Next round of in-force rate action notifications to take place in late November

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.

John Hancock Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02116. Long-term care insurance policies issued under the name of Union Security Insurance Company, Union Security Life Insurance Company of New York, American Republic Insurance Company, and Blue Cross/Blue Shield of South Carolina are administered by John Hancock Life Insurance Company (U.S.A.). Policies issued under Time Insurance Company are insured and administered by John Hancock Life Insurance Company (U.S.A.). MLINY102926746-1