FOR AGENT USE ONLY. THIS MATERIAL MAY NOT BE USED WITH THE PUBLIC.
The LifeCare Long-Term Care rider and the LifeCare Long-Term Care Inflation rider accelerate the death benefit for approved long term care expenses and, depending on the benefit period selected, also offer an extension of long-term care benefits after the death benefit has been fully accelerated. When the death benefit is accelerated for long-term care expenses, it is reduced dollar for dollar, and the cash value is reduced proportionately. The riders have a maximum monthly benefit amount and are subject to underwriting. There are additional fixed premiums associated with these riders. The riders have exclusions and limitations, reductions of benefits, and terms under which it may be continued in force or discontinued. Consult the state specific Outline of Coverage for additional details.
Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. 
Insurance policies and/or associated riders and features may not be available in all states. Some riders may have additional premiums and expenses associated with them.
Insurance products issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116.
MLI090425646-1