Live today. Protect tomorrow. PRESENTER DATE MLINY071017016 07/17

Today’s agenda What are YOUR goals Unique challenges women face How much is enough? How John Hancock can help Next steps Who needs life insurance?

What are YOUR goals? Financially secure your future Fund your children's education Start/grow your business Secure your retirement savings Live a long, healthy life

Unique challenges women face When it comes to financial planning, women encounter different risks and challenges. Women live longer than men Women tend to outlive men by FIVE OR SIX YEARS1 yet they often have less saved than their male counterparts.2 44% OF WOMEN have no life insurance coverage at all.3 Women are more likely to need long-term care 70% OF NURSING HOME RESIDENTS are women.1 In 30 years, the national average for one year in a nursing home is projected to RISE TO $344,000.4

How to determine how much life insurance you need Current and future financial obligations Your earnings, savings, investments and life insurance you already own Your life insurance need

Who needs life insurance? Most people do. You don’t have to be a millionaire. You just have to want to protect your loved ones from financial hardship in case anything ever happens to you. Do you have loved ones that you want to provide for/protect? Do you have a mortgage or any other type of debt? Do you have a taxable estate? Do you own a business? If so, do you have a succession plan in place?

How John Hancock can help A John Hancock life insurance policy can provide a valuable solution to address many of your unique risks and challenges by: PROTECTING your income SUPPLEMENTING your retirement income COVERING long-term care costs PRESERVING your legacy SAFEGUARDING your business SUPPORTING your pursuit of a longer, healthier life

Life insurance that rewards healthy living.

Our commitment to you With an insurance policy from John Hancock, you can look to the future with confidence, knowing you’ve taken the right steps to live your life to the fullest, all while protecting your assets and helping secure your future financial health and wellness.

Where do you start? ASSESS your finances CREATE a list of your goals and recent financial statements MEET with your advisor EXPLORE the possibility of using life insurance to help you with your needs and goals

Questions?

1. American Association for Long-Term Care Insurance 1. American Association for Long-Term Care Insurance. Long-Term Care – Important Information For Women. http://www.aaltci.org/long-term-care-insurance/learning-center/for-women.php Forbes. Women And Retirement: Saving Less, Worrying More. By Richard Eisenberg. December 14, 2016. https://www.forbes.com/sites/nextavenue/2016/12/14/women-and-retirement-saving-less-worrying-more/#b7368a0601ddLIMRA. Women Still Lag Men in Life Insurance Ownership . November 16, 2016 http://www.limra.com/posts/pr/news_releases/limra__women_still_lag_men_in_life_insurance_ownership.aspx 4. According to the John Hancock 2016 Cost of Care Survey, the current national average for one year in a nursing home is $102,930. The projection in 30 years is based on a 4.1% average annual rate of inflation as measured by the Consumer Price Index for the 50-year period ending December 31, 2015 using the Consumer Price Index for all urban consumers, Bureau of Labor Statistics, www.bls.gov Some riders may have additional fees and expenses associated with them.   Loans and withdrawals will reduce the death benefit and the cash surrender value, and may cause the policy to lapse. Lapse or surrender of a policy with a loan may cause the recognition of taxable income. Withdrawals in excess of the cost basis (premiums paid) will be subject to tax and certain withdrawals within the first 15 years may be subject to recapture tax. Additionally, policies classified as modified endowment contracts may be subject to tax when a loan or withdrawal is made. A federal tax penalty of 10% may also apply if the loan or withdrawal is taken prior to age 59 1/2. Some riders may have additional fees and expenses associated with them.  Vitality is the provider of the John Hancock Vitality Program in connection with life insurance policies issued by John Hancock.  Insurance policies and/or associated riders and features may not be available in all states.  Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.  INSURANCE PRODUCTS Not FDIC Insured Not a Deposit Not Insured by Any Federal Government Agency Not Bank Guaranteed May Lose Value MLINY071017016 07/17