John Hancock

PO Box 111 Boston, MA 02117-0111 Advisers Call: 1-800-505-9427 For NY Call: 1-800-743-5542 www.jhancock.com Ratings: A.M. Best Financial Strength A+ Standard & Poor’s Financial Strength AA+ Moody’s Financial Strength Aa3 Fitch Financial Strength AA Products: John Hancock – John Hancock Term ’10 Product Features Type: Guaranteed Level Premium Term (10, 15, or 20 year) Conversion Options: John Hancock Term is convertible to any currently offered John Hancock permanent life insurance product, including Whole Life, Universal Life and Variable Universal Life insurance. • The available conversion period is the lesser of 10 years or attainment of age 75. • Clients whose Term insurance premiums are being waived under the Total Disability Waiver may convert their policy to a permanent plan; however, they cannot purchase the Total Disability Waiver on the permanent policy. Your client also has the option to convert a single-life Term policy to a survivorship policy (a policy that insures two people and pays a benefit on the death of the second insured). • The face amount of the new survivorship policy can be up to twice the original face amount of the Term contract subject to underwriting and retention limits. • Underwriting is only required on the life not previously covered under the original Term contract. • The second life must be an insurable risk. For more information, consult the John Hancock Term Technical Guide. Issue Ages: Age Nearest Birthday 10 year: 18-80 15 year: 18-75 20 year: 18-65 Face Amounts: Min/Max Minimum: $750,000 Tobacco Definition: Super Preferred Non-Smoker: Meets the Super Preferred criteria and has not used any form of tobacco or nicotine products within the last 5 years. Preferred Non-Smoker: Meets the Preferred criteria and has not used any form of tobacco or nicotine products within the last 2 years. Ceremonial Cigar use: An occasional cigar smoker may qualify for Preferred Non-Smoker rates if he/she smokes less than 12 cigars per year, has not used any other form of tobacco or nicotine products within the last 2 years, and microurinalysis is free of nicotine or its metabolites. Standard Non-Smoker: No cigarette use within the last 12 months and either: 1. Does not meet all Preferred criteria or, 2. Uses other tobacco or nicotine products. Preferred Smoker: Meets the Preferred criteria but has used cigarettes within the last 12 months. Standard Smoker: Does not meet the Preferred criteria and has used cigarettes within the last 12 months. Special Underwriting: Features Guidelines for Ages 18-70 Super Preferred: Blood Pressure: (Treated and Untreated) Up to 135/85; Age 18-50 Up to 140/90; Age 51-70 Cholesterol: (Treated and Untreated) Up to 230 mg/dl; Age 18-50 Up to 250 mg/dl; Age 51-70 *Total cholesterol up to 300 is OK for Super Preferred if CHL/HDL ratio is 1 less than the published limit Chol/HDL ratio: (Treated and Untreated) Up to 4.5; Age 18-50 Up to 5; Age 51-70 *Total Cholesterol up to 300 is OK for Super Preferred if CHL/HDL ratio is 1 less than the published limit Personal History: No history of Cancer, Coronary Artery Disease, Cerebrovascular Disease or Diabetes No current rateable impairment Family History: No death of a parent or sibling prior to age 60 from Coronary Artery Disease or Cancer Alcohol/Drug: No history of alcohol/drug abuse or treatment within the past 10 years DWI/Reckless: No driving while intoxicated or reckless driving conviction within the last 10 years and no more than one conviction ever. MVR: Maximum of 1 moving violation within the last 2 yearsAviation: No participation within the past 12 months Hazardous Sports: No participation within the past 12 months Preferred: Blood Pressure (Treated and Untreated) Up to 140/85; Age 18-50 Up to 145/90; Age 51-70 Cholesterol: (Treated and Untreated) Up to 250 mg/dl; Age 18-50 Up to 270 mg/dl; Age 51-70 *Total cholesterol up to 300 is OK for Preferred if CHL/HDL ratio is 1 less than the published limit Chol/HDL ratio: (Treated and Untreated) Up to 5; Age 18-50 Up to 5.5; Age 51-70 *Total Cholesterol up to 300 is OK for Preferred if CHL/HDL ratio is 1 less than the published limit Personal History: No history of Cancer,* Coronary Artery Disease, Cerebrovascular Disease or Diabetes*. No current rateable impairment *Some cases may qualify for Preferred Family History: No more than one death of a parent or sibling prior to age 60 from Coronary Artery Disease or Cancer Alcohol/Drug: No history of alcohol/drug abuse or treatment within the past 10 years DWI/Reckless: No driving while intoxicated or reckless driving conviction within the last 5 years and no more than one conviction ever MVR: Maximum of 2 moving violations within the last 2 years Aviation Only available to private pilots with more than 300 hours of experience who fly 25-200 hours yearly and have IFR or pilots and crew on regularly scheduled airline flights Preferred with a flat extra or aviation exclusion may be available Hazardous Sports: No participation in a rateable sport. Preferred with a flat extra may be available Standard Plus Non-Smoker: Blood Pressure: (Treated and Untreated) Up to 145/90; Age 18-50 Up to 150/90; Age 51-70 Cholesterol/HDL: (Treated and Untreated) Up to 5.5; Age 18-50 Up to 5; Age 51-70 Personal History: No current rateable impairment Family History: History of certain cancers are eligible for Standard Plus immediately following excision or after 5 years of qualifying for Standard rates. Some histories of melanoma, breast cancer, leukemia, Hodgkins and non-Hodgkins may qualify for Standard Plus after 10 years of qualifying for Standard rates. Alcohol/Drug: Must be Standard Aviation: Participation in aviation does not exclude from Standard Plus. If warranted, a flat extra or aviation exclusion will be applied. Hazardous Sports: Participation in a hazardous sport does not exclude from Standard Plus. If warranted, a flat extra will be applied. Preferred with a flat extra may be available. Guidelines for Ages 71 and Above Super Preferred: Blood Pressure: (Treated and Untreated) Up to 140/90; Pulse pressure should be less than or equal to 65 Cholesterol: (Treated and Untreated) Over 175 mg/dl but less than 280 mg/dl HDL Cholesterol (Treated and Untreated) Must exceed 40 mg/dl Serum Albumin: Must be equal to or greater than 4.0 g/dl Creatinine: Must be within normal limits Functional: Must have the ability to independently perform all the activities of daily living Cognitive: No evidence of cognitive impairment Personal History: No history of Cancer, Cardiovascular disease, Cerebrovascular disease or Diabetes. No current rateable impairment. Alcohol/Drug: No history of alcohol/drug abuse or treatment within the past 10 years DWI/Reckless: No driving while intoxicated or reckless driving conviction within the last 10 years and no more than one conviction ever MVR: No moving violations within the past 2 years Aviation: No participation within the past 12 months Hazardous Sports: No participation within the past 12 months Preferred: Blood Pressure: (Treated and Untreated) Up to 145/90 Cholesterol: (Treated and Untreated) Over 159 mg/dl, but less than 300 mg/dl HDL Cholesterol: Must exceed 35 mg/dl Serum Albumin: Must exceed 3.6 g/dl Functional: Must have the ability to independently perform all the activities of daily living Cognitive: No evidence of cognitive impairment Personal History: No history of Cancer,* Coronary Artery Disease, Cerebrovascular Disease or Diabetes.* No current rateable impairment. *Some cases may qualify for Preferred Alcohol/Drug: No history of alcohol/drug abuse or treatment within the past 10 years DWI/Reckless: No driving while intoxicated or reckless driving conviction within the last 5 years and no more than one conviction ever. MVR: Maximum of 1 moving violation within the last 2 years. Aviation: No participation in the last 12 months Hazardous Sports: No participation in the last 12 months Standard Plus Non-Smoker: Blood Pressure: (Treated and Untreated) Up to 150/90 Cholesterol/HDL: (Treated and Untreated) HDL must exceed 35 mg/dl Personal History: No current rateable impairment Family History: History of certain cancers are eligible for Standard Plus immediately following excision or after 5 years of qualifying for Standard rates. Some histories of melanoma, breast cancer, leukemia, Hodgkins and non-Hodgkins may qualify for Standard Plus after 10 years of qualifying for Standard rates. Must have the ability to independently perform all activities of daily living. No evidence of cognitive impairment. Alcohol/Drug: Must be Standard Aviation: Participation in aviation does not exclude from Standard Plus. If warranted, a flat extra or aviation exclusion will be applied. Hazardous Sports: Participation in a hazardous sport does not exclude from Standard Plus. If warranted, a flat extra will be applied.


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