Protection SIUL 26: Built smarter. Designed for advanced markets success.
Join us for an introduction to Protection SIUL 26 and discover how enhanced guarantees, SmartStart Segments functionality, the unique Bronze Guarantee, and a refreshed indexed account lineup can help support advanced planning strategies.
This session will cover how these product enhancements can create greater flexibility, strengthen client outcomes, and position you to win more business in today’s competitive marketplace.
Key topics include:
- Improved current assumption premium solves and no-lapse guarantee durations
- Extended guarantees through age 100 with the new Enhanced Death Benefit Protection rider
- The differentiated premium value of the Bronze Guarantee advantage
- SmartStart Segments for seamless policy management
- Refreshed indexed account options, including Nasdaq and SimpleLock Capped indexed accounts
- Advanced markets applications and sales opportunities
You’ll walk away with insights and strategies to help maximize the potential of Protection SIUL 26 for advanced client planning needs.
FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC.
Protection SIUL policies automatically include a no-lapse guarantee called the Death Benefit Protection rider which is optimized for a guarantee to around 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.
Nasdaq® and Nasdaq-100 Index® are registered trademarks of Nasdaq, Inc. and these trademarks have been licensed for use by John Hancock Life Insurance Company (U.S.A.) (the “Company” or the “Issuer”) for the Company’s life insurance products (the “Product(s)”) Neither Nasdaq, Inc. or any of its affiliates (collectively referred to as “Nasdaq”) are the Issuer of the Product(s). Nasdaq has not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to the Product(s). The Product(s) issued by the Company are not sponsored, endorsed, sold or promoted by Nasdaq, and Nasdaq does not make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Nasdaq-100 Index®.
Premium Savings will apply based on the Status attained by the life insured.
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.
Guaranteed product features are dependent upon minimum-premium requirements and the claims-paying ability of the issuer.
Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116
MLI073026936-1
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Speakers
Justin Kemp
Cam Wright
Ana Canelos
