,697 6,697 250,000 17,578 17,578 250,000 30,290 30,290 250,000 23 0 5,620 5,620 250,000 17,615 17,615 250,000 31,733 31,733 250,000 24 0 4,512 4,512 250,000 17,615 17,615 250,000 33,242 33,242 250,000 25 0 3,365 3,365 250,000 17,569 17,569 250,000 34,819 34,819 250,000 26 0 2,166 2,166 250,000 17,463 17,463 250,000 36,467 36,467 250,000 27 0 902 902 250,000 17,278 17,278 250,000 38,189 38,189 250,000 28 0 ## ## ## 16,982 16,982 250,000 39,984 39,984 250,000 29 0 16,555 16,555 250,000 41,857 41,857 250,000 30 0 15,963 15,963 250,000 43,808 43,808 250,000 ## Indicates that the policy has lapsed under the illustrated assumption. Additional premium would be required to maintain policy benefits. Page 24 of 28

John Hancock Life Insurance Company (U.S.A.) A Variable Universal Life Insurance Summary of s (cont'd) 31 0 15,168 15,168 250,000 45,840 45,840 250,000 32 0 14,148 14,148 250,000 47,955 47,955 250,000 33 0 12,872 12,872 250,000 50,155 50,155 250,000 34 0 11,353 11,353 250,000 52,440 52,440 250,000 35 0 9,551 9,551 250,000 54,810 54,810 250,000 36 0 7,405 7,405 250,000 57,266 57,266 250,000 37 0 4,833 4,833 250,000 59,806 59,806 250,000 38 0 1,739 1,739 250,000 62,431 62,431 250,000 39 0 ## ## ## 65,142 65,142 250,000 40 0 67,938 67,938 250,000 0.00% Assumed Gross Rate (-0.74 % Rate) Maximum Charges 7.00% Assumed Gross Rate (6.26% Rate) Maximum Charges Initial $250,000 Option 1; Guideline Test 7.00% Assumed Gross Rate (6.26% Rate) Current Charges 41 0 70,820 70,820 250,000 42 0 73,786 73,786 250,000 43 0 76,834 76,834 250,000 44 0 79,961 79,961 250,000 45 0 83,164 83,164 250,000 46 0 86,442 86,442 250,000 47 0 89,791 89,791 250,000 48 0 93,212 93,212 250,000 49 0 96,702 96,702 250,000 50 0 100,256 100,256 250,000 51 0 103,870 103,870 250,000 52 0 107,530 107,530 250,000 53 0 111,225 111,225 250,000 54 0 114,947 114,947 250,000 55 0 118,689 118,689 250,000 56 0 122,441 122,441 250,000 57 0 126,195 126,195 250,000 58 0 129,937 129,937 250,000 59 0 133,652 133,652 250,000 60 0 137,307 137,307 250,000 ## Indicates that the policy has lapsed under the illustrated assumption. Additional premium would be required to maintain policy benefits. Page 25 of 28

John Hancock Life Insurance Company (U.S.A.) A Variable Universal Life Insurance Summary of s (cont'd) 61 0 140,863 140,863 250,000 62 0 144,289 144,289 250,000 63 0 147,548 147,548 250,000 64 0 150,596 150,596 250,000 65 0 153,373 153,373 250,000 66 0 155,861 155,861 250,000 67 0 158,039 158,039 250,000 68 0 159,872 159,872 250,000 69 0 161,295 161,295 250,000 70 0 162,215 162,215 250,000 0.00% Assumed Gross Rate (-0.74 % Rate) Maximum Charges 7.00% Assumed Gross Rate (6.26% Rate) Maximum Charges Initial $250,000 Option 1; Guideline Test 7.00% Assumed Gross Rate (6.26% Rate) Current Charges 71 0 162,507 162,507 250,000 72 0 162,046 162,046 250,000 73 0 160,646 160,646 250,000 74 0 158,030 158,030 250,000 75 0 153,822 153,822 250,000 76 0 156,962 156,962 250,000 77 0 160,029 160,029 250,000 78 0 163,045 163,045 250,000 79 0 166,032 166,032 250,000 80 0 169,018 169,018 250,000 81 0 172,059 172,059 250,000 82 0 175,209 175,209 250,000 83 0 178,534 178,534 250,000 84 0 182,108 182,108 250,000 85 0 186,021 186,021 250,000 86 0 190,422 190,422 250,000 87 0 195,670 195,670 250,000 88 0 201,928 201,928 250,000 89 0 209,391 209,391 250,000 90 0 218,290 218,290 250,000 ## Indicates that the policy has lapsed under the illustrated assumption. Additional premium would be required to maintain policy benefits. Page 26 of 28

John Hancock Life Insurance Company (U.S.A.) A Variable Universal Life Insurance Summary of s (cont'd) 91 0 228,902 228,902 250,000 92 0 241,557 241,557 250,000 93 0 256,502 256,502 256,502 94 0 272,719 272,719 272,719 95 0 289,978 289,978 289,978 96 0 308,345 308,345 308,345 97 0 327,648 327,648 327,648 98 0 348,159 348,159 348,159 99 0 369,953 369,953 369,953 100 0 393,112 393,112 393,112 0.00% Assumed Gross Rate (-0.74 % Rate) Maximum Charges Initial $250,000 Option 1; Guideline Test 7.00% Assumed Gross Rate (6.26% Rate) Maximum Charges 7.00% Assumed Gross Rate (6.26% Rate) Current Charges ## Indicates that the policy has lapsed under the illustrated assumption. Additional premium would be required to maintain policy benefits. Page 27 of 28

A Variable Universal Life Insurance Accumulation VUL Illustration Explanation Assuming Current Charges and an Initial Gross Rate of 7.00% ( 6.26%) The Accumulation VUL policy you are considering provides death benefit protection and flexibility of premium payments. It also has an investment component which allows you to choose from several portfolios, each with its own investment objective. This information supplements the attached illustration and should help you understand the assumptions which have been used in the projections of the values. The Base Face Amount, during No-Lapse Guarantee Period, not including the Additional provided by the investment performance of your selected portfolios or any Supplemental Face Amount, is guaranteed to be paid at the death of the Insured (subject to the insurer claims paying ability) as long as No-Lapse Guarantee premium requirements are met. For the first 5 policy years, the guarantee also applies to the amount of Supplemental Face Amount and Return of Rider, if elected. This is payable regardless of the policy's investment performance. Certain aspects of the policy are based on investment performance and will vary depending on a number of factors, including the portfolios you have selected. Investment performance may vary from that shown on the attached illustration, and would affect: Additional provided by investment performance provided by investment performance Total outlay over the lifetime of the policy Initial $250,000 Option 1; Guideline Test The will be reduced by any withdrawals and/or outstanding loans, including loan interest then due. In addition, there are non-guaranteed expense and cost of insurance charges that may change, but will never exceed the guaranteed maximums. How Much Will My Insurance Cost? The premiums required for the coverage will ultimately depend on the outcome of the underwriting process, and may vary from what is shown on the attached illustration. If so, you will receive a revised illustration with your insurance contract. While premiums are payable for the lifetime of the insured, your illustration may show reduced or discontinued premiums in future years. If actual investment performance is less than illustrated, additional premium may be required to keep the policy inforce. We recommend that you review additional illustrations using various investment returns to understand how actual performance may affect the s and premium payment schedule. Acknowledgment I have received a Prospectus and have had an opportunity to carefully review the attached illustration with my Registered Representative. I understand that some of the values and benefits are non-guaranteed and are likely to change. I realize that the illustration is not part of the insurance contract. <ins1si> <ins1dt> Applicant's Signature Date <asi> <acom> / <af> <afext> <adt> Registered Rep's Signature (Scott D. Sorrell, CLU, ChFC, AIF, RICP, Agency/Phone Number Date ) We appreciate your confidence in John Hancock Life Insurance Company (U.S.A.) and look forward to being of service to you. Please feel free to contact us with any questions. Page 28 of 28