1. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. John Hancock’s Indexed UL Portfolio MLINY082515128 8/15 Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595 and securities offered through John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 197 Clarendon Street, Boston, MA 02116. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public.

2. Index UL- The Industry's Hottest Product Clients optimistic about the market but not wanting exposure to negative returns in their life insurance policy are Index UL prospects Indexed Crediting (100% Capped Account allocation) shows the annual S&P 500 ® performance and credits up to 13% in years the S&P 500 experienced gains, and credits 0% in years where the S&P 500 declined. S&P 500 Total Return Slide 2 of 18

3. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. Smart. Simple. Secure. John Hancock’s Index UL Portfolio Straightforward product design – Focus on one Index (S&P 500) and one crediting method (Annual, point to point) Three Indexed Account Options and a Strong Fixed Account –High Par –Capped –Uncapped Significant downside protection 0% floor on all Indexed Accounts 2% cumulative guarantee Lengthy no-lapse guarantee on Protection IUL and Protection SIUL Guaranteed bonus on Interest credits in year 6+ Rolling targets Slide 3 of 18

4. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. Indexed UL Allocation Options Three competitive indexed accounts, available on all three Indexed products Slide 4 of 18

5. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. Products that Change with Your Clients By offering three distinct indexed accounts, John Hancock gives clients the freedom to change their allocations as their needs change over time. Indexed UL Lifecycle: Female, Age 43, Purchases an Indexed UL in 2013 Slide 5 of 18

6. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. Advantages of Protection IUL All the benefits of an IUL, designed with some of the lowest IUL premiums in the industry and a lengthy NLG Three highly competitive Indexed Account options –High Par –Capped –Uncapped Three levels of guaranteed protection: –No-lapse guarantee –0% minimum annual interest rate floor and –Minimum cumulative guarantee - ensures an average annualized rate of return of 2% over the life of the policy, upon surrender Slide 6 of 20

7. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. Protection IUL with the LTC Rider Slide 7 of 18

8. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. Advantages of Accumulation IUL Combines cash value accumulation potential with guaranteed protection against market downturns. Designed to be an industry leader in cash value accumulation and retirement income potential. Three highly competitive Indexed Account Options –High Par –Capped Uncapped –Indexed Account Cumulative guarantee ensures an average annualized rate of return of 2% over the life of the policy, upon surrender Slide 8 of 18

9. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. Industry-Leading Income Solves Slide 9 of 18

10. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. Survivorship IUL- with strong guarantees, cash value growth potential and downside protection. Often the lowest SIUL premiums in the industry Three highly competitive Indexed Account Options –High Par –Capped –Uncapped Three levels of guaranteed protection: –No-lapse guarantee –0% minimum annual interest rate floor and –2% cumulative guarantee Advantages of Protection SIUL Slide 10 of 18

11. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. John Hancock IUL, On A Roll! Now with Rolling Targets! Two Loan Options –Standard Loans – (Fixed Rate) –Zero-net cost loan years 11+ –Index Loans – More risk & reward potential Guaranteed Bonus on Interest Credits Slide 11 of 18 Rolling targets apply to the first 24 months of the policy (not available in New York).

12. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. Enhancing your policy Qualified Long-Term Care Rider 2 –On Both Single Life Products –Typically lower cost & higher MMBA than competitors Return of Premium (ROP) –Increase death benefit by % of premiums paid (up to 100%) Disability of Specified Premium (DPSP) –For Accumulation IUL and Protection IUL –Pays specified amount into policy in event of disability Accelerated Benefit –Pays portion of death benefit in case of terminal illness Slide 12 of 18

13. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. John Hancock’s Core Life Portfolio ULVULIndexed UL Protection Protection UL Protection SUL Protection VUL Protection SVUL Protection IUL Protection SIUL Accumulation Accumulation UL Premier Life Accumulation VUL Accumulation SVUL Simplified Life Accumulation IUL Best in Class - Product Portfolio and don’t forget the LTC Rider! Slide 13 of 18

14. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. Indexed UL microsite – www.jhindexedul.com – a one stop shop for marketing materials and information to make the sale!www.jhindexedul.com The Tools You Need Indexed UL Microsite Slide 14 of 18

15. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. John Hancock: IUL Advantages Broad product offering for either Death Benefit or Accumulation sales –John Hancock Protection IUL –John Hancock Accumulation IUL –John Hancock Protection SIUL Simplified Product design with three highly competitive Indexed Account options and Annual point to point Crediting Strong Fixed Account Guaranteed Bonus on Interest Credits Rolling Targets Slide 15 of 18

16. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. Call for an Illustration Today Who is the Target Market for Indexed UL? Index UL Target Market Ages 35-75 and looking for low cost or Income potential from their life insurance Looking for higher crediting rate potential than a typical UL policy Interested in participating in the market without the downside Clients seeking wealth transfer and want the most efficient use of their premiums For more information and an illustration Call 888-688-4580 Slide 16 of 18

17. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. 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. Loans and withdrawals will reduce the death benefit, 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. 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. 1.Excluding dividends. Standard & Poor’s®, S&P®, S&P 500®, Standard & Poor’s 500 and 500 are trademarks of Standard & Poor’s Financial Services LLC, a subsidiary of The McGraw-Hill Companies, Inc. and have been licensed for use by John Hancock. The Product is not sponsored, sold, endorsed or promoted by Standard & Poor’s, and Standard & Poor’s makes no representation regarding the advisability of purchasing the Product. The S&P 500® Index is an index of 500 stocks that are generally representative of the performance of leading companies in leading industries within the U.S. You cannot invest directly in the S&P 500® Index. 2.The Long-Term Care (LTC) rider is an accelerated death benefit rider and may not be considered long-term care insurance in some states. There are additional costs associated with this rider. The Maximum Monthly Benefit Amount is $50,000. When the death benefit is accelerated for long-term care expenses it is reduced dollar for dollar, and the cash value is reduced proportionately. Please go to www.jhsalesnet.com to verify state availability. This rider has exclusions and limitations, reductions of benefits, and terms under which it may be continued in force or discontinued. Please contact the licensed agent or John Hancock for more information, cost, and complete details on coverage. Disclosures Slide 17 of 18

18. This material is for Institutional / Broker-Dealer use only. Not for distribution or use with the public. Disclosures Cont. Some riders may have additional fees and expenses associated with them. The Return of Premium Rider allows clients to select a percentage of the premiums paid to be returned to the beneficiaries in addition to the death benefit. There are costs associated with the ROP rider, as well as limitations on the cumulative amount that can be returned. Not available in conjunction with certain other riders. The No-Lapse Guarantee (NLG) is automatically included with Accumulation IUL. It guarantees that the policy will not default, even if the cash surrender value falls to zero or below, provided the NLG cumulative premium test performed at the point of lapse is met and policy debt does not exceed the policy value. Once lapsed, the guarantee cannot be reinstated. See the product technical guide for additional details. Protection IUL & Protection SIUL policies automatically include a no-lapse guarantee called Death Benefit Protection. This feature guarantees that the policy will not default, even if the cash surrender value falls to zero or below, provided that the Death Benefit Protection Value remains greater than zero and policy debt never exceeds the Policy Value. Once terminated, the Death Benefit Protection feature cannot be reinstated. See the product technical guide for additional details. Please contact 1-800-827-4546 to obtain product and fund prospectuses (for New York, contact 1-877-391-3748, option 4). The prospectuses contains complete details on investment objectives, risks, fees, charges and expenses as well as other information about the investment company. Please read the prospectuses carefully containing this and other information on the product and the underlying portfolios and consider these factors carefully before investing. Slide 18 of 18