Protection VUL: Lock in NLG today — position for premium savings tomorrow
What if their guaranteed premium could actually go down?
Learn a Protection VUL sales strategy that aims to provide guaranteed protection to age 100 and offers the potential to reduce premiums over time — helping you address objections, win more cases, and deliver stronger client outcomes.
You’ll leave this session knowing how to position a differentiated Protection VUL solution that delivers:
- Competitive guaranteed protection to age 100
- Opportunity for premium savings — up to 25% lower through Vitality engagement*
- A fresh way to reframe VUL conversations — shift from “it’s too expensive” to a more productive, value-based conversation
This is more than your typical product discussion — it’s a repeatable sales strategy designed to help you stand out and close.
THIS MATERIAL IS FOR INSTITUTIONAL/BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION OR USE WITH THE PUBLIC.
*Premium savings are in comparison to the same John Hancock life insurance policy without Vitality PLUS. The level of premium savings are cumulative over the life of the policy and will vary based upon underwriting status, issue age, policy type, the terms of the policy and the Vitality Status achieved. Premium savings are only available with Vitality PLUS and may not be applicable to certain products.
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 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.
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.
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
MLI071326752-1
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Speakers
Mark Berry
Justin Kemp
