VUL funds that deliver what's illustrated — and help make the sale
When discussing potential VUL solutions, help your clients understand the powerful role fund choice can make in helping them meet their goals. Join us to see why fund choice may be the difference between a policy that meets expectations and one that falls short.
Gain firsthand insights on:
- How John Hancock's fund story supports a longevity-planning mindset
- Real-world case study of Protection VUL policy performance
- How John Hancock's unrestricted fund lineup stacks up vs. competitors
- Connecting illustrations, expectations and fund selection in client conversations
Don't miss this opportunity to learn firsthand how fund choice can make your VUL sales.
THIS MATERIAL IS FOR INSTITUTIONAL/BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION OR USE WITH THE PUBLIC.
Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.
Protection VUL policies automatically include a no-lapse guarantee called the Death Benefit Protection rider which is optimized for a guarantee to life expectancy — or, if elected for an additional cost, an Enhanced Death Benefit Protection rider which is optimized for an age-100 guarantee. Both technically provide a guarantee to age 121 if enough premium is paid. Each of these options guarantees that the policy will not default, even if the cash surrender value falls to zero or below, provided that the Net Death Benefit Protection Value remains greater than zero and policy debt does not exceed the policy value. Once terminated, the Death Benefit Protection rider or Enhanced Death Benefit Protection rider cannot be reinstated. Please see the product guide for additional details.
Insurance policies and/or associated riders and features may not be available in all states.
Variable universal life insurance has annual fees and expenses associated with it in addition to life insurance related charges.
Variable universal life insurance products are subject to market risk and are unsuitable as a short-term savings vehicle. Cash values are not guaranteed and will fluctuate, and the policy may lose value.
Variable life insurance is sold by product and fund prospectuses, which should be read carefully. They contain information on the investment objectives, risks, charges and expenses of the variable product and its underlying investment options. These factors should be considered carefully before investing.
Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 and securities offered through John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 200 Berkley Street, Boston, MA 02116
MLI100626262-1
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Speakers
Mark Berry
