# EDGAR Filing Document

**Accession Number:** 0000801019
**File Stem:** 0001193125-26-230935
**Filing Date:** 2026-5
**Character Count:** 713963
**Document Hash:** cc570e95865b5d34d6118edbe6097758
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-230935.hdr.sgml**: 20260519

**ACCESSION NUMBER**: 0001193125-26-230935

**CONFORMED SUBMISSION TYPE**: N-6/A

**PUBLIC DOCUMENT COUNT**: 57

**FILED AS OF DATE**: 20260519

**DATE AS OF CHANGE**: 20260519

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** JOHN HANCOCK LIFE INSURANCE CO (USA) SEPARATE ACCOUNT A
- **CENTRAL INDEX KEY:** 0000801019

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** N-6/A
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-04834
- **FILM NUMBER:** 26999628

**BUSINESS ADDRESS:**
- **STREET 1:** 200 BLOOR STREET EAST ST 11
- **CITY:** TORONTO
- **STATE:** A6
- **ZIP:** M4W 1E5
- **BUSINESS PHONE:** 4169266302

**MAIL ADDRESS:**
- **STREET 1:** P O BOX 600
- **CITY:** BUFFALO
- **STATE:** NY
- **ZIP:** 14201-0600

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** MANUFACTURERS LIFE INSURANCE CO USA SEPARATE ACCOUNT A
- **DATE OF NAME CHANGE:** 20020412

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SEPARATE ACCOUNT THREE OF THE MANUFACT LIFE INS CO OF AM
- **DATE OF NAME CHANGE:** 19920703
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** JOHN HANCOCK LIFE INSURANCE CO (USA) SEPARATE ACCOUNT A
- **CENTRAL INDEX KEY:** 0000801019

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** N-6/A
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-293456
- **FILM NUMBER:** 26999627

**BUSINESS ADDRESS:**
- **STREET 1:** 200 BLOOR STREET EAST ST 11
- **CITY:** TORONTO
- **STATE:** A6
- **ZIP:** M4W 1E5
- **BUSINESS PHONE:** 4169266302

**MAIL ADDRESS:**
- **STREET 1:** P O BOX 600
- **CITY:** BUFFALO
- **STATE:** NY
- **ZIP:** 14201-0600

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** MANUFACTURERS LIFE INSURANCE CO USA SEPARATE ACCOUNT A
- **DATE OF NAME CHANGE:** 20020412

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SEPARATE ACCOUNT THREE OF THE MANUFACT LIFE INS CO OF AM
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### JOHN HANCOCK LIFE INSURANCE CO (USA) SEPARATE ACCOUNT A (Series ID: S000009939)

| Class ID   | Class Name                              | Ticker Symbol   |
|:---|:---|:---|
| C000274247 | Protection Variable Universal Life 2026 |  |

As filed with the U.S. Securities and Exchange Commission on May 19, 2026 <br>Registration No. 333-293456

------

U.S. SECURITIES AND EXCHANGE COMMISSION <br>Washington, D.C. 20549

------

FORM N-6

SEC File No 811-4834

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

PRE-EFFECTIVE AMENDMENT NO. 1 [X]

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940 <br>AMENDMENT NO. 270 [X]

John Hancock Life Insurance Company (U.S.A.) Separate Account A

(Exact Name of Registrant)

John Hancock Life Insurance Company (U.S.A.)

(Name of Depositor)

200 Berkeley Street <br>Boston, MA 02116

(Complete address of depositor's principal executive offices)

Depositor's Telephone Number: 617-572-6000

------

MICHAEL A. RAMIREZ <br>John Hancock Life Insurance Company (U.S.A.) <br>U.S. INSURANCE LAW <br>197 CLARENDON ST. <br>BOSTON, MA 02116

(Name and complete address of agent for service)

------

Approximate Date of Proposed Public Offering: As soon as practicable after effectiveness of this Registration Statement.

The Registrant hereby amends this Registration Statement on such date or dates as may be necessary to delay its effective date until the Registrant shall file a further amendment that specifically states that this Registration Statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until the Registration Statement shall become effective on such date as the Commission, acting pursuant to said Section 8(a), may determine.

Pursuant to the provisions of Rule 24f-2, Registrant has registered an indefinite amount of the securities under the Securities Act of 1933.

------

John Hancock Life Insurance Company (U.S.A.) Separate Account A

**John Hancock Life Insurance Company (U.S.A.)** <br>**("John Hancock USA")** 

Flexible Premium Variable Universal Life Insurance Policy

PROTECTION VARIABLE UNIVERSAL LIFE 2026

Prospectus dated May 26, 2026

You may choose to allocate your policy value to one or more of the options that the policies make available for that purpose. These options include our "variable investment accounts," where the policy value will vary directly with the positive or negative investment experience of underlying investment "portfolios." To provide you with that investment experience, amounts that you allocate to a variable investment account are held in a corresponding "subaccount" of John Hancock Life Insurance Company (U.S.A.) Separate Account A ("Separate Account"), and the subaccount invests those amounts exclusively in one of the portfolios.

You may also allocate policy value to a "fixed account" that the policy makes available. This prospectus provides detailed information about all such options to which you can allocate your policy value. **There may be particular financial intermediary or broker-dealer variations in the availability of investment options, benefits, and/or other features of the policy. See the APPENDIX: FINANCIAL INTERMEDIARY VARIATIONS for more information.** 

Please note that the Securities and Exchange Commission ("SEC") has not approved or disapproved these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

Additional information about certain investment products, including variable life insurance, has been prepared by the SEC's staff and is available at Investor.gov.

If you are a new investor, you may cancel your policy within 10 days of receiving it without paying fees or penalties. In some states (or if your policy replaces another policy), this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total policy value. You should review this prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

------

**Table of Contents** 

---

| | |
|:---|:---|
| **[important Information you should consider about the policy](#xx_365303a6-d02f-4ac9-b845-88e415df4129_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5 |
| **[Overview of The Policy](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8 |
| *[Purpose](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8 |
| *[Premiums](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8 |
| *[Policy Features](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8 |
| **[Death benefit.](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8 |
| **[Surrender of the policy.](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8 |
| **[Withdrawals.](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8 |
| **[Policy loans.](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9 |
| **[Policy Value Credit.](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9 |
| **[Asset Credit.](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9 |
| **[Supplementary benefit riders.](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9 |
| **[Fee Table](#xx_735742b4-38ce-4f38-a9b6-2fe2341855b5_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10 |
| **[General Description of The Policy](#xx_5e76eab9-4d43-4bef-8725-1890527b2670_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14 |
| *[Policy Rights](#xx_5e76eab9-4d43-4bef-8725-1890527b2670_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14 |
| **[Owner and beneficiary.](#xx_5e76eab9-4d43-4bef-8725-1890527b2670_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14 |
| *[Allocation of Premiums](#xx_5e76eab9-4d43-4bef-8725-1890527b2670_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14 |
| *[Transfers of Policy Value](#xx_5e76eab9-4d43-4bef-8725-1890527b2670_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14 |
| **[Limitations on transfers to or from a variable investment account.](#xx_5e76eab9-4d43-4bef-8725-1890527b2670_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15 |
| **[Frequent transfers among variable investment accounts.](#xx_5e76eab9-4d43-4bef-8725-1890527b2670_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15 |
| **[Limitations on transfers out of the fixed account.](#xx_5e76eab9-4d43-4bef-8725-1890527b2670_3)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16 |
| **[Potential additional limitations.](#xx_5e76eab9-4d43-4bef-8725-1890527b2670_3)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16 |
| **[Dollar cost averaging and asset allocation balancer programs.](#xx_5e76eab9-4d43-4bef-8725-1890527b2670_3)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16 |
| *[General Account](#xx_5e76eab9-4d43-4bef-8725-1890527b2670_3)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16 |
| **[The fixed account.](#xx_5e76eab9-4d43-4bef-8725-1890527b2670_3)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16 |
| **[Premiums](#xx_1e023049-93c9-411c-93a5-9fdf76c59864_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18 |
| *[Purchase Procedures](#xx_1e023049-93c9-411c-93a5-9fdf76c59864_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18 |
| *[Premium Amount](#xx_1e023049-93c9-411c-93a5-9fdf76c59864_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18 |
| *[Premium Due Dates](#xx_1e023049-93c9-411c-93a5-9fdf76c59864_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18 |
| *[Death Benefit Protection](#xx_1e023049-93c9-411c-93a5-9fdf76c59864_2)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19 |
| **[Standard Death Benefits](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20 |
| *[Standard Death Benefits](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20 |
| **[Effectiveness and Policy Date.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20 |
| **[Temporary insurance coverage.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20 |
| **[Option 1 and Option 2.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20 |
| **[Minimum death benefit.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21 |
| **[Calculation and payment of the death benefit.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21 |
| **[Changes you may make.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21 |
| *[Additional Information About Standard Death Benefits](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_2)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21 |
| **[Requesting an increase or decrease in coverage.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21 |
| **[Change of death benefit option.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_3)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22 |
| **[Tax consequences of coverage changes.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_3)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22 |
| **[Limitations on payment of death benefit.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_3)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22 |
| **[Surrenders and Withdrawals](#xx_7bf1df33-41dd-4cf5-b83b-5246b879ff89_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23 |
| *[Surrender and Withdrawal](#xx_7bf1df33-41dd-4cf5-b83b-5246b879ff89_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23 |
| *[Additional Information Regarding Surrender and Withdrawal](#xx_7bf1df33-41dd-4cf5-b83b-5246b879ff89_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23 |
| *[Cancellation Rights](#xx_7bf1df33-41dd-4cf5-b83b-5246b879ff89_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23 |

---

------

---

| | |
|:---|:---|
| **[Loans](#xx_48b8f141-ed3f-47bf-9ff0-1ad58baa0eb6_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24 |
| *[Availability of Loans, Limitations and Interest](#xx_48b8f141-ed3f-47bf-9ff0-1ad58baa0eb6_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24 |
| *[Effect of Loans on Cash Value and Death Benefit](#xx_48b8f141-ed3f-47bf-9ff0-1ad58baa0eb6_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24 |
| *[Other Effects of Loans](#xx_48b8f141-ed3f-47bf-9ff0-1ad58baa0eb6_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24 |
| *[Loan Repayments](#xx_48b8f141-ed3f-47bf-9ff0-1ad58baa0eb6_2)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25 |
| **[Other Benefits Available Under the Policy](#xx_e0b9def3-463e-4e5d-a616-5cc7049a6df1_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26 |
| *[More About Certain Optional Benefits](#xx_dd4a22a4-88a1-431d-bb2f-9450e5b0a6b8_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 29 |
| **[Healthy Engagement Rider.](#xx_dd4a22a4-88a1-431d-bb2f-9450e5b0a6b8_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 29 |
| **[Critical Illness Benefit Rider.](#xx_dd4a22a4-88a1-431d-bb2f-9450e5b0a6b8_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30 |
| **[Disability Payment of Specified Premium Rider.](#xx_dd4a22a4-88a1-431d-bb2f-9450e5b0a6b8_3)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31 |
| **[Long-Term Care Rider.](#xx_dd4a22a4-88a1-431d-bb2f-9450e5b0a6b8_3)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31 |
| **[Long-Term Care Rider 2018.](#xx_dd4a22a4-88a1-431d-bb2f-9450e5b0a6b8_4)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32 |
| **[Accelerated Benefit Rider.](#xx_dd4a22a4-88a1-431d-bb2f-9450e5b0a6b8_5)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 33 |
| **[Healthy Engagement Core Rider.](#xx_dd4a22a4-88a1-431d-bb2f-9450e5b0a6b8_5)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 33 |
| **[Accelerated Death Benefit for Chronic Illness Rider.](#xx_dd4a22a4-88a1-431d-bb2f-9450e5b0a6b8_6)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 34 |
| **[Defined Benefit Chronic Illness Rider.](#xx_dd4a22a4-88a1-431d-bb2f-9450e5b0a6b8_6)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 34 |
| **[Enhanced Death Benefit Protection Rider.](#xx_dd4a22a4-88a1-431d-bb2f-9450e5b0a6b8_7)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 35 |
| **[Taxes](#xx_502ca71b-a066-4816-a003-e9a76516ba5d_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36 |
| *[Tax Consequences of Owning a Policy](#xx_502ca71b-a066-4816-a003-e9a76516ba5d_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36 |
| *[Effect on the Company's Taxes](#xx_502ca71b-a066-4816-a003-e9a76516ba5d_3)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 38 |
| **[Principal Risks of Investing in the Policy](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 39 |
| *[Lapse Risk](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 39 |
| *[Investment Risk/Risk of Loss](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 39 |
| *[Transfer Risk](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 39 |
| *[Early Surrender or Withdrawal Risk/Not a Short-Term Investment](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 39 |
| *[Tax Risks](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 39 |
| *[Cybersecurity Risks](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_2)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40 |
| **[Additional Information Regarding the Policy](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40 |
| *[Charges](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_2)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40 |
| **[Deductions from premium payments.](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40 |
| **[Deductions from policy value.](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40 |
| **[Charges at the portfolio level.](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_3)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 41 |
| *[Additional Information About How Certain Policy Charges Work](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_3)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 41 |
| *[Other Charges We Could Impose in the Future](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_4)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 42 |
| *[Commissions Paid to Dealers](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_4)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 42 |
| *[Lapse and Reinstatement](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_5)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 43 |
| **[Lapse.](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_5)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 43 |
| **[Reinstatement.](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_5)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 43 |
| *[Variations](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_5)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 43 |
| *[Policy or Separate Account Changes](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_6)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 44 |
| *[When We Pay Policy Proceeds](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_7)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 45 |
| *[Coverage at and After Age 121](#xx_161ddddf-9529-4f55-815f-c334fc866a8a_7)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 45 |
| **[General Description Of Registrant, Depositor And Portfolios](#xx_cab3b5b0-3239-46c4-aa9f-512336bba1f1_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46 |
| *[Depositor](#xx_cab3b5b0-3239-46c4-aa9f-512336bba1f1_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46 |
| *[Registrant](#xx_cab3b5b0-3239-46c4-aa9f-512336bba1f1_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46 |
| *[Portfolios](#xx_cab3b5b0-3239-46c4-aa9f-512336bba1f1_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46 |
| *[Voting Portfolio Shares](#xx_cab3b5b0-3239-46c4-aa9f-512336bba1f1_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46 |
| **[Legal Proceedings](#xx_cab3b5b0-3239-46c4-aa9f-512336bba1f1_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 47 |
| **[Financial Statements](#xx_cab3b5b0-3239-46c4-aa9f-512336bba1f1_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 47 |

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------

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| | |
|:---|:---|
| **[Appendix: FINANCIAL INTERMEDIARY VARIATIONS](#xx_53cf0bcc-9491-47c3-bc8f-1423fe7e4c95_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1 |
| **[Appendix: Portfolios Available Under The Policy](#xx_480886dd-a6ea-439f-9af4-f36d03523967_1)** | &nbsp;&nbsp; Appendix-1 |

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**important Information you should consider about the policy** 

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| | | | | |
|:---|:---|:---|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** |
| Charges for Early <br> Withdrawals<br>| &nbsp;&nbsp; There are surrender charges assessed upon surrender, withdrawal, or policy <br> lapse in the first ten policy years from the Policy Date. The maximum <br> surrender charge is 5.621% of Base Face Amount. For example, if the Base <br> Face Amount is $100,000, the highest possible surrender charge would be <br> $5,621. | &nbsp;&nbsp; There are surrender charges assessed upon surrender, withdrawal, or policy <br> lapse in the first ten policy years from the Policy Date. The maximum <br> surrender charge is 5.621% of Base Face Amount. For example, if the Base <br> Face Amount is $100,000, the highest possible surrender charge would be <br> $5,621. | &nbsp;&nbsp; There are surrender charges assessed upon surrender, withdrawal, or policy <br> lapse in the first ten policy years from the Policy Date. The maximum <br> surrender charge is 5.621% of Base Face Amount. For example, if the Base <br> Face Amount is $100,000, the highest possible surrender charge would be <br> $5,621. | &nbsp;&nbsp; *FEE TABLE*<br>*Deductions from policy* <br> *value*<br>|
| Transaction Charges | &nbsp;&nbsp; In addition to surrender charges (if applicable), you may also be charged for <br> the following transactions:<br>A premium charge will be deducted from each premium paid.<br>A transfer fee may be deducted upon transfers into or out of a variable <br> investment account after you have made more than 12 such transfers in a <br> year. | &nbsp;&nbsp; In addition to surrender charges (if applicable), you may also be charged for <br> the following transactions:<br>A premium charge will be deducted from each premium paid.<br>A transfer fee may be deducted upon transfers into or out of a variable <br> investment account after you have made more than 12 such transfers in a <br> year. | &nbsp;&nbsp; In addition to surrender charges (if applicable), you may also be charged for <br> the following transactions:<br>A premium charge will be deducted from each premium paid.<br>A transfer fee may be deducted upon transfers into or out of a variable <br> investment account after you have made more than 12 such transfers in a <br> year. | &nbsp;&nbsp; *FEE TABLE*<br>*Deductions from premium* <br> *payments*<br>*Deductions from policy* <br> *value*<br>|
| Ongoing Fees and <br> Expenses (annual charges) | &nbsp;&nbsp; In addition to surrender charges and transaction charges, you will also be <br> subject to certain ongoing fees and expenses, including a cost of insurance <br> charge, administrative charge, Face Amount charge, Advance Contribution <br> Charge, asset-based risk charge, policy loan costs, and supplementary benefit <br> rider charges. Some of these fees and expenses are based wholly or in part on <br> the characteristics of the insured person (e.g., age, sex, and underwriting <br> classification).<br>You should view the "policy specifications" page of your policy for rates <br> applicable to your policy. | &nbsp;&nbsp; In addition to surrender charges and transaction charges, you will also be <br> subject to certain ongoing fees and expenses, including a cost of insurance <br> charge, administrative charge, Face Amount charge, Advance Contribution <br> Charge, asset-based risk charge, policy loan costs, and supplementary benefit <br> rider charges. Some of these fees and expenses are based wholly or in part on <br> the characteristics of the insured person (e.g., age, sex, and underwriting <br> classification).<br>You should view the "policy specifications" page of your policy for rates <br> applicable to your policy. | &nbsp;&nbsp; In addition to surrender charges and transaction charges, you will also be <br> subject to certain ongoing fees and expenses, including a cost of insurance <br> charge, administrative charge, Face Amount charge, Advance Contribution <br> Charge, asset-based risk charge, policy loan costs, and supplementary benefit <br> rider charges. Some of these fees and expenses are based wholly or in part on <br> the characteristics of the insured person (e.g., age, sex, and underwriting <br> classification).<br>You should view the "policy specifications" page of your policy for rates <br> applicable to your policy. | &nbsp;&nbsp; *FEE TABLE*<br>*Deductions from policy* <br> *value*<br>|
| Ongoing Fees and <br> Expenses (annual charges) | &nbsp;&nbsp; You will also bear expenses associated with the portfolios under the policy, <br> as shown in the following table: | &nbsp;&nbsp; You will also bear expenses associated with the portfolios under the policy, <br> as shown in the following table: | &nbsp;&nbsp; You will also bear expenses associated with the portfolios under the policy, <br> as shown in the following table: | &nbsp;&nbsp; *Charges at the portfolio* <br> *level*<br>*APPENDIX* |
| Ongoing Fees and <br> Expenses (annual charges) | **Annual Fee** | Minimum | Maximum | &nbsp;&nbsp; *Charges at the portfolio* <br> *level*<br>*APPENDIX* |
| Ongoing Fees and <br> Expenses (annual charges) | &nbsp;&nbsp; **Variable investment accounts (portfolio fees** <br> **and expenses)**<br>| 0.39%  | 1.19%  | &nbsp;&nbsp; *Charges at the portfolio* <br> *level*<br>*APPENDIX* |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | |
|:---|:---|:---|
| **RISKS** | **RISKS** | **RISKS** |
| Risk of Loss | You can lose money by investing in this policy. | &nbsp;&nbsp; *PRINCIPAL RISKS OF* <br> *INVESTING IN A* <br> *POLICY*<br>|
| Not a Short- Term <br> Investment<br>| &nbsp;&nbsp; This policy is not a short-term investment and is not appropriate for <br> an investor who needs ready access to cash. The policy is unsuitable <br> as a short-term savings vehicle because of substantial policy-level <br> charges, including the premium charge and the surrender charge, as <br> well as potential adverse tax consequences from such short-term use.<br>| &nbsp;&nbsp; *Early Surrender or* <br> *Withdrawal Risk/Not a* <br> *Short-Term Investment*<br>|
| Risks Associated with <br> Investment Options<br>| &nbsp;&nbsp; An investment in this policy is subject to the risk of poor <br> performance and can vary depending on the performance of the <br> account allocation options available under the policy (e.g., <br> portfolios). Each such option (including the fixed account) will have <br> its own unique risks, and you should review these options before <br> making an allocation decision. You can find the prospectuses and <br> other information about the portfolios at <br> dfinview.com/JohnHancock/PUFT/PVUL2026.<br>| &nbsp;&nbsp; *Investment Risk/Risk of* <br> *Loss*<br>|

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| | | |
|:---|:---|:---|
| **RISKS** | **RISKS** | **RISKS** |
| Insurance Company <br> Risks<br>| &nbsp;&nbsp; Your investment in the policy is subject to risks related to John <br> Hancock USA, including that the obligations (including under the <br> fixed account option), guarantees, or benefits are subject to the <br> claims-paying ability of John Hancock USA. Information about John <br> Hancock USA, including its financial strength ratings, is available <br> upon request from your John Hancock USA representative. Our <br> current financial strength ratings can also be obtained by contacting <br> the Service Office at 1-800-732-5543.<br>| &nbsp;&nbsp; *Depositor*<br>*Registrant*<br>|
| Policy Lapse | &nbsp;&nbsp; Unless the Death Benefit Protection feature is in effect, this policy <br> will go into default if at the beginning of any policy month the <br> policy's net cash surrender value would be zero or below after <br> deducting the monthly deductions then due. The "net cash surrender <br> value" is your policy value, less any policy debt, and less any <br> applicable surrender charges. This can happen as a result of <br> insufficient premium payments, poor performance of the variable or <br> general account options you have chosen, withdrawals, or unpaid <br> loans or loan interest. If a default is not cured within a 61-day grace <br> period, your policy will lapse without value, and no death benefit or <br> other benefits will be payable. You can apply to reinstate a policy that <br> has gone into default, subject to conditions including payment of a <br> specified amount of additional premiums.<br>| &nbsp;&nbsp; *Lapse and* <br> *Reinstatement*<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | |
|:---|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** | **RESTRICTIONS** |
| Investments | &nbsp;&nbsp; There are restrictions that may limit the variable investment account <br> options and general account options (including under the fixed <br> account option) that you may choose, as well as limitations on the <br> transfer of policy value among those options. These restrictions may <br> include a monthly limit on the number of transfers you may make. <br> We may also impose additional restrictions to discourage market <br> timing and disruptive trading activity.<br>In particular, your allocation options will be affected if you elect to <br> take a loan or receive benefits under certain supplementary benefit <br> riders.<br>Among other things, the policy also allows us to eliminate the shares <br> of a portfolio or substitute shares of another new or existing <br> portfolio, subject to applicable legal requirements.<br>Certain investment options may not be available through certain <br> financial intermediaries. See APPENDIX: FINANCIAL <br> INTERMEDIARY VARIATIONS for more information.<br>| &nbsp;&nbsp; *Limitations on transfers* <br> *to or from a variable* <br> *investment account*<br>*Limitations on transfers* <br> *out of the fixed account*<br>*Effect of Loans on Cash* <br> *Value and Death* <br> *Benefit*<br>*Long-Term Care Rider* <br> *Long-Term Care Rider* <br> *2018 and Defined* <br> *Benefit Chronic Illness* <br> *Rider*<br>*Portfolios*<br>|

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| | | |
|:---|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** | **RESTRICTIONS** |
| Optional Benefits | &nbsp;&nbsp; There are restrictions and limitations relating to optional benefits, as <br> well as conditions under which an optional benefit may be modified <br> or terminated by us. For example, certain supplementary benefit <br> riders may be subject to underwriting, and your election of an option <br> may result in restrictions upon some of the policy benefits, including <br> availability of investment options.<br>Availability of certain optional benefits may vary due to state <br> limitations. See the Material State Variations table for more <br> information.<br>Certain optional benefits may not be available through certain <br> financial intermediaries. See APPENDIX: FINANCIAL <br> INTERMEDIARY VARIATIONS for more information.<br>| &nbsp;&nbsp; *Defined Benefit* <br> *Chronic Illness Rider*<br>*More About Certain* <br> *Optional Benefits*<br>*Variations*<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | |
|:---|:---|:---|
| **TAXES** | **TAXES** | **TAXES** |
| Tax Implications | &nbsp;&nbsp; You should consult with a tax professional to determine the tax <br> implications of an investment in and payments received under the <br> policy. There is no additional tax benefit to you if the policy is <br> purchased through a tax-qualified plan. If we pay out any amount of <br> your policy value upon surrender or partial withdrawal, all or part of <br> that distribution would generally be treated as a return of the <br> premiums you've paid and not subjected to income tax, with any <br> portion not treated as a return of your premiums includible in your <br> income. Distributions also are subject to tax penalties under some <br> circumstances. If your policy is a modified endowment contract, <br> distributions, including policy loans, are treated as coming first from <br> the gain in the policy and are includible in your income.<br>| &nbsp;&nbsp; *Tax Consequences of* <br> *Owning a Policy*<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | |
|:---|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| Investment Professional <br> Compensation<br>| &nbsp;&nbsp; Some investment professionals may receive compensation for selling <br> the policy, including by means of commissions and revenue sharing <br> arrangements. These investment professionals may have a financial <br> incentive to offer or recommend this policy over another investment.<br>| &nbsp;&nbsp; *Commissions Paid to* <br> *Dealers*<br>|
| Exchanges | &nbsp;&nbsp; Some investment professionals may have a financial incentive to <br> offer you a new policy in place of the one you already own, and you <br> should only exchange your policy if you determine, after comparing <br> the features, fees, and risks of both policies, that it is preferable for <br> you to purchase the new policy rather than continue to own the <br> existing policy.<br>| &nbsp;&nbsp; *Commissions Paid to* <br> *Dealers*<br>|

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**Overview of The Policy**

**Purpose** 

The purpose of the policy is to provide lifetime protection against economic loss due to the death of the insured person, to help you accumulate assets through variable investment and fixed accounts that we make available, and to provide or supplement your retirement income. The policy may be appropriate for persons seeking both life insurance protection and the potential for the accumulation of cash values. However, fees, expenses and tax implications can make variable life insurance unsuitable as a short-term savings vehicle.

**Premiums** 

We call the investments you make in the policy "premiums" or "premium payments." The Minimum Initial Premium is a dollar amount that is stated in your policy specifications and that must be paid to us in full before your policy will take effect. Premium payments after the initial premium may not be required, but you must pay enough premium to keep the policy in force. That's why the policy is called a "flexible premium" policy. After the payment of the initial premium, premiums may be paid at any time and in any amount until the insured person's attained age 121, subject to the need to pay enough premium to keep the policy in force, and to limitations on maximum premium amount.

Federal tax law limits the amount of premium payments you can make relative to the amount of your policy's insurance coverage. We will not knowingly accept any amount by which a premium payment exceeds this limit. In addition, in order to limit our investment risk exposure under certain market conditions, we may refuse to accept additional premium payments.

From each premium payment you make, we deduct the applicable premium charges identified in the <u>FEE TABLE</u>. We invest the rest (the "net premium") in the variable investment accounts or any fixed account you've elected.

The policy offers a number of variable investment accounts. **You can find some important information about each portfolio in the APPENDIX: PORTFOLIOS AVAILABLE UNDER THE POLICY**, but for a full description of each portfolio, including the investment objectives and strategies, policies, restrictions, and risks, you should read the portfolio's prospectus carefully before investing in the corresponding variable investment account.

You can also allocate policy value to the fixed account (where it is credited with rates of interest that we declare from time to time but will never be less than a minimum rate guaranteed in your policy specifications).

If the net cash surrender value is insufficient to pay the charges when due and the Death Benefit Protection feature is not in effect, your policy can terminate (i.e. "lapse"). This can happen because you haven't paid enough premium, because the investment performance of the variable investment accounts you've chosen has been poor, or because of a combination of both factors.

**Policy Features** 

**Death benefit.** When the insured person dies, we will pay the "death benefit" minus any policy debt and unpaid fees and charges. There are two ways of calculating the death benefit. You choose which one you want in the application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• <u>Option 1.</u> The death benefit will equal the greater of (1) the Face Amount plus any amount payable under a supplementary benefit rider, or (2) the minimum death benefit. The Face Amount is the amount of life insurance coverage as set forth in your policy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• <u>Option 2.</u> The death benefit will equal the greater of (1) the Face Amount plus any amount payable under a supplementary benefit rider, plus the policy value on the date of death, or (2) the minimum death benefit.

**Surrender of the policy.** You may surrender the policy in full while the insured person is alive. If you do, we will pay you the policy value less any outstanding policy debt and less any applicable surrender charge. This is called your "net cash surrender value."

**Withdrawals.** After the first policy year, you may make a withdrawal of part of your net cash surrender value. Generally, each withdrawal must be at least $500. Your policy value is automatically reduced by the amount of the withdrawal. A withdrawal may also reduce the Face Amount.

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**Policy loans.** If your policy is in force and has sufficient policy value, you may borrow from it at any time by completing the appropriate form. Generally, the minimum amount of each loan is $500. The maximum amount you can borrow is determined by a formula as described in your policy. Interest is charged on each loan. If there is an outstanding loan when the insured person dies, the amount of the loan and accrued interest will be deducted from the death benefit and other policy proceeds.

**Policy Value Credit.** We will apply a Policy Value Credit to your policy value on each monthly deduction date. The Policy Value Credit on each monthly deduction date is equal to the greater of zero and Policy Value Credit Component A minus Policy Value Credit Component B, where both components are individual calculations used to determine the value, if any, of the Policy Value Credit that will be applied. However, in no event will the Policy Value Credit exceed the Cost of Insurance Charge for that monthly deduction date. The calculation of the Policy Value Credit components is described in detail in your Policy Specifications. The Policy Value Credit component rates vary by the insured's age, sex, and risk class and are shown in your Policy Specifications. The Policy Value Credit will be allocated automatically to each variable investment account and/or the fixed account in the same proportions as we are taking your monthly deductions. This credit is designed to help improve the long-term performance of your policy and is affected by the amounts and timing of the premiums that you pay into the policy, how well the variable investment accounts you select perform, withdrawals and other changes you make to the policy. You can see the effect that these factors have on the policy value by requesting an illustration at various assumptions.

**Asset Credit.** We will apply an Asset Credit on each monthly deduction date beginning in the Asset Credit Commencement Year (Policy Year 11). The Asset Credit equals the Asset Credit Rate times the lesser of the policy value (excluding the Loan Account) and the Face Amount. The applicable Asset Credit Rates vary by the insured's age and are shown in your Policy Specifications. The Asset Credit will be allocated automatically to each variable investment account and/or the fixed account in the same proportions as we are taking your monthly deductions. This credit is designed to help improve the long-term performance of your policy and is affected by the amounts and timing of the premiums that you pay into the policy, how well the variable investment accounts you select perform, loans, withdrawals and other changes you make to the policy. You can see the effect that these factors have on the policy value by requesting an illustration at various assumptions.

**Supplementary benefit riders.** When you apply for the policy, you can request any of the below-listed supplementary benefit riders that we make available. Availability of riders varies from state to state. Charges for most riders will be deducted monthly from the policy value. Some riders may not be available in combination with other riders or benefits.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Healthy Engagement Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Critical Illness Benefit Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disability Payment of Specified Premium Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Long-Term Care Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Long-Term Care Rider 2018

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accelerated Benefit Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Healthy Engagement Core Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Enhanced Death Benefit Protection Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accelerated Death Benefit for Chronic Illness Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Defined Benefit Chronic Illness Rider

You can find information about the fees we charge for these riders under "Optional Benefit Charges" in the Fee Table below. We also offer, at no charge, a dollar cost averaging ("DCA") program and an asset allocation balancer program.

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**Fee Table**

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the policy. Please refer to your policy specifications for information about the specific fees you will pay each year based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time that you buy the policy, surrender or make withdrawals from the policy, or transfer policy value between investment options.

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| | | |
|:---|:---|:---|
| **TRANSACTION FEES** | **TRANSACTION FEES** | **TRANSACTION FEES** |
| **Charge** | **When Charge is Deducted** | **Amount Deducted** |
| Maximum premium charge | Upon payment of premium | 20% of each premium paid (1) |
| Surrender charge<sup>(2)</sup> <br>| &nbsp;&nbsp; Upon surrender, policy lapse, withdrawals, <br> and certain reductions in Face Amount<br>|  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $2.17 per $1,000 of Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $56.21 per $1,000 of Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a representative insured <br> person<br>|  | $39.44 per $1,000 of Face Amount |
| Transfer fee<sup>(3)</sup> <br>| &nbsp;&nbsp; Upon each transfer into or out of a variable <br> investment account beyond an annual limit <br> of twelve<br>| $25.00 |
| Enhanced Death Benefit Protection <br> Rider<sup>(4)</sup> <br>| Upon payment of premium | 10% of each premium paid |

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*(1) This charge is 20% of each premium paid in years 1-10 and 17% of each premium paid in years 11 and thereafter.* 

&nbsp;&nbsp;&nbsp;&nbsp;*(2) A surrender charge is applicable for ten policy years from the Policy Date, and varies based upon the sex, issue age and duration, and risk classification of the insured person. The maximum charge shown is for a 68-year old female super preferred non-smoker underwriting risk. The minimum charge shown is for a 90-year old male standard non-smoker underwriting risk. The representative insured person rate shown is for a 55-year old male preferred non-smoker underwriting risk. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.* 

*(3) This charge is not currently imposed, but we reserve the right to do so in the policy.* 

*(4) This charge does not apply if the Enhanced Death Benefit Protection Rider is not elected.* 

The next table describes the fees and expenses that you will pay periodically during the time that you own the policy, not including portfolio fees and expenses.

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| | | |
|:---|:---|:---|
| **PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** |
| **Charge** | **When Charge is Deducted** | **Amount Deducted** |
| **Base Policy Charges:** |  |  |
| Cost of Insurance<sup>(1)</sup>: | Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.01 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $83.33 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a representative insured <br> person<br>|  | $0.28 per $1,000 of NAR |
| Administrative charge | Monthly | $15.00 |
| Face Amount charge<sup>(2)</sup>: | Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.05 per $1,000 of Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $11.69 per $1,000 of Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a representative insured <br> person<br>|  | $0.33 per $1,000 of Face Amount |
| Advance Contribution Charge<sup>(3)</sup> <br>| Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | &nbsp;&nbsp; $0.01 per $1,000 of excess Cumulative <br> Premiums<br>|

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| | | |
|:---|:---|:---|
| **PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** |
| **Charge** | **When Charge is Deducted** | **Amount Deducted** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | &nbsp;&nbsp; $3.75 per $1,000 of excess Cumulative <br> Premiums<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for representative insured <br> person<br>|  | &nbsp;&nbsp; $1.42 per $1,000 of excess Cumulative <br> Premiums<br>|
| Asset-based risk charge<sup>(4)</sup> | Monthly | 0.0208% (monthly rate) of policy value |
| Maximum policy loan interest rate<sup>(5)</sup> <br>| Accrues daily Payable annually | 3.25% annual rate |
| Charge | When Charge is Deducted | Amount Deducted |
| **Optional Benefit Charges:** |  |  |
| Healthy Engagement Rider | Monthly | $2 |
| Critical Illness Benefit Rider<sup>(6)</sup> <br>| Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | &nbsp;&nbsp; $0.20 per $1,000 of Critical Illness Benefit <br> Amount<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | &nbsp;&nbsp; $48.43 per $1,000 of Critical Illness <br> Benefit Amount<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for representative insured <br> person<br>|  | &nbsp;&nbsp; $5.10 per $1,000 of Critical Illness Benefit <br> Amount<br>|
| Disability Payment of Specified Premium <br> Rider<sup>(7)</sup> <br>| Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $16.57 per $1,000 of Specified Premium |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $198.67 per $1,000 of Specified Premium |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for representative insured <br> person<br>|  | $88.11 per $1,000 of Specified Premium |
| Long-Term Care Rider<sup>(8)</sup> <br>| Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.01 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $3.34 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for representative insured <br> person<br>|  | $0.11 per $1,000 of NAR |
| Long-Term Care Rider 2018<sup>(9)</sup> <br>| Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.01 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $3.75 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for representative insured <br> person<br>|  | $0.10 per $1,000 of NAR |
| Defined Benefit Chronic Illness Rider<sup>(10)</sup> <br>| Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.01 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $53.03 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for representative insured <br> person<br>|  | $0.52 per $1,000 of NAR |

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&nbsp;&nbsp;&nbsp;&nbsp;*(1) The "cost of insurance" charge is determined by multiplying the net amount of insurance for which we are at risk (the "NAR") by the applicable cost of insurance rate. The rates vary widely depending upon age at issue, the length of time the policy has been in effect, the insurance risk characteristics of the insured person and (generally) the gender of the insured person. The minimum rate shown is the rate in the first policy year for a 5-year old female standard non-smoker underwriting risk. The maximum rate shown is the rate in policy year 14 for a policy issued to cover a 90-year old male substandard smoker underwriting risk. The representative insured person rate shown is the rate for a 55-year old male preferred non-smoker underwriting risk with a policy in the first policy year. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.* 

&nbsp;&nbsp;&nbsp;&nbsp;*(2) This charge is determined by multiplying the Face Amount at issue by the applicable rate. The rates vary by the sex, age, and risk classification at issue of the insured person. The charge also varies by policy year. The minimum rate shown is the rate for a 0 year old female standard non-smoker underwriting risk with a policy in the first policy year. The maximum rate shown is the rate for a 90-year* 

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*old male standard smoker underwriting risk with a policy in the fourth policy year. The representative insured person rate shown is for a 55-year old male preferred non-smoker underwriting risk with a policy in the first policy year. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.* 

&nbsp;&nbsp;&nbsp;&nbsp;*(3) This charge is determined by taking the excess (if any) of cumulative premiums paid over the Advance Contribution Limit multiplied by the number of years that your policy has been in effect, and multiplying the result by the Advance Contribution Charge Rate for the current policy year, through policy year 10. The charge will be zero after year 10. The Advance Contribution Charge Rates and Advance Contribution Limit vary depending upon the issue age, insurance risk characteristics and gender of the insured person. The Advance Contribution Charge Rates and the Advance Contribution Limit are identified in your Policy Specifications. The maximum rate shown is for a 35-year old male super preferred non-smoker underwriting risk with a policy in the first policy year. The minimum rate shown is for a 0-year old male standard non-smoker underwriting risk with a policy in the tenth policy year. The representative insured person rate shown is the rate for a 55-year old male preferred non-smoker underwriting risk with a policy in the first policy year. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.* 

&nbsp;&nbsp;&nbsp;&nbsp;*(4) This charge is not currently imposed, but we reserve the right do so in the policy. This charge only applies to that portion of policy value held in the variable investment accounts. The charge determined does not apply to any fixed account.* 

&nbsp;&nbsp;&nbsp;&nbsp;*(5) The maximum effective annual interest rate we can charge for the loan account is 3.25% for policy years 1 through 10 and 2.25% for policy years 11 and thereafter. The minimum interest that the loan account will earn is equal to the difference between the maximum annual interest rate we charge for the loan minus the Maximum Loan Interest Credited Differential. The "Maximum Loan Interest Credited Differential" is the difference between the annual interest rate we charge for the loan minus the interest rate we credit for the loan.* 

&nbsp;&nbsp;&nbsp;&nbsp;*(6) The charge for this rider is determined by multiplying the Critical Illness Benefit Amount by the applicable rate. The rates vary by issue age, duration, gender, and critical illness risk classification of the insured person (e.g., the risk that the insured person will develop a "Critical Illness," as defined in the rider). The minimum rate shown is the rate in the second policy year for an 18-year old female standard non-smoker underwriting risk. The maximum rate shown is the rate in the sixteenth policy year for a 49-year old male standard smoker underwriting risk. The rate for the representative insured person is the rate in the first policy year for a 55-year old male preferred non-smoker underwriting risk. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.* 

&nbsp;&nbsp;&nbsp;&nbsp;*(7) The charge for this rider is determined by multiplying the Specified Premium by the applicable rate. The "Specified Premium" is stated in your policy specifications. The rates vary by the sex, issue age and the disability insurance risk characteristics of the insured person. The minimum rate shown is for a 20 year old male standard non-smoker underwriting risk. The maximum rate shown is for a 54 year old female substandard smoker underwriting risk. The representative insured person rate shown is for a 55 year old male preferred non-smoker underwriting risk. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.* 

&nbsp;&nbsp;&nbsp;&nbsp;*(8) The charge for this rider is determined by multiplying NAR by the applicable rate. The rates vary by the long- term care insurance risk characteristics of the insured person and the Monthly Acceleration Percentage selected. The minimum rate shown is for a 20 year old female super preferred non-smoker underwriting risk with a 1%" Monthly Acceleration Percentage," which is a percentage of the death benefit you can accelerate each month. The Monthly Acceleration Percentage is stated in your policy specifications. The maximum rate shown is for a 75 year old male substandard smoker underwriting risk with a 4% Monthly Acceleration Percentage. The representative insured person rate shown is for a 55-year old male preferred non-smoker underwriting risk with a 4% Monthly Acceleration Percentage. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.* 

&nbsp;&nbsp;&nbsp;&nbsp;*(9) The charge for this rider is determined by multiplying NAR by the applicable rate. The rates vary by the long- term care insurance risk characteristics of the insured person and the Monthly Acceleration Percentage selected. The minimum rate shown is for a 20-year old male super preferred non-smoker underwriting risk with a 1% Monthly Acceleration Percentage. The maximum rate shown is for a 75-year old female substandard smoker underwriting risk with a 4% Monthly Acceleration Percentage. The representative insured person rate shown is for a 55-year old male preferred non-smoker underwriting risk with a 4% Monthly Acceleration Percentage. These rates may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*(10) The charge for this rider is determined by multiplying NAR by the applicable rate. The rates vary by the chronic illness insurance risk characteristics of the insured person, the Monthly Acceleration Percentage selected, and the policy duration. The "Monthly Acceleration Percentage" is a percentage of the maximum amount you can accelerate each month. The minimum rate shown is the rate in the first policy year for a 20 year old male super preferred non-smoker underwriting risk with a 1% Monthly Acceleration Percentage. The maximum rate shown is the rate in policy year 41 for a policy issued to cover a 80-year old male substandard smoker underwriting risk with a 4% Monthly Acceleration Percentage. The representative insured person rate shown is for a 55-year old male* 

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*preferred non-smoker underwriting risk with a policy in the first policy year with a 4% Monthly Acceleration Percentage. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.*

The next item shows the minimum and maximum total operating expenses charged by the portfolios that you may pay periodically during the time that you own the policy. A complete list of the portfolios available under the policy, including their annual expenses, may be found at the back of this document.

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| | | |
|:---|:---|:---|
| **Annual Portfolio Expenses** | **Minimum** | **Maximum** |
| Range of expenses that are deducted from portfolio assets, including <br> management fees, distribution and/or service (12b-1) fees, and other <br> expenses<br>| &nbsp;&nbsp; 0.39% | &nbsp;&nbsp; 1.19% |

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**General Description of The Policy**

**Policy Rights** 

**Owner and beneficiary.** The owner of the policy is the person who can exercise most of the rights under the policy, such as the right to choose the accounts in which to invest or the right to surrender the policy. In many cases, the person buying the policy is also the person who will be the owner. However, the application for a policy can name another person or entity (such as a trust) as owner. It is possible to name so-called "joint owners" of the policy. If more than one person owns a policy, all owners must join in most requests to exercise rights under the policy. Whenever we've used the term "you" in this prospectus, we've assumed that the reader is the person who has whatever right or privilege is being discussed. There may be tax consequences if the owner and the insured person are different, so you should discuss this issue with your tax adviser.

While the insured person is alive, you will have a number of options under the policy. These options include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determine when and how much you allocate to the variable investment accounts and any fixed account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Borrow or withdraw amounts you have in the variable investment account and any fixed account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Change the beneficiary who will receive the death benefit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Change the amount of insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Surrender the policy for its net cash surrender value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Choose the form in which we will pay out the death benefit or other proceeds.

You name your beneficiary when you apply for the policy. The beneficiary is entitled to the proceeds we pay following the insured person's death. Until the death of the insured person you can change your beneficiary by written request. Such a change requires the consent of any named irrevocable beneficiary. A new beneficiary designation will not affect any payments we make before we receive it. If no beneficiary is living when the insured person dies, we will pay the insurance proceeds to the owner or the owner's estate.

**Allocation of Premiums** 

All premiums received prior to the Issue Date of the policy will be held in the general account and credited with interest from the date of receipt at the rate of return then being earned on amounts allocated to the Money Market variable investment account. After the Issue Date but prior to the Allocation Date, net premiums received are allocated to the Money Market variable investment account. The "Allocation Date" of the policy is the tenth day after the Issue Date. The Issue Date is shown in your policy specifications. On the Allocation Date, the net premiums paid plus return credited, if any, will be allocated among the variable investment accounts (including under the fixed account option) in accordance with the policy owner's instructions. Any net premium received on or after the Allocation Date will be allocated among variable investment accounts (including under the fixed account option) as of the business day on or next following the date the premium is received at the Service Office. In your application for a policy, you give us your initial instructions as to how you wish your initial and future premium payments to be allocated among the variable investment (including under the fixed account option). Your instructions must be in percentages that add up to 100%. By written request and at any time, you may change the variable investment (including under the fixed account option) in which future premium payments will be invested.

There are restrictions that may limit the variable investment account (including under the fixed account option) options that you may choose, as well as limitations on the transfer of policy value among those options. For example, your investment options will be limited if you exercise benefits under the Long-Term Care Rider and the Long-Term Care Rider 2018. Specifically, all value you have in the variable investment accounts will automatically be transferred to the fixed account, and, so long as you continue to receive any of those benefits, you will not be permitted to allocate any additional amounts to the variable investment accounts.

**Transfers of Policy Value** 

You may transfer your policy value from one variable investment account or any fixed account to another, subject to the limitations discussed below. To do so, you must tell us how much to transfer, either as a whole number percentage or as a specific dollar amount. A confirmation of each transfer will be sent to you. Without our approval, the maximum amount you may transfer to or from any variable investment account or any fixed account in any policy year is $1,000,000.

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We have adopted policies and procedures with respect to frequent transfers of policy value among variable investment accounts.

**Limitations on transfers to or from a variable investment account.** Our current practice is to restrict transfers into or out of variable investment accounts to two per calendar month (except with respect to those policies described in the following paragraphs). For purposes of this restriction, and in applying the limitation on the number of free transfers, any transfers made during the period from the opening of a business day (usually 9:00 a.m. Eastern time) to the close of that business day (usually 4:00 p.m. Eastern time) are considered one transfer. You may, however, transfer to the Money Market variable investment account even if the two transfers per month limit has been reached, but only if 100% of the account value in all variable investment accounts is transferred to the Money Market variable investment account. If such a transfer to the Money Market variable investment account is made, then for the 30 calendar day period after such transfer no transfers from the Money Market variable investment account to any other variable investment account or any fixed account may be made. If your policy offers a dollar cost averaging or automatic asset allocation rebalancing program, any transfers pursuant to such program are not considered transfers subject to these restrictions on frequent trading.

Subject to our approval, we may offer policies purchased by a corporation or other entity that has purchased policies to match its liabilities under an employee benefit plan, as described above, the ability to electronically rebalance the variable investment accounts in its policies. Under these circumstances, in lieu of imposing any specific limit upon the number and timing of transfers, we will monitor aggregate trades among the subaccounts for frequency, pattern and size for potentially harmful investment practices. If we detect trading activity that we believe may be harmful to the overall operation of any variable investment account or underlying portfolio, we may impose conditions on policies employing electronic rebalancing to submit trades, including setting limits upon the number and timing of transfers, and revoking privileges to make trades by any means other than written communication submitted via U.S. mail. While we seek to identify and prevent disruptive frequent trading activity, it may not always be possible to do so. Therefore no assurance can be given that the restrictions we impose will be successful in preventing all disruptive frequent trading and avoiding harm to long-term investors.

We will apply these limitations uniformly to each class of policies.

**Frequent transfers among variable investment accounts.** Variable investment accounts in variable life insurance products can be a prime target for abusive transfer activity because these products value their variable investment accounts on a daily basis and allow transfers among variable investment accounts without immediate tax consequences. As a result, some investors may seek to frequently transfer into and out of variable investment accounts or to make large transfers in reaction to market news or to exploit a perceived pricing inefficiency.

Whatever the reason, long-term investors in any variable investment account can be harmed by large or frequent transfer activity. For example, such activity may expose the variable investment account's portfolio to increased portfolio transaction costs and/or disrupt the portfolio manager's ability to effectively manage the portfolio's investments in accordance with the portfolio's investment objectives and policies. This could include causing the portfolio to maintain higher levels of cash than would otherwise be the case, or liquidating investments prematurely. Accordingly, frequent or large transfers may result in dilution with respect to interests held for long-term investment and adversely affect policy owners, beneficiaries and the portfolios.

To discourage market timing and disruptive trading activity, we impose restrictions on transfers and reserve the right to change, suspend or terminate telephone, facsimile and internet transaction privileges. We also reserve the right to impose a fee of up to $25 for any transfer beyond an annual limit (which would be 12 or more). No transfer fee will be imposed on any transfer from a variable investment account into any fixed account if the transfer occurs during the following periods:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• within 18 months after the policy's Issue Date, or

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• within 60 days after the later of the effective date of a material change in the investment objectives of any variable investment account or the date you are notified of the change.

While we seek to identify and prevent disruptive trading activity, it may not always be possible to do so. Therefore, no assurance can be given that the restrictions we impose will be successful in preventing all disruptive trading and avoiding harm to long-term investors.

**Limitations on transfers out of the fixed account.** Transfers out of the fixed account option in any one policy year are limited to the greater of (i) the fixed account maximum transfer amount of $2,000, (ii) the fixed account maximum transfer percentage of 15% multiplied by the amount of the fixed account on the immediately preceding policy anniversary, or (iii) the amount transferred out of the fixed account during the previous policy year. Any transfer out of the fixed account may not involve a transfer to the Money Market variable investment account. We reserve the right to impose a minimum amount limit on transfers out of any fixed account. We also reserve the right to impose different restrictions on any additional fixed account that we may offer in the future. We may waive the transfer restrictions on the fixed account.

**Potential additional limitations.** We reserve the right to take other actions to restrict transfers, including, but not limited to: (i) restricting the number of transfers made during a defined period, (ii) restricting the dollar amount of transfers, (iii) restricting transfers into and out of certain variable investment accounts, (iv) restricting the method used to submit transfers, and (v) deferring a transfer at any time we are unable to purchase or redeem shares of the portfolio. We may also impose additional administrative conditions upon or prohibit a transfer request made by a third party giving instructions on behalf of multiple policies, whether owned by the same owner or different owners. If you engage a third party for asset allocation services, then you may be subject to these transfer restrictions because of the actions of that party in providing those services. We will notify the third party you have engaged if we exercise this right. A portfolio also may require us to impose additional trading restrictions if violations of its policies against frequent or disruptive trading in its shares are discovered.

**Dollar cost averaging and asset allocation balancer programs.** We may offer policy owners a dollar cost averaging ("DCA") program. Under the DCA program, you will designate an amount that will be transferred monthly from one variable investment account into any other variable investment account or a fixed account. If insufficient funds exist to effect a DCA transfer, the transfer will not be effected and you will be so notified. We do not apply any minimum amount requirements for participation in the DCA program. You can participate in both the dollar cost averaging and asset rebalancing programs at the same time. Under the asset allocation balancer program you will designate an allocation of policy value among variable investment accounts. We will move amounts among the variable investment accounts at specified intervals you select - annually, semi- annually, quarterly or monthly. A change to your premium allocation instructions will automatically result in a change in asset allocation balancer instructions so that the two are identical unless you either instruct us otherwise or have elected the dollar cost averaging program. This asset allocation balancer program only applies to policy value in the variable investment accounts. No fee is charged for these programs. We reserve the right to cease to offer these programs as of 90 days after written notice is sent to you.

**General Account** 

The fixed account is part of our general account. Our general account consists of all assets owned by us other than those in the Separate Account and any other separate accounts which we have established and may establish. Any interest credited to a policy owner from an investment in a fixed account and any guaranteed benefits we may provide under the policy that exceed the value of amounts held in the Separate Account will be paid from the Company's general account and will be subject to the Company's financial strength and claims paying ability. Subject to applicable law, John Hancock USA has sole discretion over the investment of the assets of the general account and policy owners do not share in the investment experience of, or have any preferential claim on, those assets. John Hancock USA bears full investment risk for all amounts allocated to the fixed account.

Because of exemptive and exclusionary provisions, interests in our fixed account have not been and will not be registered under the Securities Act of 1933 and our general account has not been registered as an investment company under the Investment Company Act of 1940 ("1940 Act"). Accordingly, neither the general account nor any interests therein are subject to the provisions of these acts. Disclosures regarding the general account, however, are subject generally to applicable provisions of federal securities laws relating to the accuracy and completeness of statements made in the prospectus.

**The fixed account.** Policy value allocated to any fixed account will accrue interest daily at an effective annual rate that we determine and that depends on a number of significant considerations in addition to the actual investment experience we expect for the general account. We currently offer only one fixed account—the standard fixed account. The effective annual

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rate we declare for the fixed account will never be less than 2%. We reserve the right to offer one or more additional fixed accounts with characteristics that differ from those of the current fixed account, but we are under no obligation to do so. Any interest we credit in excess of the guaranteed interest crediting rate will be based on our sole discretion. Additionally, interest credited on a non-guaranteed basis varies over time is rarely the same year-over-year and there may be extended periods of time during which no interest above the guaranteed minimum is declared.

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**Premiums** 

**Purchase Procedures** 

Generally, the policy is available with a minimum Face Amount at issue of $50,000. At the time of issue, the insured person must have an attained age of no more than 90. The insured person must meet certain health and other insurance risk criteria called "underwriting standards."

The Minimum Initial Premium is set forth in your policy specifications. Factors that determine the minimum initial premium amount generally include the insured person's age, sex and risk classification including any additional ratings; the Face Amount of insurance; choice of Death Benefit Option 1 vs. Option 2; and any selected supplementary benefit rider. Premium payments after the initial premium may not be required, but you must pay enough premium to keep the policy in force. That's why the policy is called a "flexible premium" policy.

If you pay premiums by check or money order, they must be drawn on a U.S. bank in U.S. dollars and made payable to "John Hancock." We will not accept credit card checks. We will not accept starter or third party checks if they fail to satisfy our administrative requirements. Premiums after the first must be sent to the John Hancock USA Service Office at the appropriate address shown on the back cover of this prospectus. We will also accept premiums by wire or by exchange from another insurance company, or via an electronic funds transfer program (any owner interested in making monthly premium payments must use this method).

**Premium Amount** 

In addition to the Minimum Initial Premium, your policy specifications will also show the "Planned Premium" that you chose for the policy. Payment of Planned Premiums is not necessarily required, however. You need only pay enough premium to keep the policy in force.

The amount and frequency of the Planned Premium are determined by you, in consultation with your financial advisor, based upon your financial objectives for the policy. Depending upon the amount and timing of your actual premium payments, investment results, changing objectives and other factors, you may need to change the amount and frequency of your premium payments from the Planned Premium amount in order for the policy to continue to support your financial objectives. You may be required to pay additional premiums beyond the Planned Premium amount in order to keep your policy from lapsing. You should request in-force illustrations periodically in order to help assure that you are keeping on track with your objectives.

Federal tax law limits the amount of premium payments you can make relative to the amount of your policy's insurance coverage. Also, in order to limit our exposure to unanticipated investment risk, we may refuse to accept additional premium payments. For example, with large premium payments in an environment of decreasing interest rates, we may not be able to acquire investments for our general account that will sufficiently match the liabilities we are incurring under our fixed account guarantees. Excessive allocations may also interfere with the effective management of our variable investment accounts, if we are unable to make an orderly investment of the additional premium into the variable investment accounts. Also, we may refuse to accept or limit an amount of premium if the amount of the premium would increase our insurance risk exposure, and the insured person doesn't provide us with adequate evidence that he or she continues to meet our requirements for issuing insurance.

We will notify you in writing of our refusal to accept premium and will promptly thereafter take the necessary steps to return the premium to you. Notwithstanding the foregoing limits on the premium that we will accept, we will not refuse to accept any premium necessary to prevent the policy from terminating.

**Premium Due Dates** 

Unless the Death Benefit Protection feature is in effect, a policy will go into default if at the beginning of any policy month the policy's net cash surrender value would be zero or below after deducting the monthly deductions then due. Therefore, a policy could lapse eventually if increases in policy value (prior to deduction of policy charges) are not sufficient to cover policy charges. We will notify you of the default and will allow a 61-day grace period in which you may make a premium payment sufficient to bring the policy out of default. The required payment will be equal to the amount necessary to bring the net cash surrender value to zero, if it was less than zero on the date of default, plus an amount equal to three times the monthly deductions due on the date of default, plus any applicable premium charge. If the insured person should die during the grace

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period, the policy value used in the calculation of the death benefit will be the policy value as of the date of default and the death benefit will be reduced by any outstanding monthly deductions due at the time of death. If the required payment is not received by the end of the grace period, the policy will terminate (i.e., "lapse") with no value.

**Death Benefit Protection** 

Your policy is issued with the Death Benefit Protection feature that prevents your policy from going into default in certain circumstances, as described below, even if your net cash surrender value falls to zero or below. **The Death Benefit Protection feature does not provide you with any additional death benefit amount or any increase in your policy value, and it does not provide any type of investment performance guarantee.** 

The Death Benefit Protection feature prevents your policy from going into default as long as the Death Benefit Protection Value ("DBPV") less policy debt is greater than zero and the policy debt does not exceed the policy value. Your DBPV is calculated solely to determine whether your Death Benefit Protection feature is in effect. The DBPV charges and values that determine the DBPV are not charges you pay nor are they values that you receive in your policy value. The DBPV does not provide any additional death benefit amount or any increase in your policy value. Therefore, the DBPV is determined in a similar manner to the policy value determination described in this prospectus except that it has a separate set of charges and values. On the Issue Date and on each monthly deduction date thereafter, we will calculate your DBPV.

Like the policy value, the DBPV increases as premiums are paid and interest is credited, and decreases as charges are deducted from it. The DBPV-specific rates for premium charges and monthly deductions (Administrative Charge, Face Amount Charge, Advance Contribution Charge, and Cost of Insurance Charge) are shown in your policy specifications. Interest is credited to the DBPV at the Death Benefit Protection Annual Interest Rate, which will be increased by the Death Benefit Protection Annual Bonus Rate whenever the ratio of the DBPV to the Face Amount exceeds the Death Benefit Protection Threshold Rate. These rates are also shown in your policy specifications.

Investment losses or gains, amounts credited to the fixed account, and Policy Value Credits and Asset Credits will not be applied to the DBPV. Additionally, each time an amount is deducted from the policy value for any reason other than to take a monthly deduction (e.g., when you take a withdrawal), the DBPV is also reduced in the same manner as the policy value.

The Death Benefit Protection feature will go into default at the beginning of any policy month in which the DBPV less policy debt is less than or equal to zero after we deduct the DBPV Monthly Deductions that are due for that month. If the Death Benefit Protection feature is in default, we will notify you of that fact and allow a 61-day grace period in which you may make a premium payment sufficient to keep the policy from going into default (the "Death Benefit Protection Default Payment"). This required payment, as described in the notification, will be the amount necessary to bring the DBPV less policy debt to zero, plus the amount necessary to keep the DBPV less policy debt above zero for the next three policy months. If the Death Benefit Protection Default Payment is not paid by the end of the grace period, then the Death Benefit Protection feature will terminate. This feature cannot be reinstated after it terminates. At least 30 days prior to termination of the feature, we will send a notice to your last known address, specifying the amount you must pay to bring the feature out of default. If we have notice of a policy assignment on file at our Service Office, we will mail a copy of the notice of the amount due to the assignee on record.

The DBPV charge rates and interest rates are set at issue and reflect the age, sex and risk classification of the insured persons, as well as any additional rating and supplementary benefit riders, (including under the Enhanced Death Benefit Protection Rider) if applicable. The Death Benefit Protection feature may be impacted by certain policy changes because of the effect such policy changes has on the DBPV Monthly Deductions described above. Such changes include, but are not limited to the following: (i) a reduction in Face Amount, (ii) a death benefit option change, (iii) any change in the supplementary benefit riders added to the policy, (iv) any change in the risk classification of the insured person, or (v) withdrawals.

Additionally, withdrawals reduce the DBPV by the amount of the withdrawal. For example, if the DBPV was equal to $2,000 at the time that you take a $3,000 withdrawal, then the DBPV would be reduced by the amount of that withdrawal to an amount that is less than zero, and your Death Benefit Protection Feature would then be in default.

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**Standard Death Benefits** 

**Standard Death Benefits** 

**Effectiveness and Policy Date.** After you apply for a policy, we gather and evaluate all the information we need to decide whether to issue a policy to you and, if so, what each insured person's risk classification should be. After we approve an application for a policy and assign an appropriate insurance risk classification, we will prepare the policy for delivery. The policy will take effect only if all of the following conditions are satisfied:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The policy is delivered to and received by the applicant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Minimum Initial Premium is received by us.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each insured person is living and there has been no deterioration in the insurability of the insured persons since the date of the application.

If all of the above conditions are satisfied, the policy will take effect on the date shown in the policy as the "Policy Date." That is the date on which we begin to take monthly deductions. Policy months, policy years and policy anniversaries are all measured from the Policy Date. Under limited circumstances, we may backdate a policy, upon request, by assigning a Policy Date earlier than the date the application is signed. However, in no event will a policy be backdated earlier than the earliest date allowed by state law, which is generally three months to one year prior to the date of application for the policy. The most common reasons for backdating are to preserve a younger age at issue for the insured person or to retain a common monthly deduction date in certain corporate-owned life insurance cases involving multiple policies issued over time. If used to preserve age, backdating will result in lower insurance charges. However, monthly deductions will begin earlier than would otherwise be the case.

**Temporary insurance coverage.** If a specified amount of premium is paid with the application for a policy and other conditions are met, we will provide temporary term life insurance coverage on the insured person for a period prior to the time coverage under the policy takes effect. Such temporary term coverage will be subject to the terms and conditions described in the Temporary Life Insurance Agreement and Receipt attached to the application for the policy, including conditions to coverage and limits on amount and duration of coverage.

**Option 1 and Option 2.** When the insured person dies, we will pay the death benefit minus any outstanding policy debt and unpaid fees and charges. There are two ways of calculating the death benefit. You must choose which one you want in the application. The two death benefit options are described below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• <u>Option 1.</u> The death benefit will equal the greater of (1) the Face Amount plus any amount payable under a supplementary benefit rider, or (2) the minimum death benefit (as described below).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• <u>Option 2.</u> The death benefit will equal the greater of (1) the Face Amount plus any amount payable under a supplementary benefit rider, plus the policy value on the date of death, or (2) the minimum death benefit.

See the **OTHER BENEFITS AVAILABLE UNDER THE POLICY** and *More About Certain Optional Benefits* sections for more information about riders that may increase the death benefit.

For the same premium payments, the death benefit under Option 2 will tend to be higher than the death benefit under Option 1. On the other hand, the cost of insurance charges (based on the higher NAR) will be higher under Option 2 to compensate us for the additional insurance risk. Because of that, the policy value will tend to be higher under Option 1 than under Option 2 for the same premium payments.

Poor investment performance of the portfolios, expenses, and deduction of charges under the policy all will reduce the policy value and net cash surrender value and may also reduce the death benefit. However, favorable investment performance may increase the policy value, net cash surrender value, and death benefit. Therefore, if you experience better investment performance or lower expenses and charges than you assumed, you may be able to reduce your premium payments while maintaining the death benefit and other values under your policy; or if you continue to pay premiums at the same level, the death benefit and other values under your policy may increase. Conversely, if the investment performance falls short of what you assumed, or the expenses or charges are higher, the death benefit and other values under your policy may decrease unless you pay additional premiums.

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**Minimum death benefit.** In order for a policy to qualify as life insurance under Federal tax law, there has to be a minimum amount of insurance in relation to policy value. The Federal tax law test that will be applied at issue to determine whether your policy qualifies for life insurance is the cash value accumulation test.

Under the cash value accumulation test, we compute the minimum death benefit each business day by multiplying the policy value on that date by the death benefit factor applicable on that date. The factor decreases as attained age increases. A table showing the factor for each age will appear in the policy , and the following table shows such factors for selected ages.

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| | | |
|:---|:---|:---|
| **Issue Age** | **Year 1 Factor – Female**<br> **Std NS**<br>| **Year 1 Factor – Male**<br> **Std NS**<br>|
| 40 | &nbsp;&nbsp; 279.03% | &nbsp;&nbsp; 265.08% |
| 45 | &nbsp;&nbsp; 254.39% | &nbsp;&nbsp; 242.11% |
| 50 | &nbsp;&nbsp; 231.91% | &nbsp;&nbsp; 221.85% |
| 55 | &nbsp;&nbsp; 211.83% | &nbsp;&nbsp; 203.45% |
| 60 | &nbsp;&nbsp; 193.52% | &nbsp;&nbsp; 186.13% |
| 65 | &nbsp;&nbsp; 177.35% | &nbsp;&nbsp; 171.15% |
| 70 | &nbsp;&nbsp; 162.43% | &nbsp;&nbsp; 157.46% |
| 75 | &nbsp;&nbsp; 150.19% | &nbsp;&nbsp; 146.44% |
| 80 | &nbsp;&nbsp; 138.82% | &nbsp;&nbsp; 136.60% |
| 85 | &nbsp;&nbsp; 130.10% | &nbsp;&nbsp; 128.37% |
| 90 | &nbsp;&nbsp; 121.52% | &nbsp;&nbsp; 121.42% |

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These death benefit factors are subject to change based on the issue date of your policy. Please refer to your policy and contact your John Hancock USA representative for the death benefit factors that are specific to your policy.

To the extent that the calculation of the minimum death benefit under the selected life insurance qualification test causes the death benefit to exceed our limits, we reserve the right to return premiums or to distribute a portion of the policy value so that the resulting amount of insurance is maintained within our limits. Alternatively, should we consider accepting the additional amount of insurance, we may require additional evidence of insurability.

**Calculation and payment of the death benefit.** We will ordinarily pay any death benefit within seven days after we receive the last required form or request and any other documentation that may be required. You may choose to receive proceeds from the policy as a single sum. If we do not have information about the desired manner of payment within seven days after the date we receive documentation of the last surviving insured person's death, we will pay the proceeds as a single sum. As permitted by state law and our current administrative procedures, death claim proceeds may be placed into an interest-bearing John Hancock retained asset account in the beneficiary's name. The interest earned in a John Hancock retained asset account is normally subject to income tax. You should consult with your tax advisor if you have any questions regarding taxation of the interest earned. We will provide the beneficiary with a checkbook, so checks may be written for all or a part of the proceeds. The retained asset account is part of our general account and is subject to the claims of our creditors. It is not a bank account and it is not insured by the FDIC. We may receive a benefit from managing proceeds held in a retained asset account. Alternatively, you can elect to have proceeds of $1,000 or more applied to any of the other payment options we may offer at the time. You cannot choose an option if the monthly payments under the option would be less than $50. We will issue a supplementary agreement when the proceeds are applied to any alternative payment option. That agreement will spell out terms of the option in full. Please contact our Service Office for more information.

**Changes you may make.** Subject to certain limitations and conditions, you may request a change from death benefit Option 2 to Option 1 or a reduction in your policy's Face Amount. However, you may not request a change from Option 1 to Option 2 or a Face Amount increase.

**Additional Information About Standard Death Benefits** 

**Requesting an increase or decrease in coverage.** You may not increase your Face Amount under the policy. However, if you request a change in your death benefit option from Option 2 to Option 1, it may result in an increase of the Face Amount.

After the first policy year, we may approve a reduction in the Face Amount, but only if the remaining Face Amount will be at least $50,000, and the remaining Face Amount will at least equal the minimum required by the tax laws to maintain the policy's life insurance status. A pro-rata portion of the Surrender Charge will be deducted from the policy value in instances where your requests for Face Amount reductions during the surrender charge period cumulatively exceed 10% of your Face

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Amount at issue. The pro-rata Surrender Charge is based on the amount by which the cumulative Face Amount reductions on the policy exceed 10% of your Face Amount at issue. An approved decrease will take effect on the monthly deduction date on or next following the date we approve the request.

**Change of death benefit option.** Under our current administrative rules, we permit the death benefit option to be changed from Option 2 to Option 1 after the first policy year. If you request in writing, and we approve a change from Option 2 to Option 1, your Face Amount after the change will equal your Face Amount before the change plus the policy value as of the effective date of the change. If you change from Option 2 to Option 1, your death benefit will change from one that may increase over time due to the investment experience of the variable investment accounts to one that is a level death benefit. Changing from Option 2 to Option 1 can also lower the monthly cost of insurance charge since this charge is lowered when the NAR is reduced; all other charges under the policy would remain the same. We reserve the right to limit a request for a change if the change would cause the policy to fail to qualify as life insurance for tax purposes.

The change will take effect on the monthly deduction date on or next following the date the written request for the change is received at our Service Office.

**Tax consequences of coverage changes.** A change in the death benefit option or Face Amount will often change the policy's limits under the Federal tax law test. To avoid having the policy cease to qualify as life insurance for tax purposes, we reserve the right to refuse or limit a change in the death benefit option or a reduction in Face Amount.

**Limitations on payment of death benefit.** If the insured person commits suicide within certain time periods (generally within two years from the Issue Date of the policy), the amount payable will be equal to the premiums paid, less the amount of any policy debt on the date of death, and less any withdrawals. Also if an application misstated the age or sex of the insured person, we will adjust, if necessary, the Face Amount and every other benefit to that which would have been purchased at the correct age or sex by the most recent cost of insurance charge.

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**Surrenders and Withdrawals** 

**Surrender and Withdrawal** 

You may surrender the policy in full at any time, in which case we will pay you the policy's full net cash surrender value and coverage under the policy and any riders and other benefits under the policy will cease. After the first policy year, you may take a withdrawal of part of your net cash surrender value once in each policy month, except that no withdrawals are permitted after the insured person has reached age 121. The amount of payment you will receive upon a surrender or withdrawal is based on values calculated as of the day we receive your request in good order or, if that is not a business day, on the next day that is. We generally pay that amount to you within seven days thereafter.

**Additional Information Regarding Surrender and Withdrawal** 

The surrender of the policy terminates the life insurance coverage and other policy benefits. If you surrender your policy, we will pay you the policy value less any policy debt and surrender charge that then applies. You must return your policy when you request a surrender.

With withdrawals, your policy value is automatically reduced by the amount of any withdrawal. Because it reduces the policy value, any withdrawal will reduce your death benefit under either Option 1 or Option 2. Under Option 1, such a withdrawal may also reduce the Face Amount.

Generally, each withdrawal must be at least $500. If the withdrawal results in a reduction in Face Amount, a charge equal to a pro-rata portion of any surrender charge will be applied during the surrender charge period. We will automatically reduce the policy value of your policy by the amount of the withdrawal. Unless otherwise specified by you, each variable investment account and any fixed account will be reduced in the same proportion as the policy value that is then allocated among them. We will not permit a withdrawal if it would cause your surrender value to fall below three months' worth of monthly deductions. We reserve the right to refuse any withdrawal that would cause the policy's Face Amount to fall below $50,000. If such a reduction in Face Amount would cause the policy to fail the Internal Revenue Code's ("Code") definition of life insurance, we will not permit the withdrawal.

Withdrawals may reduce the amount of Policy Value Credit and Asset Credit you receive over the long term. Withdrawals will also reduce the Death Benefit Protection Value; this means the Death Benefit Protection feature would be more likely to go into default.

**Cancellation Rights** 

You have the right to cancel your policy within ten days after you receive it (thirty days if your policy replaces another policy). The period may be different in some states. This is often referred to as the "free look" period. During this period, your premiums will be allocated as described in "General Description of the Policy - Allocation of Premiums." To cancel your policy, simply deliver or mail the policy to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• John Hancock USA at either of the addresses shown on the back cover of this prospectus, or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the John Hancock USA representative who delivered the policy to you.

The date of cancellation will be the date of such mailing or delivery. In most states, you will receive a refund of any premiums you've paid. In some states, the refund will be your policy value on the date of cancellation plus charges deducted. The state in which the policy is issued determines the period and type of refund that applies. See "Variations."

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**Loans** 

**Availability of Loans, Limitations and Interest** 

If your policy is in force and has sufficient policy value, you may borrow from it at any time before the insured person has reached age 121 by completing the appropriate form. We process policy loans as of the business day on or next following the day we receive the loan request. You can repay all or part of a loan at any time. Policy loans permanently affect the calculation of your policy value and may also result in adverse tax consequences. The amount of the outstanding loan (which includes accrued and unpaid interest) is subtracted from the amount otherwise payable when the policy proceeds become payable.

Generally, the minimum amount of each loan is $500. The maximum amount you can borrow is determined by a formula as described in your policy, but is generally the greater of (i) 90% of net cash surrender value and (ii) the net cash surrender value projected to the next policy anniversary, assuming interest earned at the guaranteed minimum fixed account rate and loan interest charged at the current effective annual rate.

Interest is charged on each loan. You can pay the interest or allow it to become part of the outstanding loan balance. The maximum effective annual interest rate we can charge for the loan account is 3.25% for policy years 1-10 and 2.25% for policy years 11 and thereafter. Accrued interest will be added to the loan daily and will bear interest at the same rate as the original loan amount.

The amount of the loan is placed in a special loan account as collateral for the loan. The minimum interest that the loan account will earn at any time is equal to the difference between the annual interest rate we charge for the loan minus the Maximum Loan Interest Credited Differential.

The Maximum Loan Interest Credited Differential is the difference between the annual interest rate we charge for the loan minus the interest rate we credit for the loan, however, it will never be greater than 2%. For example, if the annual interest rate we charge for a loan is 3%, we cannot credit interest at a rate less than 1% because the difference between the interest rate charged for the loan and the interest rate credited to the loan cannot be more than the Maximum Loan Interest Credited Differential, which is 2%.

**Effect of Loans on Cash Value and Death Benefit** 

Unless otherwise specified by you, the amount of the loan is deducted from the variable investment accounts and any fixed account in the same proportion as the policy value is then allocated among them.

Amounts in the loan account do not participate in the investment experience of the variable investment accounts or the fixed account, and therefore loans can affect the policy value and death benefit whether or not the loan is repaid. The policy value, the net cash surrender value, and any death benefit are permanently affected by any loan, whether or not it is repaid in whole or in part. This is because the variable investment accounts or any fixed account and the special loan account will generally have different rates of investment return.

**Other Effects of Loans** 

Taking a loan on the policy increases the risk that the policy may lapse because of the difference between the interest rate charged on the loan and the interest rate credited to the special loan account. When a loan is outstanding, the amount in the loan account is not available to help pay for any policy charges. If, after deducting your policy loan, there is not enough net cash surrender value to cover the policy charges, your policy could lapse. Also, whenever the outstanding loan equals or exceeds your policy value after the insured person reaches age 121, the policy will terminate 31 days after we have mailed notice of termination to you (and to any assignee of record at such assignee's last known address) specifying the amount that must be paid to avoid termination, unless a repayment of at least the amount specified is made within that period.

The tax consequences of a loan interest credited differential of 0% are unclear. You should consult a tax adviser before effecting a loan to evaluate possible tax consequences. If we determine that a loan will be treated as a distribution from your policy because of the differential between the loan interest rate and the rate being credited on the special loan account, we reserve the right to increase the rate charged on the loan to a rate that would, in our reasonable judgment, result in the transaction being treated as a loan under Federal tax law. The right to increase the rate charged on the loan is restricted in some states.

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**Loan Repayments** 

You can repay all or part of a loan at any time. Each repayment will be allocated among the accounts as set out below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The repayment will be applied to the policy value by transferring amounts from the loan account to the other accounts as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• First, an amount will be transferred to the fixed account that is equal to the remaining loan repayment multiplied by the ratio of the amount borrowed from the fixed account divided by the sum of the amounts borrowed from the fixed account and the variable investment accounts, if any.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The remainder of the repayment, if any, will be allocated among the accounts in the same way a new premium payment would be allocated (unless otherwise specified by you).

If you want a payment to be used as a loan repayment, you must include instructions to that effect. Otherwise, all payments will be assumed to be premium payments. We process loan repayments as of the day we receive the repayment. Loan repayments received prior to the close of the New York Stock Exchange ("NYSE") will be applied on the same day it was received. Loan repayments received after the close of the NYSE will be applied as of the next business day.

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**Other Benefits Available Under the Policy** 

In addition to the standard death benefits associated with your policy, other standard and/or optional benefits may also be available to you. The following tables summarize information about those benefits. Information about the fees associated with each benefit included in the tables may be found in the FEE TABLE. **Certain benefits may not be available through certain financial intermediaries. See APPENDIX: FINANCIAL INTERMEDIARY VARIATIONS for more information.** 

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| | | |
|:---|:---|:---|
| **STANDARD BENEFITS** | **STANDARD BENEFITS** | **STANDARD BENEFITS** |
| **Name of Benefit** | **Purpose** | &nbsp;&nbsp; **Brief Description of**<br> **Restrictions/Limitations**<br>|
| Dollar cost averaging | &nbsp;&nbsp; Under the dollar cost averaging program, you will <br> designate an amount that will be transferred <br> monthly from one variable investment account into <br> any other variable investment account or a fixed <br> account.<br>| &nbsp;&nbsp; We reserve the right to cease to offer this program <br> after written notice to you.<br>|
| Asset allocation balancing | &nbsp;&nbsp; Under the asset allocation balancer program, you <br> will designate a percentage allocation of policy <br> value among variable investment accounts. We will <br> automatically transfer amounts among the variable <br> investment accounts at intervals you select <br> (annually, semi-annually, quarterly, or monthly) to <br> reestablish your chosen allocation.<br>| &nbsp;&nbsp; We reserve the right to cease this program after <br> written notice to you.<br>|

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| | | |
|:---|:---|:---|
| **OPTIONAL BENEFITS** | **OPTIONAL BENEFITS** | **OPTIONAL BENEFITS** |
| **Name of Benefit** | **Purpose** | &nbsp;&nbsp; **Brief Description of**<br> **Restrictions/Limitations**<br>|
| Healthy Engagement <br> Rider\*<br>| &nbsp;&nbsp; Provides the opportunity to add credits to your <br> policy value based upon the insured person's <br> ongoing participation in activities that promote a <br> healthy lifestyle. The higher the insured person's <br> healthy engagement status category, and the more <br> years the insured person qualifies for higher status <br> categories, the larger your credits are likely to be. <br> The Healthy Engagement Rider also provides the <br> insured person with the possibility of other <br> benefits.<br>| &nbsp;&nbsp; The amount of any credit will be reduced (a) the <br> closer we are to charging the policy's maximum <br> cost of insurance rate or (b) at any time the policy's <br> death benefit exceeds the cap shown in your policy. <br> We have the right to change at any time the <br> qualification standards for status categories. Also, <br> we may change or terminate any other incentives.<br>|
| Healthy Engagement Core <br> Rider\*<br>| &nbsp;&nbsp; This program is designed to help improve the <br> longevity of the insured person by educating and <br> motivating the insured person to develop and <br> maintain a healthy lifestyle.<br>By participating in this program, the insured person <br> may receive discounts on certain goods and <br> services, educational resources, tools, or other <br> items that are designed to encourage learning and <br> participation in healthy activities.<br>| &nbsp;&nbsp; We reserve the right to amend aspects of the <br> program from time to time, including the Program <br> Rewards.<br>In order to participate in the program, the insured <br> person (i) must have attained Age 20, and (ii) must <br> not have elected the Healthy Engagement Rider.<br>|

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| | | |
|:---|:---|:---|
| **OPTIONAL BENEFITS** | **OPTIONAL BENEFITS** | **OPTIONAL BENEFITS** |
| **Name of Benefit** | **Purpose** | &nbsp;&nbsp; **Brief Description of**<br> **Restrictions/Limitations**<br>|
| Disability Payment of <br> Specified Premium <br> Rider\*<br>| &nbsp;&nbsp; Pays a specified amount of premium into the policy <br> value each month during the life insured person's <br> total disability.<br>| &nbsp;&nbsp; Total disability must begin between the policy <br> anniversaries nearest the insured person's 5th and <br> 65th birthdays and must be continuous for at least <br> six months.<br>We will not pay the specified premium under this <br> rider if: (1) the total disability results from an <br> intentional, self-inflicted injury or service in the <br> armed forces; or<br>(2) the total disability begins within 2 years after <br> the rider's Issue Date and results from an injury <br> sustained or a disease contracted before the rider's <br> Issue Date. The specified premium may be reduced <br> in the event of a reduction in Total Face Amount. <br> The specified premium paid under this rider may <br> not be sufficient to maintain the policy in force to <br> Age 121.<br>|
| Long Term Care Rider | &nbsp;&nbsp; Provides for periodic advance payments to you of a <br> portion of the death benefit if the insured person <br> becomes chronically ill as defined in the policy and <br> has received qualified long-term care service while <br> the policy is in force. If you elect this rider, you will <br> also have an option to apply to have a portion of the <br> policy's death benefit advanced to you in the event <br> of terminal illness.<br>| &nbsp;&nbsp; There is a maximum amount of death benefit that <br> we will advance for each month of qualification. <br> Each advance reduces the remaining death benefit <br> under your policy and causes a proportionate <br> reduction in your policy value. We restrict your <br> policy value's exposure to market risk when <br> benefits are paid under the Long-Term Care Rider <br> by transferring all policy value to the fixed account. <br> In addition, you will not be permitted to transfer <br> policy value or allocate any additional premium <br> payment to a variable investment account while <br> rider benefits are paid. There is a significant risk <br> that ownership of a policy with this rider by anyone <br> other than the insured person will cause adverse tax <br> consequences.<br>|
| Long Term Care Rider <br> 2018\*<br>| &nbsp;&nbsp; Provides for periodic advance payments to you of a <br> portion of the death benefit if the insured person <br> becomes chronically ill as defined in the policy and <br> has received qualified long-term care service while <br> the policy is in force. Rider benefits may also be <br> used to pay for Stay at Home Services.<br>| &nbsp;&nbsp; Each advance payment under the rider reduces the <br> remaining death benefit under your policy and <br> causes a proportionate reduction in your policy <br> value. We restrict your policy value's exposure to <br> market risk when benefits are paid under the Long-<br> Term Care Rider 2018 by transferring all policy <br> value to the fixed account. In addition, you will not <br> be permitted to transfer policy value or allocate any <br> additional premium payment to a variable <br> investment account while rider benefits are paid. <br> There is a significant risk that ownership of a <br> policy with this rider by anyone other than the <br> insured person will cause adverse tax <br> consequences.<br>|
| Accelerated Benefit Rider | &nbsp;&nbsp; Allows you to make a one-time request to <br> accelerate a portion of your death benefit should <br> the insured person become terminally ill and have a <br> life expectancy of one year or less.<br>| &nbsp;&nbsp; Payment of the benefit amount will reduce your <br> death benefit, cash value or loan value under your <br> policy. This rider is only available with policies that <br> are individually owned.<br>|

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| | | |
|:---|:---|:---|
| **OPTIONAL BENEFITS** | **OPTIONAL BENEFITS** | **OPTIONAL BENEFITS** |
| **Name of Benefit** | **Purpose** | &nbsp;&nbsp; **Brief Description of**<br> **Restrictions/Limitations**<br>|
| Critical Illness Benefit <br> Rider\*<br>| &nbsp;&nbsp; Pays the policy owner a one-time, lump sum benefit <br> amount if the insured person is diagnosed with <br> certain illnesses.<br>| &nbsp;&nbsp; If the insured person receives a first-time diagnosis <br> for one of the critical illnesses before the rider is in <br> force or during the rider's waiting period, then the <br> policy owner will not receive benefits under this <br> rider for that critical illness. Benefits paid under <br> this rider do not provide or pay for the cost of <br> medical care and are meant to be supplemental to <br> health insurance that does pay for such costs.<br>|
| Enhanced Death Benefit <br> Protection Rider<br>| &nbsp;&nbsp; To increase the protection afforded by the policy's <br> Death Benefit Protection feature, so that the policy <br> is even less likely to lapse due to insufficient net <br> cash surrender value.<br>| &nbsp;&nbsp; This rider cannot be added after issuance of the <br> policy. Nor can it be terminated prior to the policy's <br> termination.<br>|
| Accelerated Death Benefit <br> for Chronic Illness Rider\*<br>| &nbsp;&nbsp; Provides for periodic advance payments to you of a <br> portion of the death benefit if the insured person <br> becomes chronically ill as defined in the policy.<br>| &nbsp;&nbsp; Accelerations may be requested no more frequently <br> than once every 12 months. Each acceleration <br> under the rider reduces the remaining death benefit <br> under your policy and causes a proportionate <br> reduction in your policy value. Advance payments <br> are restricted to the annualized IRS per diem limit <br> under IRC Section 7702B.<br>|
| Defined Benefit Chronic <br> Illness Rider\*<br>| &nbsp;&nbsp; Provides for periodic advance payments to you of a <br> portion of the death benefit if the insured person <br> becomes chronically ill as defined in the policy.<br>| &nbsp;&nbsp; Each acceleration under the rider reduces the <br> remaining death benefit under your policy and <br> causes a proportionate reduction in your policy <br> value. We restrict your policy value's exposure to <br> market risk when benefits are paid under this rider <br> by transferring all policy value to the fixed account. <br> In addition, you will not be permitted to transfer <br> policy value or allocate any additional premium <br> payment to a variable investment account while <br> rider benefits are paid. If this rider is exercised, <br> death benefit option 1 must be in effect or, if not <br> already in effect, the death benefit option must be <br> changed to option 1. Advance payments are <br> restricted by the IRS per diem limit under IRC <br> Section 7702B.<br>|

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**\* See the Material State Variations table in the Variations section for any limitations of availability by state.**

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**More About Certain Optional Benefits** 

When you apply for a policy, you can request any of the optional supplementary benefit riders that we then make available. Availability of any rider, the benefits it provides and the charges for it may vary by state. See the Variations section for more information about certain restrictions based on state availability. Our rules and procedures will govern eligibility for any rider and, in some cases, the configuration of the actual rider benefits. Each rider contains specific details that you should review before you decide to choose the rider. Charges for most riders will be deducted from the policy value. We may change these charges (or the rates that determine them), but not above any applicable maximum amount stated in your policy specifications. We may add to, delete from or modify the list of optional supplementary benefit riders.

**• <u>Healthy Engagement Rider.</u>** Our Healthy Engagement Rider provides you with the opportunity to add credits (as described below) to your policy value based upon the insured's ongoing participation in activities that promote a healthy lifestyle. If you elect this rider, the insured person will qualify for one of four healthy engagement status ("status") categories each year. The status categories are based on the longevity benefits of certain healthy activities in which the insured person engages (such as regular checkups, biometric screenings, exercising regularly, participating in health educational programs, and periodically considering and answering certain health-related questions) and other health-related information about the insured person. The insured person's status category may change from year to year. (Current information relating to the insured person's status and/or the standards for determining status are available through our Service Office at 1-888-333-2659.)

Beginning in the second policy year, if the insured person has qualified for one of the three highest status categories, we will contribute a percentage of your policy's monthly cost of insurance charge in the form of a credit (a "Rider Credit") to your policy value, subject to the conditions mentioned below. Any Rider Credits will be allocated automatically to each variable investment account, or any fixed account from which, and in the same proportion as, we are taking your monthly deductions. The Healthy Engagement Rider also provides the insured person with the possibility of other benefits, including discounted wearable devices, gear used to engage in healthy activities, biometric screenings, access to health and fitness information, and other discounts and offers that depend on the insured person having a certain status. These and any other benefits available pursuant to the rider, are designed to encourage a high level of engagement by the insured person in activities that are correlated with improved longevity.

Under the Healthy Engagement Rider, several considerations are relevant to the percentage, if any, of any month's cost of insurance charge that we will contribute as a Rider Credit to your policy. One important consideration is the insured person's status category for the current year and for prior years. If the insured person has always been in the lowest status category, no Rider Credits will be paid. The higher the insured person's status category, and the more years the insured person qualifies for higher status categories, the larger your Rider Credits are likely to be.

Also, the Rider Credit that is contributed to your policy in any month will not be more than the factor identified in the rider multiplied by the difference between the maximum amount of cost of insurance charge that your policy permits us to deduct for that month and the amount of cost of insurance charge that we actually deduct for that month. This means that the amount of any Rider Credit will be less the closer we are to charging the maximum cost of insurance rate that the policy permits; and there will not be any Rider Credit if and when we are charging the maximum cost of insurance rate. **We will continue to deduct the Healthy Engagement Rider charge in instances where no Rider Credits are being earned and we are charging the maximum cost of insurance rate under the policy.** Although our ability to change the cost of insurance rate (subject to the maximum rate) can therefore affect whether and how much Rider Credit you may receive, no Rider Credits that we contributed to your policy value prior to such a change would be affected.

The amount of the Rider Credits that are contributed to your policy value in any month also will be reduced if the death benefit under your policy then exceeds the cap shown in your policy. In such cases, the reduction in any Rider Credit will be larger as the death benefit at the time of such credit exceeds such cap.

*Example:* Assume that your cost of insurance charge for a given month is $1000 and that the above-described percentage Rider Credit to which you are entitled for that month is 4%. Assume also that your policy's current cost of insurance rate and death benefit are at a level that neither of the above-mentioned limits based on those factors is applicable. In that case, your Rider Credit would be $40 [$1000 x 4%] for the month in question, which would result in your policy value being $40 higher than it would have been without that month's Rider Credit.

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The amount of any Rider Credit for a month in which the policy is in default will be applied first to pay any monthly deductions that are then due and unpaid and next to reduce the default payment, with any remaining amount then being contributed to your policy value in accordance with the allocation instructions then in effect for premium payments. The same procedure also will apply for any month in which the policy is being continued in force under its Death Benefit Protection provision, except that no amount will be applied to reduce a default payment.

We have the right to change at any time the qualification standards for status categories. Such changes will be based on our expectations of the impact of those standards on future mortality, policy persistency, our expenses, our capital and reserve requirements, and our taxes relating to the policies. Any such changes, however, will be determined prospectively on a basis that does not discriminate unfairly within any class of insured persons. If we change the qualification standards for a status level, it has an effect on the amount of Rider Credits you may earn for future months, but it will not affect the Rider Credits you have already earned. Also, we may change or terminate any other incentives (such as access to health and fitness information, offers, discounts, tools, or other services designed to encourage the insured to participate in activities that promote a healthy lifestyle) that we may make available from time to time to insured persons under the Healthy Engagement Rider.

If the Healthy Engagement Rider is still in effect on the later of the policy anniversary nearest the insured person's 80th birthday or the 10th policy anniversary, the rider charge will cease to be deducted, no new Rider Credits will be earned and all previously earned Rider Credits will continue to apply as provided in the rider. The availability to the insured person of certain benefits may cease when the rider charge ceases.

You may elect to discontinue the rider at any time by written notice to us. In that case, the same circumstances described above will apply.

If your policy terminates for any reason, the Healthy Engagement Rider also will terminate, although no Rider Credits that we contributed to your policy value prior to the termination will be affected.

Although the standards for determining a status category may be administered directly by us or through an affiliated or unaffiliated provider that we designate, any termination or change in such third-party provider will not terminate or modify the Healthy Engagement Rider or our obligations thereunder.

There may be costs associated with meeting the standards to qualify for a given status level that will not be reimbursed by John Hancock USA. Examples of such costs include, but are not limited to, health coverage co-pays, health club fees, athletic events, health equipment, health monitoring devices, and athletic attire.

**• <u>Critical Illness Benefit Rider.</u>** Our Critical Illness Benefit Rider is designed to pay the policy owner a one-time, lump sum benefit amount if the insured person is diagnosed for the first time with one of seven critical illnesses (as defined in the rider) ("Critical Illness") while this rider is in force and after the waiting period has been satisfied, subject to all policy and rider provisions. However, if the Insured receives a first -time diagnosis for one of the Critical Illnesses before the rider is in force or during the rider's waiting period, then the policy owner will not receive benefits under this rider for that Critical Illness. Benefits under this rider will not begin until we receive proof of the insured person's initial diagnosis of a Critical Illness. Once the Critical Illness Benefit Amount has been paid, this rider will terminate. The Critical Illness Benefit Amount is an amount that is separate from the death benefit and may be used for any purpose. The charge for this rider is deducted each month from the Policy Value. Deductions for the rider charge will impact your cash surrender value under the policy. *We will treat the monthly charges for the Critical Illness Rider as distributions from your life insurance policy for Federal tax purposes. In addition, please note that there is a risk that benefits received by certain third-party owners under this rider may have adverse tax consequence.* 

The Critical Illness Benefit Amount is determined at issue, shown in the policy specifications, and equal to your election of either 10% or 25% of the Total Face Amount, subject to a $250,000 maximum. Once issued, you cannot change your Critical Illness Benefit Amount. However, any policy change that results in a reduction in the Total Face Amount will reduce your Critical Illness Benefit Amount proportionally.

*Example:* Assume that you have chosen a Total Face Amount of $1,000,000 and a Critical Illness Benefit Percent of 10%. Assuming the Total Face Amount was never thereafter reduced, the Critical Illness Benefit Amount is $1,000,000 x 10% = $100,000. If you qualify and submit a claim prior to the insured person's date of death, this rider will pay the $100,000 as a one-time lump sum amount. However, that payment will not cause a reduction in any death benefit paid upon the insured person's death.

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If there is a reduction in the Total Face Amount, the new Critical Illness Benefit Amount will be equal to the lesser of (a) and (b), where:

&nbsp;&nbsp;&nbsp;&nbsp;(a) is the Critical Illness Benefit Percent, shown in the policy specifications, multiplied by the Total Face Amount immediately after reduction of the Total Face Amount; and

(b) is the Critical Illness Benefit Amount immediately before the reduction in Total Face Amount.

Any increases to the Total Face Amount will not result in a recalculation of the Critical Illness Benefit Amount.

Benefits under this rider do not reduce the Maximum Monthly Benefit Amount that is calculated under the Long- Term Care Benefit Rider.

Benefits paid under this rider do not provide or pay for the cost of medical care and are meant to be supplemental to health insurance that does pay for such costs. This rider is not a substitute for health insurance coverage, nor does it provide for supplemental coverage to Medicare. The benefits provided by this rider may not be coordinated with benefits provided by other coverage. Please review the benefits provided by this rider carefully to avoid possible duplication of coverage.

When this rider terminates, no further Rider Charge will be due and no Critical Illness Benefit Amount will be available.

**• <u>Disability Payment of Specified Premium Rider.</u>** This rider is designed to pay an amount of premium, referred to as the Specified Premium, into the policy value each month during the life insured's total disability. The Specified Premium is chosen at issue and shown in the policy specifications.

Total disability is a condition resulting from accidental bodily injury or disease which leaves the insured person (1) incapable of performing the duties of employment or (2) with total and irrecoverable loss of sight of both eyes or use of both hands, both feet or one hand and one foot. Before we will pay Specified Premium, we must receive due proof of the insured person's total disability, which must begin between the policy anniversaries nearest the insured person's 5th and 65th birthdays and must be continuous for at least six months.

Pursuant to the terms and conditions of this rider, we will continue to pay Specified Premium until (1) the insured person's total disability has ceased, (2) the insured person has died, (3) we have not received sufficient proof of continued total disability, or (4) the rider has terminated. However, if total disability begins on or after the policy anniversary nearest the insured person's 60th birthday, we will cease to pay Specified Premium on the earliest of the dates provided above and the day before the policy anniversary nearest the insured person's 65th birthday.

*Example:* Assume that you have chosen a monthly Specified Premium amount of $1,000 and there has not been any change in benefits since your policy was issued. If you qualify for and receive such Specified Premium payments for a 5-year period prior to the insured person's date of death, the total cumulative amount of premiums we will pay into the policy pursuant to this rider will be 60 months (i.e., 5 years) x $1,000 = $60,000. However, the amount of any death benefit paid upon the insured person's death will not be reduced as a result of these payments under the rider.

We will not pay the Specified Premium under this rider if: (1) the total disability results from an intentional, self- inflicted injury or service in the armed forces; or (2) the total disability begins within 2 years after the rider's Issue Date and results from an injury sustained or a disease contracted before the rider's issue date.

The Specified Premium may be reduced in the event of a reduction in Total Face Amount or a change in any rider benefits. We will notify you of any such reduction in the Specified Premium.

This rider will terminate at the earliest of (a) the date your policy terminates, (b) the date you request in writing to terminate this rider, or (c) the date of death of the insured person. However, if total disability begins on or after the policy anniversary nearest the insured person's 60th birthday, the rider will terminate on the earliest of the dates provided above and the policy anniversary nearest the insured person's 65th birthday.

**The Specified Premium paid under this rider may not be sufficient to maintain the policy in force to Age 121. Therefore, you may be required to pay premiums during the period of continuous total disability in order to maintain the policy in force.**

**• Long-Term Care Rider.** This rider provides for periodic advance payments to you of a portion of the death benefit if the insured person becomes "chronically ill" so that such person: (1) is unable to perform at least two activities of daily living without substantial human assistance or has a severe cognitive impairment; and (2) is receiving certain qualified services described in the rider. The decision to add this rider must be made at issuance of the policy. If you elect this rider, you will

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also have an option to apply to have a portion of the policy's death benefit advanced to you in the event of terminal illness. *Please note that there is a significant risk that ownership of a policy with this rider by anyone other than the insured will cause adverse tax consequences.* 

Benefits under the Long-Term Care Rider will not begin until we receive proof that the insured person qualifies and has received "qualified long-term care service," while the policy was in force. You must continue to submit evidence during the insured person's lifetime of the insured person's eligibility for rider benefits.

There is a maximum amount of death benefit that we will advance for each month of qualification. This amount, called the "Maximum Monthly Benefit Amount," is equal to the amount of the death benefit that may be accelerated under the rider (as of the day the insured qualifies for benefits) multiplied by the Monthly Acceleration Percentage, which is the percentage of the death benefit you can accelerate each month. The Monthly Acceleration Percentage must be elected when you apply for the policy and is stated in your policy specifications. The actual amount of any advance is based on the expense incurred by the insured person, up to the Maximum Monthly Benefit Amount, for each day of qualified long-term care service in a calendar month, as described in the rider. We will recalculate the Maximum Monthly Benefit Amount if you make a withdrawal of policy value, and for other events described in the rider. Each advance reduces the remaining death benefit under your policy and causes a proportionate reduction in your policy value. If you have any policy loan, we will use a pro-rata portion of each death benefit advance to repay indebtedness. For example, if current indebtedness is $10,000, the death benefit is $100,000, and the gross advance is $2,000, then the net advance would be $1,800 = $2,000 X (1 - ($10,000/ $100,000)). As a result of the advance, the indebtedness will be reduced by $200.

*Example:* Assume that your policy has a Total Face Amount of $1,000,000 and you have elected a Monthly Acceleration Percentage of 2%. The rider's Monthly Benefit Amount is $1,000,000 x 2% = $20,000. In such a case, if the monthly benefit has been paid for 24 months prior to the insured person's date of death, the total cumulative rider benefit paid will be 24 months x $20,000 = $480,000, then the amount of any death benefit we pay will be reduced by $480,000 and the death benefit paid would be $520,000.

We restrict your policy value's exposure to market risk when benefits are paid under the Long-Term Care Rider. We do this in several ways. First, before we begin paying any Monthly Benefit, we will transfer all policy value from the variable investment accounts to the fixed account. (The amount to be transferred will be determined on the business day immediately following the date we approve a request for benefits under the rider.) In addition, you will not be permitted to transfer policy value or allocate any additional premium payment to a variable investment account while rider benefits are paid. Your participation in any of the automatic investment plans will also be suspended during this period.

If the insured person no longer qualifies for rider benefits and your policy remains in force, you will be permitted to invest new premium payments in or transfer existing policy value to the variable investment accounts. (The restriction on transfers from the fixed account will continue to apply.)

Finally, please note that there is a significant risk that ownership of a policy with this rider by anyone other than the insured person will cause adverse tax consequences. If the owner of the policy is not the insured person, benefit payments may be included in the owner's income, and the death benefit may be part of the estate of the insured person for purposes of Federal estate tax.

**• Long-Term Care Rider 2018.** This rider provides for periodic advance payments to you of a portion of the death benefit if the insured person becomes "chronically ill" so that such person: (1) is unable to perform at least two activities of daily living without substantial human assistance or has a severe cognitive impairment; and (2) is receiving certain Qualified Long-Term Care Services defined in the rider. The decision to add this rider must be made at issuance of the policy.

*There is a significant risk that ownership of a policy with this rider by anyone other than the insured person will cause adverse tax consequences.* If the owner of the policy is not the insured person, benefit payments may be included in the owner's income, and the death benefit may be part of the estate of the insured person for purposes of Federal estate tax.

The maximum amount of death benefit that may be accelerated under this rider is the Accelerated Benefit Pool, which is equal to a percentage of the Total Face Amount at Issue. You can choose to accelerate between 1% and 100% of your death benefit.

Each advance payment under the rider reduces the remaining death benefit under your policy and causes a proportionate reduction in your policy value. If you have any policy loan, we will use a pro-rata portion of each death benefit advance to repay indebtedness. For example, if current indebtedness is $10,000, the death benefit is $100,000, and the gross advance is $2,000, then the net advance would be $1,800 = $2,000 X (1 - ($10,000/$100,000)). As a result of the advance, the indebtedness will be reduced by $200.

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When the insured person qualifies for benefits under this rider, we will determine the Maximum Monthly Benefit Amount, which is the portion of the Accelerated Benefit Pool that you can accelerate each month to pay for Qualified Long-Term Care Services. The Maximum Monthly Benefit Amount is equal to the Accelerated Benefit Pool multiplied by the Monthly Acceleration Percentage. You can choose a Monthly Acceleration Percentage which is equal to 1%, 2% or 4%. The Monthly Acceleration Percentage must be selected when you apply for the policy and cannot be changed. We will recalculate the Maximum Monthly Benefit Amount and the Accelerated Benefit Pool if you make a withdrawal of policy value, and for other events described in the rider.

*Example:* Assume that your policy has a Total Face Amount of $1,000,000 and you have elected an Accelerated Benefit Pool equal to 50% of your Total Face Amount at Issue and a Monthly Acceleration Percentage of 2%. The rider's Monthly Benefit Amount is $1,000,000 x 50% x 2% = $10,000. In such a case, if the monthly benefit has been paid for 24 months prior to the insured person's date of death, the total cumulative rider benefit paid will be 24 months x $10,000 = $240,000, then the amount of any death benefit we pay will be reduced by $240,000 and the death benefit paid would be $760,000.

Rider benefits may also be used to pay for Stay at Home Services. At the time we receive Receipts for Stay at Home Services, we will determine the Stay at Home Lifetime Benefit Amount, which is the maximum amount that you can accelerate from the Accelerated Benefit Pool over the life of the policy to pay for Stay at Home Services. The Stay at Home Lifetime Benefit Amount is set equal to the Maximum Monthly Benefit Amount (as described above) in effect on the date you submit Receipts for Stay at Home Services. Stay at Home Services and Receipts for Stay at Home Services are defined in the rider.

Once the Accelerated Benefit Pool is exhausted, the rider will terminate and you will no longer receive advance payments pursuant to the rider.

We restrict your policy value's exposure to market risk when benefits are being paid under this rider. We do this in several ways. First, before we begin paying any benefits under this rider, we will transfer all policy value from the variable investment accounts to the fixed account. (The amount to be transferred will be determined on the business day immediately following the date we approve a request for benefits under the rider.) In addition, you will not be permitted to transfer policy value or allocate any additional premium payment to a variable investment account while rider benefits are being paid. Your participation in any of the automatic investment plans will also be suspended during this period.

If the insured person no longer qualifies to receive periodic advance payments and your policy remains in force, you will be permitted to invest new premium payments in or transfer existing policy value to the variable investment accounts. (The restriction on transfers from the fixed account will continue to apply.)

**• <u>Accelerated Benefit Rider.</u>** This rider allows you to make a one-time request to accelerate a portion of your death benefit should the insured person become terminally ill and have a life expectancy of one year or less.

Before we can pay the benefit amount under this rider, the following conditions must be met: (1) you must provide us with written evidence satisfactory to us that that the insured person is terminally ill and has a life expectancy of one year or less, (2) we must receive a written consent of any assignee or any irrevocable beneficiary under the policy and (3) you must claim the benefit voluntarily and not as a way to satisfy a creditor's claim or for government benefits.

If you satisfy the above conditions, we will pay you up to 50% of the eligible death benefit, up to a maximum of $1,000,000 . You will receive your payment in one lump sum. You cannot make another claim under this rider after we have paid the benefit. We will not make a payment if it would be less than $10,000. If more than one policy owner makes a claim, we will pay the benefit in proportion to the amount of eligible death benefit each has .

*Example:* Assume that your policy's eligible death benefit is $1,000,000 and that you qualify for an accelerated benefit under this rider. If you elect to take the maximum accelerated benefit of 50%, the amount of such rider benefit will be $1,000,000 x 50% = $500,000. If you submit the claim prior to the insured person's date of death you will receive the $500,000 as a one-time lump sum amount, then the amount of any death benefit that is paid will be reduced by $500,000 plus interest and the death benefit paid will be $500,000 less applicable interest.

Payment of the benefit amount will reduce your death benefit, cash value or loan value under your policy. You should consult your tax adviser and social service agencies before you decide to receive the benefit under this rider. This rider is only available with policies that are individually owned.

**• <u>Healthy Engagement Core Rider.</u>** Our Healthy Engagement Core Rider provides the insured person with the opportunity to participate in our Healthy Engagement Core program. This program is designed to help improve the longevity of the insured person by educating and motivating the insured person to develop and maintain a healthy lifestyle.

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By participating in this program, the insured person may receive discounts on certain goods and services, educational resources, tools, or other items that are designed to encourage learning and participation in heathy activities (the "Program Rewards"). In no event will John Hancock USA use any medical or other information about the insured person, after the issue date, under the program to change a risk classification or as the sole basis to deny a request for reinstatement.

John Hancock USA reserves the right to amend aspects of the program from time to time, including the Program Rewards. The program may be administered by us or through an affiliated or unaffiliated company designated by us. John Hancock USA may designate or replace any such company at any time.

Participation in the program is voluntary and, while there are no policy level fees associated with this rider, there may be costs associated with participating in the program that will not be reimbursed by us. Examples of such costs include, but are not limited to, health coverage co-pays, health club fees, athletic event registration fees, health equipment, health monitoring devices, athletic attire, and online access fees. Participation in the program does not provide you with the opportunity to add credits to your policy nor will it affect your policy values.

In order to participate in this program, the insured person must have attained Age 20. An insured person may not participate in this program if the Healthy Engagement Rider under the policy has been elected. An insured person may elect to discontinue participation in the program at any time by written notice to us. If your policy terminates for any reason, the program will also terminate. An insured person may obtain current information about the program by visiting http://www.JohnHancockVitality.com/ or by calling 1(800)-732-5543.

**• <u>Accelerated Death Benefit for Chronic Illness Rider.</u>** This rider provides for periodic advance payments to you of a portion of the death benefit if the insured person becomes "chronically ill" so that such person is unable to perform at least two activities of daily living without substantial human assistance or has a severe cognitive impairment. The decision to add this rider must be made at issuance of the policy.

The maximum amount of death benefit that may be accelerated under this rider is the lesser of 75% of the policy's death benefit at the time of first acceleration or $1,000,000. Accelerations may be requested no more frequently than once every 12 months, until the maximum amount has been accelerated. Each acceleration under the rider reduces the remaining death benefit under your policy and causes a proportionate reduction in your policy value. Payments under this rider are restricted to the annualized IRS per diem limit under IRC Section 7702B. If the acceleration requested would result in a payment greater than the annualized IRS per diem limit, then the accelerated benefit amount will be reduced accordingly.

*Example:* Assume that your policy has a death benefit of $100,000 at the time that you request your first acceleration under this rider. If you elect to take the maximum accelerated benefit of 75%, the amount of such rider benefit will be $100,000 x 75% = $75,000. If you submit the claim prior to the insured person's date of death, you will receive $75,000, less actuarially-determined amounts to compensate us for (a) a portion of the policy's monthly deductions that otherwise would have been payable based on the insured person's life expectancy and (b) our cost (in the form of discounted interest) of making the payment sooner than we otherwise would, based on the insured person's life expectancy. The policy's death benefit will be reduced by $75,000.

If you have any policy loan, we will use a pro-rata portion of each death benefit advance to repay indebtedness. For example, if current indebtedness is $10,000, the death benefit is $100,000, and the gross acceleration is $75,000, then the indebtedness will be reduced by $7,500 = $10,000 x ($75,000/$100,000).

**• Defined Benefit Chronic Illness Rider.** This rider provides for periodic advance payments to you of a portion of the death benefit if the insured person becomes "chronically ill" so that such person is unable to perform at least two activities of daily living without substantial human assistance or has a severe cognitive impairment. The decision to add this rider must be made at issuance of the policy.

The maximum amount that may be accelerated under this rider will be selected at issue by the policyholder as a percentage of the policy's death benefit at the time of initial claim, and may not exceed $5,000,000. Once the maximum amount that may be accelerated is selected, the Monthly Acceleration Percentage will also be selected at issue as either 1%, 2%, or 4% of the chosen maximum amount. Once the insured person qualifies for benefits and initiates accelerations, monthly payments will continue until the insured person is no longer certified as chronically ill, or until the maximum amount has been accelerated at which point the rider will terminate. Each acceleration under the rider reduces the remaining death benefit under the policy

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and causes a proportionate reduction in the policy value. Payments under this rider are restricted to the IRS per diem limit under IRC Section 7702B. If the monthly payment amount would be greater than one twelfth of the annualized IRS per diem limit in a given calendar year, then the accelerated benefit amount will be reduced accordingly.

*Example:* Assume that your policy has a death benefit of $100,000 and you have elected to accelerate 50% as the maximum amount and a monthly percentage of 2%. The rider's monthly benefit amount is $100,000 x 50% x 2% = $1,000. In such a case, if the monthly benefit has been paid for 24 months prior to the insured person's date of death, the total cumulative rider benefit paid will be 24 months x $1,000 = $24,000, then the amount of any death benefit we pay will be reduced by $24,000 and the death benefit paid would be $76,000.If you have any policy loan, we will use a pro-rata portion of each death benefit advance to repay indebtedness. For example, if current indebtedness is $10,000, the death benefit is $100,000, and the gross acceleration is $1,000, then the indebtedness will be reduced by $100 = $10,000 x ($1,000/$100,000) and the net payment would be the remaining $900.

At the time of first acceleration, the policyholder may elect to receive an annualized benefit payment once per year instead of monthly payments. The amount of such annualized benefit payment will be equal to 12 times the monthly benefit payment that would otherwise be payable, less an actuarially-determined amount to compensate us for our cost (in the form of discounted interest) of making all 12 payments at the beginning of the year. The annualized benefit payment will not exceed the annualized IRS per diem limit for the calendar year. If annualized benefits are elected, payments will continue on an annual basis until the insured person is no longer certified as chronically ill, or until the maximum amount has been accelerated at which point the rider will terminate.

**We restrict your policy value's exposure to market risk when benefits are being paid under this rider.** At the time of first acceleration, we will automatically transfer all policy value you have in any variable investment account into our fixed account. Thereafter, so long as you receive payments under this benefit, no transfers of policy value or allocations of premium payments to a variable investment account will be allowed. Additionally, your participation in any of the automatic investment plans will also be suspended during this period.

**• <u>Enhanced Death Benefit Protection Rider.</u>** This rider increases the protection that the policy's Death Benefit Protection feature provides against lapse due to insufficient net cash surrender value. The rider does this by making the factors used to compute the rider's benefit more favorable to the policy owner.

*Example:* Assume a policy with no policy debt that had been issued without this rider. Assume further that, at some subsequent date, the Death Benefit Protection Value (DBPV) calculated for purposes of that policy's Death Benefit Protection feature is $0.00. Because the DBPV is $0.00, the Death Benefit Protection feature would cease to provide any further protection unless additional premiums were paid. However, if the policy had been issued with the Enhanced Death Benefit Protection Rider, the more favorable factors used in the calculation of the DBPV would result in a DBPV of greater than zero, so that the Death Benefit Protection feature would continue to provide protection against lapse for an additional period of time.

The policy's Death Benefit Protection feature is described more fully in "Premiums – Death Benefit Protection" above. If your priority is to extend the period for which the Death Benefit Protection feature will protect the policy, then you may wish to choose the Enhanced Death Benefit Protection Rider. If your priority is to minimize the cost of your policy, then you may wish to choose not to purchase the rider, in which case you will still have the degree of protection provided by the basic Death Benefit Protection feature.

This rider cannot be added after issuance of the policy. Nor can it be terminated prior to the policy's termination.

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**Taxes** 

**Tax Consequences of Owning a Policy** 

Tax consequences will vary based on your own particular circumstances, and for further information you should consult a qualified tax adviser. This material does not constitute tax or legal advice and neither John Hancock USA nor any of its agents, employees or registered representatives are in the business of offering such advice.

Federal, state and local tax laws, regulations and interpretations can change from time to time. As a result, the tax consequences to you and the beneficiary may be altered, in some cases retroactively. The policy may be used in various arrangements, including non-qualified deferred compensation or salary continuation plans, split dollar insurance plans, executive bonus plans, retiree medical benefit plans and others. The tax consequences of such plans may vary depending on the particular facts and circumstances of each individual arrangement. Therefore, if the value of using the policy in any such arrangement depends in part on the tax consequences, a qualified tax adviser should be consulted for advice.

Generally, death benefits paid under policies such as yours are not subject to income tax unless policy ownership has been transferred in exchange for payment. Earnings on your policy value are ordinarily not subject to income tax as long as we don't pay them out to you. If we do distribute any amount of your policy value, all or part of that distribution would generally be treated as a return of the premiums you've paid and not subjected to income tax. Any portion not treated as a return of your premiums would be includible in your income.

Distributions for tax purposes include amounts received upon surrender or partial withdrawals and may include the charges for certain supplementary benefit riders as described below. You may also be deemed to have received a distribution for tax purposes if you assign all or part of your policy rights or change your policy's ownership. Amounts you borrow are generally not taxable to you. If you use policy value to pay down a policy loan, the amount so applied will be treated as a distribution.

Please note that certain distributions associated with a reduction in death benefit or other policy benefits within the first fifteen years after issuance of the policy are ordinarily taxable in whole or in part.

Some of the tax rules change if your policy becomes a "modified endowment contract." This can happen if you've paid premiums in excess of limits prescribed by the tax laws. In that case, additional taxes and penalties may be payable for policy distributions of any kind, including loans.

We expect the policy to receive the same Federal income and estate tax treatment as fixed benefit life insurance policies. Section 7702 of the Internal Revenue Code (the "Code") defines a life insurance contract for Federal tax purposes. For a policy to be treated as a life insurance contract, it must satisfy either the cash value accumulation test or the guideline premium test. We will monitor compliance with these standards. If we determine that a policy does not satisfy the definition of life insurance under section 7702, we may take whatever steps are appropriate and reasonable to bring it into compliance with section 7702.

It is possible that, despite our monitoring, a policy might fail to qualify as a life insurance contract under section 7702 of the Code. This could happen, for example, if we inadvertently failed to return to you any premium payments that were in excess of amounts permitted under section 7702, or if any of the funds failed to meet certain investment diversification or other requirements of the Code. If this were to occur, you would be subject to income tax on the income credited to the policy from the date of issue to the date of the disqualification and for subsequent periods.

If the policy complies with section 7702, the death benefit proceeds under the policy ordinarily should be excludible from the beneficiary's gross income under section 101 of the Code. (As noted above, a transfer of the policy for valuable consideration may limit the exclusion of death benefits from the beneficiary's income.)

Tax consequences of ownership or receipt of policy proceeds under Federal, state and local estate, inheritance, gift and other tax laws will depend on the circumstances of each owner or beneficiary. If the person insured by the policy is also its owner, either directly or indirectly through an entity such as a revocable trust, the death benefit will be includible in his or her estate for purposes of the Federal estate tax. Even if ownership has been transferred, the death proceeds or the policy value may be includible in the former owner's estate if the transfer occurred less than three years before the former owner's death or if the former owner retained certain kinds of control over the policy. If the owner is not the person insured, the value of the policy will be includible in the owner's estate upon his or her death. You should consult your tax adviser regarding these possible tax consequences.

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Increases in policy value as a result of interest or investment experience will not be subject to Federal income tax unless and until values are received through actual or deemed distributions. In general, unless the policy is a modified endowment contract, the owner will be taxed only on the amount of distributions that exceed the premiums paid under the policy. An exception to this general rule occurs in the case of a decrease in the policy's death benefit or any other change that reduces benefits under the policy in the first fifteen years after the policy is issued and that results in a cash distribution to the policy owner. Changes that reduce benefits include partial withdrawals and reductions in face amount that result in a distribution that is required to keep the policy in compliance with section 7702. For purposes of this rule any distribution within the two years immediately before a reduction in benefits will also be treated as if it were a result of the reduction. A cash distribution that reduces policy benefits will be taxed in whole or in part (to the extent of any gain in the policy) under rules prescribed in section 72(e) of the Code. The taxable amount is subject to limits prescribed in section 7702(f)(7). Any taxable distribution will be ordinary income to the owner (rather than capital gain).

*Tax Consequences of Electing Certain Supplementary Benefit Riders* 

Long-Term Care Riders. If you have elected a Long-Term Care Rider or Long-Term Care Rider 2018, monthly deductions from policy value to pay the rider charges will reduce your investment in the contract but will not be included in income even if you have recovered all of your investment in the contract.

In addition, if you have elected a long-term care rider, the rider's benefits generally will be excludible from gross income under the Code. The tax-free nature of these accelerated benefits is contingent on the rider meeting specific requirements under section 101 and/or section 7702B of the Code. The riders are intended to meet these standards.

We caution you that there is a significant risk that ownership by anyone other than the person insured by the policy will cause adverse tax consequences. If the owner of the policy is not the insured person, benefit payments may be included in the owner's income, and the death benefit may be part of the insured person's estate for purposes of the Federal estate tax. A policy with a long-term care rider should not be purchased by or transferred to a person other than the insured person unless you have carefully reviewed the tax implications with your tax adviser.

**<u>Critical Illness Benefit Rider.</u>** If you have elected the Critical Illness Benefit Rider, we will treat the monthly charges for the rider as distributions from your life insurance policy for federal income tax purposes. Therefore, such charges may be includible in your taxable income if your policy is a modified endowment contract or if your investment in the contract has been reduced to zero. We anticipate that benefits paid under the Critical Illness Benefit Rider will generally be excludible from gross income under Code section 104(a)(3). However, the benefits may not qualify for this exclusion with certain third-party ownership arrangements. You should consult your tax adviser as to the income tax consequences to you.

**<u>Healthy Engagement Rider.</u>** If you have elected the Healthy Engagement Rider, we will treat the monthly charges for this rider as distributions from your life insurance policy for federal income tax purposes. Therefore, such charges may be includible in your taxable income if your policy is a modified endowment contract or if your investment in the contract has been reduced to zero.

For tax purposes, certain aspects of the Healthy Engagement Rider, such as gift cards and other cash equivalents, could be includible in the insured's taxable income. We expect to report to the Internal Revenue Service only those benefits we believe are taxable income. Taxable benefits will be reported to the Internal Revenue Service by us only if the value of such benefits received in a year is $2,000 or more. We do not expect that we will be required to report any free or discounted services or products that are available to the insured person under the Healthy Engagement Rider to the Internal Revenue Service on Form 1099. Nevertheless, you should consult your tax adviser as to the income tax consequences. Amounts that we do not report may nonetheless be includible in your taxable income.

**<u>Healthy Engagement Core Rider</u>** We do not expect that we will be required to report any free or discounted services or products that are available to the insured person under the Healthy Engagement Core Rider to the Internal Revenue Service on Form 1099. Nevertheless, you should consult your tax adviser as to the income tax consequences to you.

**<u>Accelerated Benefit Rider.</u>** If you have elected the Accelerated Benefit Rider, we intend for the rider's benefits to be excludible from gross income under Section 101 of the Code. Nevertheless, you should consult your tax adviser as to the income tax consequences to you.

**<u>Accelerated Death Benefit for Chronic Illness Rider.</u>** If you have elected the Accelerated Death Benefit for Chronic Illness Rider, the rider's benefits generally will be excludible from gross income under the Code. The tax-free nature of these accelerated benefits is contingent on the rider meeting specific requirements under section 101(g) of the Code. This rider is

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intended to meet these standards. However, there are circumstances when the rider benefit payment may be included in gross income. For example, this can happen if more than one payee received payments with respect to the same insured. You should seek additional information from your tax advisor before making a claim under this rider.

**<u>Defined Benefit Chronic Illness Rider.</u>** If you have elected the Defined Benefit Chronic Illness Rider, we will treat the monthly charges for the rider as distributions from your life insurance policy for federal income tax purposes. Therefore, such charges may be includible in your taxable income if your policy is a modified endowment contract or if your investment in the contract has been reduced to zero. In addition, the rider's benefits generally will be excludible from gross income under the Code. The tax-free nature of these accelerated benefits is contingent on the rider meeting specific requirements under section 101(g) of the Code. This rider is intended to meet these standards. However, there are circumstances when the rider benefit payment may be included in gross income. For example, this can happen if more than one payee received payments with respect to the same insured. You should seek additional information from your tax advisor before making a claim under this rider.

**Effect on the Company's Taxes** 

We are taxed as a life insurance company. Under current tax law rules, we include the investment income (exclusive of capital gains) of the Separate Account in our taxable income and take deductions for investment income credited to our policy holder reserves. We are also required to capitalize and amortize certain costs instead of deducting those costs when they are incurred. We do not currently charge the Separate Account for any resulting income tax costs, other than a charge we may impose against the Separate Account to compensate us for the cost of a delay in the deductibility of deferred acquisition costs (the "DAC tax" adjustment) pursuant to section 848 of the Code. We also claim certain tax credits or deductions relating to foreign taxes paid and dividends received by the series funds. These benefits can be material. We do not pass these benefits through to the Separate Account, principally because: (i) the deductions and credits are allowed to us and not the policy owners under applicable tax law; and (ii) the deductions and credits do not represent investment return on the Separate Account assets that is passed through to policy owners.

The policies permit us to deduct a charge for any taxes we incur that are attributable to the operation or existence of the policies or the Separate Account. Currently, we do not anticipate making any specific charge for such taxes other than any DAC tax charge and premium taxes where applicable. If the level of the current taxes increases, however, or is expected to increase in the future, we reserve the right to make a charge in the future.

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**Principal Risks of Investing in the Policy** 

**Lapse Risk** 

If the net cash surrender value is insufficient to pay the charges when due and the Death Benefit Protection feature is in default, your policy can terminate (i.e., "lapse"). For example, this can happen because you haven't paid enough premium, because the performance of the variable investment or fixed account options you've chosen has been poor, because the performance of the S&P 500 has been poor or because of a combination of all factors. Since withdrawals and policy charges reduce your policy value, these also increase the risk of lapse. Policy loans also increase the risk of lapse. There is no guarantee that your policy will not lapse even if you pay your planned premium.

**Investment Risk/Risk of Loss** 

The policy offers a number of variable investment accounts, as listed in the APPENDIX. The investment performance of any variable investment account may be good or bad, and you may lose money on amounts you invest in a policy. Your policy value will increase or decrease based on the investment performance of the variable investment accounts you've chosen. The variable investment accounts cover a broad spectrum of investment styles and strategies, some variable investment accounts are riskier than others. These risks (and potential rewards) are discussed in detail in the prospectuses of the portfolios. The death benefit may also increase or decrease with investment experience.

An investment in a policy is also subject to risks related to John Hancock USA, including that the obligations (including under the fixed account options), guarantees, or benefits are subject to the claims-paying ability of John Hancock USA. Information about John Hancock USA, including its financial strength ratings, is available upon request from your John Hancock USA representative. Our current financial strength ratings can also be obtained by contacting the Service Office at 1-800-732-5543.

**Transfer Risk** 

There is a risk that you will not be able to transfer your policy value from one variable investment account to another because of limitations on the dollar amount or frequency of transfers you can make. The limitations on transfers out of the fixed account are more restrictive than those that apply to transfers out of variable investment accounts. If you purchase certain supplementary benefit riders you will be subject to special transfer restrictions.

To discourage market timing and disruptive trading activity, we impose restrictions on transfers and reserve the right to change, suspend or terminate telephone, facsimile and internet transaction privileges. While we seek to identify and prevent disruptive trading activity, it may not always be possible to do so. Therefore, no assurance can be given that the restrictions we impose will be successful in preventing all disruptive trading and avoiding harm to long term investors.

**Early Surrender or Withdrawal Risk/Not a Short-Term Investment** 

This policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. There are surrender charges assessed if you surrender your policy in the first ten policy years. Depending on the policy value at the time you are considering surrender, there may be little or no surrender value payable to you.

**Tax Risks** 

In order for you to receive the tax benefits extended to life insurance under the Code, your policy must comply with certain requirements of the Code. We will monitor your policy for compliance with these requirements, but a policy might fail to qualify as life insurance in spite of our monitoring, which can have adverse tax consequences. If the policy were determined not to qualify as life insurance under the Code, you would be taxed on any income or gains those assets generate. In other words, you would lose the value of the so-called "tax-deferred inside build-up" that is a major benefit of life insurance.

There is a tax risk associated with policy loans. Although no part of a loan is treated as income to you when the loan is made unless your policy is a "modified endowment contract," surrender or lapse of the policy with a loan outstanding would result in the loan being treated as a distribution at the time of lapse or surrender. This could result in a considerable tax bill. Under certain circumstances involving large amounts of outstanding loans and an insured person of advanced age, you might find yourself having to choose between high premium requirements to keep your policy from lapsing and a significant tax burden if you allow the lapse to occur.

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Tax consequences of ownership or receipt of policy proceeds (including surrender or withdrawal proceeds) under Federal, state and local estate, inheritance, gift and other tax laws can vary greatly depending upon the circumstances of each owner or beneficiary. There can also be unfavorable tax consequences on such things as the change of policy ownership or assignment of ownership interests. For these and all the other reasons mentioned above, *we recommend you consult with a qualified tax adviser* before buying the policy and before exercising certain rights under the policy.

There are tax risks associated with the election of certain supplementary benefit riders (see *"Tax Consequences of Electing Certain Supplementary Benefit Riders"*).

**Cybersecurity Risks** 

Our business and operations are highly dependent upon the effective operation of our computer systems and those of our third-party business partners. As a result, there are potential operational and information security risks associated with attack, damage, or unauthorized access to the technologies and systems on which our business depends. These risks include, among other things, the unauthorized access, theft, loss, misuse, corruption, and destruction of data maintained online or digitally, denial of service on websites and other operational disruption, and unauthorized release of confidential customer information. Cyber-attacks affecting us, any third-party administrator, the underlying portfolios, intermediaries, and other affiliated or third-party service providers may adversely affect us and your policy value. For instance, cyber-attacks may interfere with the processing of actions taken on your policy, including the processing of transactions and orders from our website or with the underlying portfolios, impact our ability to calculate unit values or an underlying portfolio to calculate a net asset value, or cause the release and possible destruction of confidential customer or business information. Cybersecurity risks may also impact the issuers of securities in which the underlying portfolios invest, which may cause the portfolios underlying your policy to lose value. While measures have been implemented that are designed to reduce cybersecurity risks, there can be no guarantee or assurance that we, the underlying portfolios, or our service providers will not suffer losses affecting your policy due to cyber-attacks or information security breaches in the future.

**Additional Information Regarding the Policy** 

**Charges** 

Under the policies, we deduct the charges discussed immediately below under "Deductions from premium payments" and "Deductions from policy value." Although the Fee Table in this prospectus provides disclosure about the maximum rates we are permitted to charge, we currently deduct some of the charges at less than those maximum rates. As a general matter, however, we also are permitted to increase or decrease the rate at which we are deducting any charge, provided that the rate can never exceed the maximum set forth in your policy (including in any applicable supplementary benefit rider) and as disclosed in the Fee Table. By contacting the John Hancock USA Service Office or your John Hancock USA representative at any time, you can obtain information about the then-current rate of any charges that are applicable to your particular circumstances and/or obtain a personalized illustration that will demonstrate the manner in which those specific current charges impact the values under your policy.

**Deductions from premium payments.** 

**<u>Premium charge.</u>** A charge to help defray our sales costs and related taxes A maximum premium charge of 20% is deducted from all premiums paid in policy years 1-10. A maximum premium charge of 17% is deducted from all premiums paid in policy years 11 and thereafter. We will stop accepting premium payments at and after the insured person reaches age 121.

**Deductions from policy value.** 

**<u>Administrative charge.</u>** A monthly charge to help cover our administrative costs. This is a flat dollar charge of $15 per month that will cease at and after the insured person reaches age 121.

**<u>Face Amount charge.</u>** A monthly charge which primarily helps cover sales costs. To determine the charge we multiply the amount of Face Amount at issue by a rate that varies by the insured person's sex, age and risk classification at issue.

**<u>Cost of insurance charge.</u>** A monthly charge for the cost of insurance. Cost of insurance charges will cease at and after the insured person reaches age 121. To determine the charge, we multiply the NAR by a cost of insurance rate. The table in your policy will show the maximum cost of insurance rates. The cost of insurance rates that we currently apply are generally less

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than the maximum rates, and the current rates will never be more than the maximum rates shown in the policy. The amount that we are at risk is affected by the death benefit option selected (Option 1 vs. Option 2), the death benefit amount (including any minimum death benefit) and the policy value, which is affected by, among other things, premium payments, investment performance and charges. The cost of insurance rates we use will depend on a number of factors, including the insured person's age at issue, the insurance risk characteristics and (usually) sex of the insured person, and the length of time the policy has been in effect. The cost of insurance rate generally increases each year that you own your policy, as the insured person's age increases.

**<u>Asset-based risk charge.</u>** A monthly charge to help cover sales, administrative and other costs. The charge is a percentage of that portion of your policy value allocated to variable investment accounts. This charge does not apply to the current fixed account. We do not currently impose this charge but reserve the right to do so in the policy. Any charge would cease when the insured person reaches age 121.

**<u>Supplementary benefit rider charges.</u>** A charge for any supplementary insurance benefits added to the policy by means of a rider. Maximum Charges for the various riders are shown in the Fee Table above under "Transaction Fees" or "Periodic Charges Other than Annual Portfolio Expenses," as appropriate. These charges are also specified in the rider's provisions or the policy specifications. The charges that we currently apply to the Critical Illness Benefit Rider, and the Defined Benefit Chronic Illness Rider are less than the maximum charges and are subject to change; however, the current charges will never be more than the maximum charges shown. You can obtain information about the specific charges applicable to you from your John Hancock USA representative.

**<u>Advance Contribution Charge.</u>** A monthly charge to help offset the additional sales expense incurred by policies that have been over-funded with advance, excess premium payments and to compensate us for the increased risk of loss from these highly funded policies due to the Death Benefit Protection feature. The charge is determined by taking the excess (if any) of cumulative premiums paid over the Advance Contribution Limit multiplied by the number of years your policy has been in effect, and multiplying the result by the Advance Contribution Charge Rate for the current policy year, through policy year 10. After policy year 10, the charge will be zero. The Advance Contribution Limit is a notional amount of premium paid in a given policy year used to determine if the Advance Contribution Charge will apply. The Advance Contribution Charge Rates and Advance Contribution Limit vary depending upon the issue age, insurance risk characteristics and gender of the insured person. The Advance Contribution Charge Rates and the Advance Contribution Limit are identified in your Policy Specifications.

**<u>Loan interest charge.</u>** We will charge interest on any amount you borrow from your policy. The interest charged on any loan is an effective annual rate of 3.25% in the first ten policy years and 2.25% thereafter.

**<u>Transfer fee.</u>** We currently do not impose a fee upon transfers of policy value among the variable investment accounts, but reserve the right to impose a fee of up to $25 for any transfer beyond an annual limit (which would be 12 or more) to compensate us for the costs of processing these transfers.

**<u>Surrender charge.</u>** A charge we deduct within the first 10 policy years if the policy lapses, is surrendered, you take a withdrawal, or for reductions in Face Amount. For Face Amount reductions, the charge is assessed on the amount by which the cumulative reductions exceed 10% of the Face Amount at issue. We deduct this charge to compensate us primarily for sales expenses that we would otherwise not recover in the event of early lapse, withdrawal, surrender, or a reduction in Face Amount. The surrender charge amount is determined by a formula that is set out in your policy and is impacted by the insured person's age, sex, risk classification, Face Amount and policy duration. Under the formula, the surrender charge initially is a dollar amount that is set forth in the policy specifications and that, subject to certain downward adjustments specified in the formula, decreases each month until it becomes zero at the end of the tenth policy year.

**Charges at the portfolio level.** The portfolios must pay investment management fees and other operating expenses from portfolio assets. These fees and expenses are different for each portfolio and reduce the investment return of each portfolio. Therefore, they also indirectly reduce the return you will earn on any variable investment accounts you select. Expenses of the portfolios are not fixed or specified under the terms of the policy, and those expenses may vary from year to year. See <u>APPENDIX</u>.

**Additional Information About How Certain Policy Charges Work** 

The premium, surrender and Face Amount charges help to compensate us for the cost of selling our policies. The amount of the charges in any policy year does not specifically correspond to sales expenses for that year. We expect to recover our total sales expenses over the life of the policies. To the extent that the premium, surrender and Face Amount charges do not cover

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total sales expenses, the sales expenses may be recovered from other sources, including the asset-based risk charge and other charges with respect to the policies, or from our general assets. Similarly, administrative expenses not fully recovered by the administrative charge may also be recovered from such other sources. We also may make a profit from any charge and can use any such profits to defray any of our expenses under the policies or for any other proper corporate purpose.

Unless we agree otherwise or you do not have sufficient funds in any fixed account or variable investment accounts, we deduct the monthly deductions from your policy's variable investment accounts, and any fixed account in proportion to the amount of policy value you have in each of those accounts.

**Other Charges We Could Impose in the Future** 

Except for a portion of the premium charge, we currently make no specific charge for our Federal income taxes. However, if we incur, or expect to incur, income taxes attributable to any subaccount of the Separate Account or this class of policies in future years, we reserve the right to make a charge for such taxes. Any such charge would reduce what you earn on any affected accounts. However, we expect that no such charge will be necessary.

Under current laws, we may incur state and local taxes (in addition to premium taxes) in several states. At present, these taxes are not significant. If there is a material change in applicable state or local tax laws, we may make charges for such taxes.

Our right to increase any charge up to the maximum rate shown in the policy specifications applies to then outstanding policies, as well as to policies issued after the increase.

**Commissions Paid to Dealers** 

We pay compensation to broker-dealers for the promotion and sale of the policies, and for providing ongoing service in relation to policies that have already been purchased. We may also pay a limited number of broker- dealers commissions or overrides to "wholesale" the policies; that is, to provide marketing support and training services to the broker-dealer firms that do the actual selling. The compensation paid to broker-dealers may vary depending on the selling agreement. The compensation paid is not expected to exceed 145% of target premium paid in the first policy year, and 8% of target premium paid in years 2-10. Compensation paid on any premium in excess of target premium will not exceed 10% in any year. This compensation schedule is exclusive of additional compensation and revenue sharing and inclusive of overrides and expense allowances paid to broker-dealers for sale of the policies (not including riders). Under their own arrangements, broker-dealers determine how much of any amounts received from us is to be paid to their registered representatives.

To the extent permitted by SEC and Financial Industry Regulatory Authority ("FINRA") rules and other applicable laws and regulations, we may enter into special compensation or reimbursement arrangements ("revenue sharing"), either directly or through JH Distributors, with selected broker-dealers and other financial intermediaries. In consideration of these arrangements, a firm may feature our policy in its sales system, give us preferential access to sales staff, or allow JH Distributors or its affiliates to participate in conferences, seminars or other programs attended by the firm's sales force. We hope to benefit from these revenue sharing and other arrangements through increased sales of our policies.

Selling broker-dealers and other financial intermediaries may receive, directly or indirectly, additional payments in the form of cash, other compensation or reimbursement. These additional compensation or reimbursement arrangements may include, for example, payments in connection with the firm's "due diligence" examination of the policies, payments for providing conferences or seminars, sales or training programs for invited registered representatives and other employees, payment for travel expenses, including lodging, incurred by registered representatives and other employees for such seminars or training programs, seminars for the public or client seminars, advertising and sales campaigns regarding the policies, payments to assist a firm in connection with its systems, operations and marketing expenses and/or other events or activities sponsored by the firms. We may contribute to, as well as sponsor, various educational programs, sales promotions, and/or other contests in which participating firms and their sales persons may receive gifts and prizes such as merchandise, cash or other rewards as may be permitted under FINRA rules and other applicable laws and regulations.

You should contact your registered representative for more information on compensation arrangements in connection with your purchase of a policy. We provide additional information on special compensation or reimbursement arrangements involving broker-dealers and other financial intermediaries in the <u>Statement of Additional Information ("SAI")</u>.

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**Lapse and Reinstatement** 

**Lapse.** Unless the Death Benefit Protection feature is in effect, a policy will go into default if at the beginning of any policy month the policy's net cash surrender value would be zero or below after deducting the monthly deductions then due. Therefore, a policy could lapse eventually if increases in policy value (prior to deduction of policy charges) are not sufficient to cover policy charges. See "Premium Due Dates" above.

**Reinstatement.** By making a written request, you can reinstate a policy that has gone into default and terminated at any time within the three-year period following the date of termination subject to the following conditions:

a) You must provide to us evidence of the insured person's insurability that is satisfactory to us; and

&nbsp;&nbsp;&nbsp;&nbsp;b) You must pay the Default Payment. The Default Payment will be the lesser of (a) the amount necessary to bring the net cash surrender value to zero, if it is less than zero on the date of default, plus the amount necessary to keep the net cash surrender value above zero for the next three policy months and (b) the Death Benefit Protection Default Payment. See the "*Death Benefit Protection*" section for more information.

If the reinstatement is approved, the date of reinstatement will be the later of the date we approve your request or the date the required payment is received at our Service Office. In addition, any surrender charges will be reinstated to the amount they were at the date of default. The policy value on the date of reinstatement, prior to the crediting of any net premium paid in connection with the reinstatement, will be equal to the policy value on the date the policy terminated. Any policy debt not paid upon termination of a policy will be reinstated if the policy is reinstated.

Generally, the suicide exclusion and incontestability provisions will apply from the effective date of reinstatement. A surrendered policy cannot be reinstated.

**Variations** 

Insurance laws and regulations apply to us in every state in which our policies are sold. As a result, terms and conditions of your insurance coverage may vary depending on where you purchase a policy, and certain riders and options may not be available due to state insurance laws or restrictions in the state in which the policy is issued. A general summary of material state variations to the statements made in this prospectus is included below. Specific variations from the information appearing in this prospectus which are required due to insurance laws and regulations are contained in your policy, or in riders or endorsements attached to your policy. You should refer to your policy for these state specific features.

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| | | |
|:---|:---|:---|
| **MATERIAL STATE VARIATIONS** | **MATERIAL STATE VARIATIONS** | **MATERIAL STATE VARIATIONS** |
| **Policy Provisions** | **States with Variation** | **Description of Variations** |
| Free Look (amount of refund) | &nbsp;&nbsp; AK, AL, AR, AZ, CT, DC, DE, GA, HI, <br> IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, <br> MI, MN, MO, MS, MT, NC, ND, NE NH, <br> NJ, NM, NV, OH, OK, OR, PA, RI, SC, <br> TN, TX, UT, VA, VT, WA, WV and WY<br>| Return of premium |
| Free Look (amount of refund) | CA, SD CO, FL | &nbsp;&nbsp; Policy value at time of return plus charges <br> deducted<br>|
| Free Look (duration)<br> NOTE: Unless otherwise stated in the <br> columns to the right, the free-look period <br> duration is 30 days if your policy is a <br> replacement for another policy and 10 days <br> in all other cases. | CA | 30 days (age 60 + non-replacement |
| Free Look (duration)<br> NOTE: Unless otherwise stated in the <br> columns to the right, the free-look period <br> duration is 30 days if your policy is a <br> replacement for another policy and 10 days <br> in all other cases. | CO | 15 days (non-replacement) |
| Free Look (duration)<br> NOTE: Unless otherwise stated in the <br> columns to the right, the free-look period <br> duration is 30 days if your policy is a <br> replacement for another policy and 10 days <br> in all other cases. | DE | 20 days (replacement) |
| Free Look (duration)<br> NOTE: Unless otherwise stated in the <br> columns to the right, the free-look period <br> duration is 30 days if your policy is a <br> replacement for another policy and 10 days <br> in all other cases. | FL | &nbsp;&nbsp; 14 days (non-replacement and <br> replacement)<br>|
| Free Look (duration)<br> NOTE: Unless otherwise stated in the <br> columns to the right, the free-look period <br> duration is 30 days if your policy is a <br> replacement for another policy and 10 days <br> in all other cases. | ND | &nbsp;&nbsp; 20 days (non-replacement and <br> replacement)<br>|
| Free Look (duration)<br> NOTE: Unless otherwise stated in the <br> columns to the right, the free-look period <br> duration is 30 days if your policy is a <br> replacement for another policy and 10 days <br> in all other cases. | GU, SD | 10 days (replacement) |
| Critical Illness Benefit Rider | &nbsp;&nbsp; CT, GA, GU, ID, KS, MA, MS, MO, NH, <br> NJ, OH, PA, PR, TN, VA, and WA<br>| Not available |

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| | | |
|:---|:---|:---|
| **MATERIAL STATE VARIATIONS** | **MATERIAL STATE VARIATIONS** | **MATERIAL STATE VARIATIONS** |
| **Policy Provisions** | **States with Variation** | **Description of Variations** |
| Disability Payment of Specified Premium <br> Rider<br>| IN | &nbsp;&nbsp; Total disability must begin between policy <br> anniversary nearest the insured person's <br> 20th and 65th birthdays.<br>|
| Healthy Engagement Rider | GU, PR | Not available |
| Healthy Engagement Core Rider | GU, PR | Not available |
| Long Term Care Rider 2018 | CA, PR | Not available |
| Accelerated Death Benefit for Chronic <br> Illness Rider<br>| CA | Not available |
| Defined Benefit Chronic Illness Rider | CA | Not available |

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We may vary the charges and other terms of our policies where special circumstances result in sales or administrative expenses, mortality risks or other risks that are different from those normally associated with the policies, subject to the maximum charges described in this prospectus. For example, with respect to policies issued to a class of associated individuals or to a trustee, employer or similar entity where we anticipate that the sales to the members of the class will result in lower than normal sales or administrative expenses, lower taxes or lower risks to us, we may offer the policies with reduced charges or with additional or enhanced features or benefits. We will make these programs available in accordance with our established administrative procedures in effect at the time of the application for a policy. The factors we consider in determining the eligibility of a particular group for such a program are: (i) the nature of the association and its organizational framework; (ii) the method by which sales will be made to the members of the class; (iii) the facility with which premiums will be collected from the associated individuals and the association's capabilities with respect to administrative tasks; (iv) the anticipated lapse and surrender rates of the policies; (v) the size of the class of associated individuals and the number of years it has been in existence; (vi) the aggregate amount of premiums paid; and (vii) any other such circumstances which result in a reduction in sales or administrative expenses, lower taxes or lower risks. Any reduction in charges or feature or benefit enhancement will be reasonable and will apply uniformly to all prospective policy investors in the class and will not unfairly discriminate against any owner.

**Policy or Separate Account Changes** 

We reserve the right to make any changes in the policy necessary to ensure the policy is within the definition of life insurance under the Federal tax laws and is in compliance with any changes in Federal or state tax laws.

In our policies, we reserve the right to make certain changes if they would serve the best interests of policy owners or would be appropriate in carrying out the purposes of the policies. These changes include the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Changes necessary to comply with or obtain or continue exemptions under the Federal securities laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Adding or removing fixed accounts or variable investment accounts

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Combining variable investment accounts

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Closing the variable investment accounts to new allocations or transfers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Changes in the form of organization of any separate account

Any such changes will be made only to the extent permitted by applicable laws and only in the manner permitted by such laws. When required by law, we will obtain your approval of the changes and the approval of any appropriate regulatory authority.

We also reserve the right, subject to compliance with applicable law, including approval of owners if so required, (1) to transfer assets determined by John Hancock USA to be associated with the class of policies to which your policy belongs from the Separate Account to another separate account or subaccount, (2) to deregister the Separate Account under the 1940 Act, (3) to substitute for the fund shares held by a subaccount any other investment permitted by law, and (4) to take any action necessary to comply with or obtain any exemptions from the 1940 Act. Any such change will be made only if, in our judgment, the change would best serve the interests of owners of policies in your policy class or would be appropriate in

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carrying out the purposes of such policies. We would notify owners of any of the foregoing changes and to the extent legally required, obtain approval of affected owners and any regulatory body prior thereto. Such notice and approval, however, may not be legally required in all cases.

**When We Pay Policy Proceeds** 

We will ordinarily pay any death benefit, withdrawal, surrender value or loan within seven days after we receive the last required form or request (and, with respect to the death benefit, any other documentation that may be required). You may choose to receive proceeds from the policy as a single sum. If we do not have information about the desired manner of payment within seven days after the date we receive documentation of the insured person's death, we will pay the proceeds as a single sum. As permitted by state law and our current administrative procedures, death claim proceeds may be placed into an interest-bearing John Hancock retained asset account in the beneficiary's name. The interest earned in a John Hancock retained asset account is normally subject to income tax. You should consult with your tax advisor if you have any questions regarding taxation of the interest earned. We will provide the beneficiary with a checkbook, so checks may be written for all or a part of the proceeds. The retained asset account is part of our general account and is subject to the claims of our creditors. It is not a bank account and it is not insured by the FDIC. We may receive a benefit from managing proceeds held in a retained asset account. Alternatively, you can elect to have proceeds of $1,000 or more applied to any of the other payment options we may offer at the time. You cannot choose an option if the monthly payments under the option would be less than $50. We will issue a supplementary agreement when the proceeds are applied to any alternative payment option. That agreement will spell out terms of the option in full. Please contact our Service Office for more information.

We reserve the right to defer payment of that portion of your policy value that is attributable to a premium payment made by check for a reasonable period of time (not to exceed fifteen days) to allow the check to clear the banking system. We will not delay payment longer than necessary for us to verify a check has cleared the banking system.

We reserve the right to defer payment of any death benefit, loan or other distribution that is derived from a variable investment account if (1) the NYSE is closed (other than customary weekend and holiday closings) or trading on the NYSE is restricted; (2) an emergency exists, as determined by the SEC, as a result of which disposal of securities is not reasonably practicable or it is not reasonably practicable to fairly determine the policy value; or (3) the SEC by order permits the delay for the protection of owners. Transfers and allocations of policy value among the variable investment accounts may also be postponed under these circumstances. If we need to defer calculation of separate account values for any of the foregoing reasons, all delayed transactions will be processed at the next values that we do compute.

State laws allow us to defer payment of any portion of the net cash surrender value derived from the fixed account for up to six months. These laws were enacted many years ago to help insurance companies in the event of a liquidity crisis.

**Coverage at and After Age 121**

If the policy is still in effect on the policy anniversary nearest the 121st birthday of the insured person, the following things will happen (whether or not there is any net cash surrender value):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will stop any monthly deduction charges.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will stop accepting any premium payments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will no longer process withdrawals.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will continue to credit interest to a fixed account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will continue to charge loan interest on outstanding loans and accept loan repayments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Death Benefit Protection feature will be terminated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will no longer calculate and apply the Policy Value Credit or the Asset Credit to your policy value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will continue to allow any new loans.

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**General Description Of Registrant, Depositor And Portfolios** 

**Depositor** 

Your policy is issued by John Hancock Life Insurance Company (U.S.A.), 200 Berkeley St., Boston, MA 02116.

**Registrant** 

The "registrant" of the policies with the SEC is the John Hancock Life Insurance Company (U.S.A.) Separate Account A, a separate account operated by us under Michigan law (the "Separate Account"). Each subaccount of the Separate Account invests its assets in one of the portfolios shown in the <u>APPENDIX</u>.

The Separate Account's assets are our property. Each policy provides that amounts we hold in the Separate Account pursuant to the policies cannot be reached by any other persons who may have claims against us and can't be used to pay any obligations of John Hancock USA other than those arising out of policies that use the Separate Account. Income, gains and losses credited to, or charged against, the Separate Account reflect the Separate Account's own investment experience and not the investment experience of John Hancock USA's other assets. All obligations under the policies (including under any fixed account options), guarantees, or benefits are obligations of John Hancock USA and are subject to its claims paying ability.

We normally compute policy values for each business day as of the close of the NYSE on that day (usually 4:00 p.m. Eastern time). In case of emergency or other disruption resulting in the NYSE closing at a time other than the regularly scheduled close, the close of our business day may be the regularly scheduled close of the NYSE or another time permitted by the SEC and applicable regulations. Over time, the amount you've invested in any variable investment account will increase or decrease the same as if you had invested the same amount directly in the corresponding portfolio and had reinvested all of that portfolio's dividends and distributions in additional portfolio shares, except that we will deduct certain additional charges which will reduce your policy value. We describe these charges under "Charges at the portfolio level." For certain policy years, we also will apply Policy Value Credit and/or Asset Credit to your policy value.

**Portfolios** 

Information regarding each portfolio, including (i) its name; (ii) its investment objective; (iii) its investment adviser and any sub-investment adviser; (iv) current expenses; and (v) performance is available in the <u>APPENDIX</u> to this prospectus. Each portfolio has issued a prospectus that contains more detailed information about the portfolio. You can obtain the prospectus (hard copy or electronic) and additional information about any portfolio, at the addresses or phone number set forth in the first paragraph of the <u>APPENDIX</u>. On each business day, shares of each series are purchased or redeemed by us for each subaccount based on, among other things, the amount of net premiums allocated to the subaccount, distributions reinvested, and transfers to, from and among subaccounts, all to be effected as of that date. Such purchases and redemptions are effected at each series fund's net asset value per share determined for that same date. A "business day" is any date on which the NYSE is open for trading.

We will purchase and redeem series fund shares for the Separate Account at their net asset value without any sales or redemption charges. Shares of a series fund represent an interest in one of the funds of the series fund which corresponds to a subaccount of the Separate Account. Any dividend or capital gains distributions received by the Separate Account will be reinvested in shares of that same fund at their net asset value as of the dates paid. We normally calculate the unit values for each variable investment account once every business day as of the close of that day, usually 4:00 p.m. Eastern time. Sales and redemptions within any variable investment account will be transacted using the unit value calculated as follows after we receive your request either in writing or other form that we specify. If we receive your request before the close of our business day, we'll use the unit value calculated as of the end of that business day. If we receive your request at or after the close of our business day, we'll use the unit value calculated as of the end of the next business day. If a scheduled transaction falls on a day that is not a business day, we'll process it as of the end of the next business day.

**Voting Portfolio Shares** 

We will vote all portfolio shares that we hold in the Separate Account for policy owners in proportion to instructions timely received by us from policy owners from all our Separate Accounts that are registered with the SEC under the 1940 Act. We will vote all portfolio shares that we otherwise are entitled to vote (including our own shares and other shares for which we receive no instructions) on any matter in proportion to the instructions timely received by us and any affiliated insurance

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companies with respect to the matter from policy owners in separate accounts of these insurance companies that are registered with the SEC under the 1940 Act. The effect of this proportional voting is that a small number of policy owners can determine the outcome of a vote. The voting privileges described above reflect our understanding of applicable Federal securities law requirements. To the extent that applicable law, regulations or interpretations change to eliminate or restrict the need for such voting privileges, we reserve the right to proceed in accordance with any such revised requirements.

We will determine the number of portfolio shares for which voting instructions may be given not more than 90 days prior to the meeting. Proxy material will be distributed to each person having the voting interest under the policy together with appropriate forms for giving voting instructions.

We determine the number of a portfolio's shares held in a subaccount attributable to each owner by dividing the amount of a policy's variable investment account value held in the subaccount by the net asset value of one share in the series fund. Fractional votes will be counted. We determine the number of shares as to which the owner may give instructions as of the record date for a series fund's meeting. Owners of policies may give instructions regarding the election of the Board of Trustees or Board of Directors of a series fund, ratification of the selection of independent auditors, approval of series fund investment advisory agreements and other matters requiring a shareholder vote.

**Legal Proceedings** 

There are no legal proceedings to which the Depositor, the Separate Account or the principal underwriter is a party or to which the assets of the Separate Account are subject that are likely to have a material adverse effect on the Separate Account or the ability of the principal underwriter to perform its contract with the Separate Account or of the Depositor to meet its obligations under the policy.

**Financial Statements** 

The financial statements of the Separate Account, as well as the consolidated financial statements of John Hancock USA are in the SAI. The financial statements of John Hancock USA have relevance for the policies only to the extent that they bear upon its ability to meet its obligations under the policies. You may request an SAI by contacting our Service Office at a phone number or address shown on the back cover of this prospectus.

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**Appendix: FINANCIAL INTERMEDIARY VARIATIONS** 

This Appendix describes potential variations in the availability of investment options, benefits, and/or other features of the policy described in this prospectus which may apply depending on the broker-dealer or financial intermediary through which the policy is sold.

Certain broker-dealers or financial intermediaries may impose, limit, or endorse specific investment options or features without our knowledge. For example, your investment professional may choose not to recommend a particular investment option or policy feature because of a decision by the investment professional's firm not to offer that investment option or policy feature to any of its clients. Additionally, some broker-dealers or financial intermediaries may not endorse—though not prohibit—certain options or features for any of their clients. We will identify any material financial intermediary variation that is known or reasonably available to us without unreasonable effort or expense.

At this time, we are not aware of any material variations or deviations in the offering or administration of the policies by any financial intermediaries. However, given the breadth of our distribution network, the particular terms of agreements with distribution partners, and frequency of updates and changes made to our investment options, we cannot obtain information about every financial intermediary variation—if any exist—that is not known or reasonably available to us without unreasonable effort or expense.

**You should discuss with your investment professional any limitations, restrictions, or other variations related to the investment options, benefits, and/or other features available to you through your investment professional or financial intermediary. If you have questions about any investment options, benefits, and/or other features of this policy, contact our Service Office.**

FI Appendix

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**Appendix: Portfolios Available Under The Policy** 

The following is a list of portfolios available under the policies. More information about the portfolios is available in the prospectuses for the portfolios, which may be amended from time to time. You can find the prospectuses and other information about the portfolios at dfinview.com/JohnHancock/PUFT/PVUL2026. You can also request this information at no cost by calling 1-800-732-5543 or by sending an email request to life_and_annuities_prospectuses@jhancock.com.

The current expenses and performance information below reflect fees and expenses of the portfolios, but do not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each portfolio's past performance is not necessarily an indication of future performance.

**Certain portfolios may not be available through certain financial intermediaries. See APPENDIX: FINANCIAL INTERMEDIARY VARIATIONS for more information.** 

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** |
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **1-Year** | **5-Year** | **10-Year** |
| To approximate the aggregate total return <br> of a broad-based U.S. domestic equity <br> market index.<br>| 500 Index Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.25%<sup>\*</sup> <br>| 17.57 | 14.12 | 14.52 |
| To seek income and capital appreciation. | Active Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.65%<sup>\*</sup> <br>| &nbsp;&nbsp; 7.56 | &nbsp;&nbsp; 0.09 | &nbsp;&nbsp; 2.67 |
| To seek to provide high total return <br> (including income and capital gains) <br> consistent with preservation of capital <br> over the long term.<br>| American Asset Allocation Trust - Series <br> I<br>Capital Research and Management <br> Company (Adviser to the Master Fund, <br> American Fund Insurance Series)<br>| 0.91%<sup>\*</sup> <br>| 15.39 | &nbsp;&nbsp; 8.57 | &nbsp;&nbsp; 9.37 |
| To seek to provide long-term growth of <br> capital.<br>| American Global Growth Trust - Series I<br>Capital Research and Management <br> Company (Adviser to the Master Fund, <br> American Fund Insurance Series)<br>| 1.07%<sup>\*</sup> <br>| 21.17 | &nbsp;&nbsp; 7.81 | 11.74 |
| To seek to provide growth of capital. | American Growth Trust - Series I<br>Capital Research and Management <br> Company (Adviser to the Master Fund, <br> American Fund Insurance Series)<br>| 0.95%<sup>\*</sup> <br>| 19.81 | 12.95 | 17.53 |
| To seek to provide long-term growth of <br> capital and income.<br>| American Growth-Income Trust - Series I<br>Capital Research and Management <br> Company (Adviser to the Master Fund, <br> American Fund Insurance Series)<br>| 0.91% | 17.65 | 13.48 | 13.50 |
| To provide long-term growth of capital. <br> Current income is a secondary objective.<br>| Blue Chip Growth Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*T. Rowe Price Associates, Inc.*<br>| 0.75%<sup>\*</sup> <br>| 18.57 | 11.76 | 15.62 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** |
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **1-Year** | **5-Year** | **10-Year** |
| To seek long-term capital appreciation. | Capital Appreciation Value Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*T. Rowe Price Associates, Inc.*<br>| 0.88%<sup>\*</sup> <br>| 11.62 | &nbsp;&nbsp; 9.11 | 10.95 |
| To seek total return consisting of income <br> and capital appreciation.<br>| Core Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Allspring Global Investments, LLC*<br>| 0.62%<sup>\*</sup> <br>| &nbsp;&nbsp; 7.03 | -0.52 | &nbsp;&nbsp; 1.96 |
| To seek long-term capital appreciation. | Disciplined Value Emerging Markets <br> Equity Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Boston Partners Global Investors,* <br> *Inc.*<br>| 0.91%<sup>\*</sup> <br>| 32.00 | &nbsp;&nbsp; 7.83 | &nbsp;&nbsp; 8.56 |
| To seek long-term growth of capital. | Disciplined Value International Trust - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Boston Partners Global Investors,* <br> *Inc.*<br>| 0.79% | 41.02 | 12.70 | &nbsp;&nbsp; 8.97 |
| To provide substantial dividend income <br> and also long-term growth of capital.<br>| Equity Income Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*T. Rowe Price Associates, Inc.*<br>| 0.73%<sup>\*</sup> <br>| 14.42 | 11.15 | 10.52 |
| To seek growth of capital. | Financial Industries Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.88%<sup>\*</sup> <br>| 12.11 | 11.49 | 10.60 |
| To seek long-term growth of capital. | Fundamental All Cap Core Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.71%<sup>\*</sup> <br>| &nbsp;&nbsp; 4.84 | 11.79 | 13.80 |
| To seek long-term capital appreciation. | Fundamental Large Cap Value Trust - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.72%<sup>\*</sup> <br>| 16.01 | 14.96 | 12.64 |
| To seek long-term capital appreciation. | Global Equity Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.88%<sup>\*</sup> <br>| 18.20 | 10.17 | &nbsp;&nbsp; 8.39 |
| To seek long-term capital appreciation. | Health Sciences Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*T. Rowe Price Associates, Inc.*<br>| 0.99%<sup>\*</sup> <br>| 19.53 | &nbsp;&nbsp; 4.19 | &nbsp;&nbsp; 8.75 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** |
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **1-Year** | **5-Year** | **10-Year** |
| The fund seeks high current income. <br> Capital appreciation is a secondary goal.<br>| High Yield Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.69%<sup>\*</sup> <br>| &nbsp;&nbsp; 7.45 | &nbsp;&nbsp; 4.02 | &nbsp;&nbsp; 6.14 |
| To seek to track the performance of a <br> broad-based equity index of foreign <br> companies primarily in developed <br> countries and, to a lesser extent, in <br> emerging markets.<br>| International Equity Index Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*SSGA Funds Management, Inc.*<br>| 0.34%<sup>\*</sup> <br>| 32.57 | &nbsp;&nbsp; 7.68 | &nbsp;&nbsp; 8.33 |
| To seek long-term capital appreciation. | International Small Company Trust - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Dimensional Fund Advisors LP*<br>| 1.01%<sup>\*</sup> <br>| 35.01 | &nbsp;&nbsp; 8.04 | &nbsp;&nbsp; 7.85 |
| To provide a high level of current income <br> consistent with the maintenance of <br> principal and liquidity.<br>| Investment Quality Bond Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Wellington Management Company* <br> *LLP*<br>| 0.72%<sup>\*</sup> <br>| &nbsp;&nbsp; 6.94 | -0.44 | &nbsp;&nbsp; 2.41 |
| To seek a balance between a high level of <br> current income and growth of capital, <br> with a greater emphasis on growth of <br> capital.<br>| Lifestyle Balanced Portfolio - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.74%<sup>\*</sup> <br>| 14.06 | &nbsp;&nbsp; 5.49 | &nbsp;&nbsp; 7.07 |
| To seek a high level of current income <br> with some consideration given to growth <br> of capital.<br>| Lifestyle Conservative Portfolio - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.71%<sup>\*</sup> <br>| 10.07 | &nbsp;&nbsp; 2.02 | &nbsp;&nbsp; 4.20 |
| To seek long-term growth of capital. <br> Current income is also a consideration.<br>| Lifestyle Growth Portfolio - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.76%<sup>\*</sup> <br>| 16.84 | &nbsp;&nbsp; 7.86 | &nbsp;&nbsp; 8.96 |
| To seek a balance between a high level of <br> current income and growth of capital, <br> with a greater emphasis on income.<br>| Lifestyle Moderate Portfolio - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.73%<sup>\*</sup> <br>| 12.69 | &nbsp;&nbsp; 4.30 | &nbsp;&nbsp; 6.10 |
| To seek growth of capital and current <br> income while seeking to both manage the <br> volatility of return and limit the <br> magnitude of portfolio losses.<br>| Managed Volatility Balanced Portfolio - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.87% | &nbsp;&nbsp; 9.87 | &nbsp;&nbsp; 4.69 | &nbsp;&nbsp; 5.58 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** |
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **1-Year** | **5-Year** | **10-Year** |
| To seek current income and growth of <br> capital, while seeking to both manage the <br> volatility of return and limit the <br> magnitude of portfolio losses.<br>| Managed Volatility Conservative Portfolio <br> - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.85% | &nbsp;&nbsp; 8.91 | &nbsp;&nbsp; 1.00 | &nbsp;&nbsp; 3.14 |
| To seek long term growth of capital while <br> seeking to both manage the volatility of <br> return and limit the magnitude of <br> portfolio losses.<br>| Managed Volatility Growth Portfolio - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.91% | 10.89 | &nbsp;&nbsp; 6.32 | &nbsp;&nbsp; 6.28 |
| To seek current income and growth of <br> capital while seeking to both manage the <br> volatility of return and limit the <br> magnitude of portfolio losses.<br>| Managed Volatility Moderate Portfolio - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.87% | &nbsp;&nbsp; 9.34 | &nbsp;&nbsp; 3.78 | &nbsp;&nbsp; 5.11 |
| To seek long-term growth of capital. | Mid Cap Growth Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Wellington Management Company* <br> *LLP*<br>| 0.88%<sup>\*</sup> <br>| &nbsp;&nbsp; 6.17 | &nbsp;&nbsp; 1.36 | 11.75 |
| Seeks to approximate the aggregate total <br> return of a mid cap U.S. domestic equity <br> market index.<br>| Mid Cap Index Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.41%<sup>\*</sup> <br>| &nbsp;&nbsp; 7.03 | &nbsp;&nbsp; 8.68 | 10.29 |
| To seek long-term capital appreciation. | Mid Value Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*T. Rowe Price Associates, Inc.*<br>| 0.98%<sup>\*</sup> <br>| &nbsp;&nbsp; 5.87 | 11.69 | 10.91 |
| To obtain maximum current income <br> consistent with preservation of principal <br> and liquidity.<br>| Money Market Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.28%<sup>\*</sup> <br>| &nbsp;&nbsp; 4.07 | &nbsp;&nbsp; 3.03 | &nbsp;&nbsp; 1.97 |
| To seek maximum total return, consistent <br> with preservation of capital and prudent <br> investment management.<br>| Opportunistic Fixed Income Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Wellington Management Company* <br> *LLP*<br>| 0.92%<sup>\*</sup> <br>| &nbsp;&nbsp; 9.60 | &nbsp;&nbsp; 0.62 | &nbsp;&nbsp; 3.25 |
| To seek to achieve a combination of long-<br> term capital appreciation and current <br> income.<br>| Real Estate Securities Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Wellington Management Company* <br> *LLP*<br>| 0.76%<sup>\*</sup> <br>| &nbsp;&nbsp; 0.63 | &nbsp;&nbsp; 5.77 | &nbsp;&nbsp; 5.91 |

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| | | | | |
|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** |
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **1-Year** | **5-Year** | **10-Year** |
| To seek long-term growth of capital. <br> Current income is incidental to the fund's <br> objective.<br>| Science & Technology Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*T. Rowe Price Associates, Inc.*<br>0.99%<sup>\*</sup> <br>| 23.64 | 13.03 | 19.84 |
| To seek income and capital appreciation. | Select Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.60%<sup>\*</sup> <br>| &nbsp;&nbsp; 7.52 | -0.27 | &nbsp;&nbsp; 2.26 |
| To seek a high level of current income <br> consistent with preservation of capital. <br> Maintaining a stable share price is a <br> secondary goal.<br>| Short Term Government Income Trust - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.65%<sup>\*</sup> <br>| &nbsp;&nbsp; 5.09 | &nbsp;&nbsp; 0.67 | &nbsp;&nbsp; 1.25 |
| To seek long-term capital appreciation. | Small Cap Core Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.90%<sup>\*</sup> <br>| &nbsp;&nbsp; 0.11 | &nbsp;&nbsp; 6.53 | &nbsp;&nbsp; 6.10 |
| Seeks to approximate the aggregate total <br> return of a small cap U.S. domestic equity <br> market index.<br>| Small Cap Index Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.48%<sup>\*</sup> <br>| 12.42 | &nbsp;&nbsp; 5.72 | &nbsp;&nbsp; 9.24 |
| To seek long-term capital appreciation. | Small Cap Opportunities Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Dimensional Fund Advisors LP*<br>0.87%<sup>\*</sup> <br>| &nbsp;&nbsp; 9.22 | 10.59 | 10.09 |
| To seek long-term capital appreciation. | Small Cap Stock Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Wellington Management Company* <br> *LLP*<br>1.08%<sup>\*</sup> <br>| 12.70 | &nbsp;&nbsp; 0.39 | 10.12 |
| To seek long-term growth of capital. | Small Company Value Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*T. Rowe Price Associates, Inc.*<br>1.16%<sup>\*</sup> <br>| &nbsp;&nbsp; 7.11 | &nbsp;&nbsp; 6.02 | &nbsp;&nbsp; 8.98 |
| To seek a high level of current income. | Strategic Income Opportunities Trust - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.74%<sup>\*</sup> <br>| &nbsp;&nbsp; 7.51 | &nbsp;&nbsp; 1.61 | &nbsp;&nbsp; 3.26 |
| To seek to track the performance of the <br> Bloomberg U.S. Aggregate Bond Index <br> (the "Bloomberg Index") (which <br> represents the U.S. investment grade bond <br> market).<br>| Total Bond Market Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.25%<sup>\*</sup> <br>| &nbsp;&nbsp; 6.91 | -0.65 | &nbsp;&nbsp; 1.75 |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** |
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **1-Year** | **5-Year** | **10-Year** |
| Seeks to approximate the aggregate total <br> return of a broad U.S. domestic equity <br> market index.<br>| Total Stock Market Index Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.51%<sup>\*</sup> <br>| 16.68 | 12.42 | 13.73 |
| To seek long-term growth of capital. | U.S. Growth Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Wellington Management Company* <br> *LLP*<br>0.62%<sup>\*</sup> <br>| 20.76 | 11.77 | 17.13 |
| The fund seeks a high level of current <br> income consistent with the maintenance <br> of liquidity and the preservation of <br> capital.<br>| Ultra Short Term Bond Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.62%<sup>\*</sup> <br>| &nbsp;&nbsp; 4.34 | &nbsp;&nbsp; 2.52 | &nbsp;&nbsp; 2.01 |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Investment Objective** | **Current**<br> **Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** |
| **Investment Objective** | **Current**<br> **Expenses** | **1-Year** | **5-Year** | **10-Year** |
| To seek to provide capital appreciation.<br> TOPS<sup>®</sup> Aggressive ETF - Class 2<br>ValMark Advisers, Inc./*Milliman* <br> *Financial Risk Management, LLC*<br>| 0.54% | 18.83 | 9.41 | 10.43 |
| To seek to provide income and capital <br> appreciation.<br>TOPS<sup>®</sup> Balanced ETF - Class 2<br>ValMark Advisers, Inc./*Milliman* <br> *Financial Risk Management, LLC*<br>| 0.54% | 12.85 | 5.52 | &nbsp;&nbsp; 6.39 |
| To seek to preserve capital and provide <br> moderate income and moderate capital <br> appreciation.<br>TOPS<sup>®</sup> Conservative ETF - Class 2<br>ValMark Advisers, Inc./*Milliman* <br> *Financial Risk Management, LLC*<br>| 0.56% | 10.15 | 4.34 | &nbsp;&nbsp; 4.99 |
| To seek to provide capital appreciation.<br> TOPS<sup>®</sup> Moderate ETF - Class 2<br>ValMark Advisers, Inc./*Milliman* <br> *Financial Risk Management, LLC*<br>| 0.53% | 15.13 | 6.92 | &nbsp;&nbsp; 7.99 |
| To seek to provide capital appreciation.<br> TOPS<sup>®</sup> Moderately Aggressive ETF - <br> Class 2<br>ValMark Advisers, Inc./*Milliman* <br> *Financial Risk Management, LLC*<br>| 0.54% | 17.99 | 8.56 | &nbsp;&nbsp; 9.53 |

---

*\* This portfolio's annual expenses reflect temporary fee or expense waivers or reimbursements.*

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **<u>JOHN HANCOCK USA SERVICE OFFICE</u>** | **<u>JOHN HANCOCK USA SERVICE OFFICE</u>** |
| **<u>Overnight Express Delivery</u>** | **<u>Mail Delivery</u>** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Life Post Issue <br> John Hancock Insurance Company <br> 372 University Ave, Suite #55979 <br> Westwood, MA 02090<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Life Post Issue <br> John Hancock Insurance Company<br> PO Box 55979<br> Boston, MA 02205<br>|
| **<u>Phone:</u>** |  |
| 1-800-732-5543 |  |

---

In addition to this prospectus, John Hancock USA has filed with the SEC an SAI that contains additional information about John Hancock USA and the Separate Account, including information on our history, services provided to the Separate Account, and the audited financial statements for John Hancock USA and the Separate Account. The SAI is incorporated by reference into this prospectus and personalized illustrations of death benefits, policy values and surrender values are available, without charge, upon request. You may obtain the personalized illustrations from your John Hancock USA representative. You can view the SAI and other information about your Policy at dfinview.com/JohnHancock/PUFT/PVUL2026. The SAI may also be obtained, without charge, by contacting the John Hancock USA Service Office. You should also contact the John Hancock USA Service Office to request any other information about your policy or to make any inquiries about its operation.

Reports and other information about the Separate Account are available on the SEC's Internet website at **http://www.sec.gov**. Copies of such information may be obtained, upon payment of a duplicating fee, by submitting an electronic request to the following email address: publicinfo@sec.gov.

1940 Act File No. 811-4834—1933 Act File No. 333-293456 <br>EDGAR Contract Identifier No. C000274247

------

Statement of Additional Information <br>dated May 26, 2026

for interests in

John Hancock Life Insurance Company (U.S.A.) Separate Account A <br>(Name of Registrant)

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) <br>("John Hancock USA") <br>(Name of Depositor)

This is a Statement of Additional Information ("SAI") relating to the following variable universal life insurance policies issued by John Hancock USA and providing for allocation of premiums and policy values to the John Hancock Life Insurance Company (U.S.A.) Separate Account A:

---

| |
|:---|
| **Name of Policy (and SEC EDGAR Identifier #)** |
| Protection Variable Universal Life 2026 (C000274247) |

---

This Statement of Additional Information is not the prospectus. The prospectus, dated the same date as this SAI, may be obtained from a John Hancock USA representative or by contacting our Service Office by mail at Life Post Issue, John Hancock Insurance Company, PO Box 55979, Boston, MA 02205, or telephone at 1-800-732-5543.

**Table Of Contents** 

---

| | |
|:---|:---|
|  | **Page No.** |
| **[General Information and History](#xx_95970895-d8ed-4a78-b5df-c16a0fd260ab_1)** | 2 |
| *[Depositor](#xx_95970895-d8ed-4a78-b5df-c16a0fd260ab_1)* | 2 |
| *[Registrant](#xx_95970895-d8ed-4a78-b5df-c16a0fd260ab_1)* | 2 |
| **[Services](#xx_95970895-d8ed-4a78-b5df-c16a0fd260ab_1)** | 2 |
| **[Underwriters](#xx_95970895-d8ed-4a78-b5df-c16a0fd260ab_1)** | 2 |
| *[Principal Underwriter](#xx_95970895-d8ed-4a78-b5df-c16a0fd260ab_1)* | 2 |
| *[Offering and Commissions](#xx_95970895-d8ed-4a78-b5df-c16a0fd260ab_1)* | 2 |
| *[Other Payments](#xx_95970895-d8ed-4a78-b5df-c16a0fd260ab_2)* | 3 |
| **[Additional Information](#xx_95970895-d8ed-4a78-b5df-c16a0fd260ab_2)** | 3 |
| *[Sales Load](#xx_95970895-d8ed-4a78-b5df-c16a0fd260ab_2)* | 3 |
| *[Underwriting Procedures](#xx_95970895-d8ed-4a78-b5df-c16a0fd260ab_2)* | 3 |
| **[Financial statements](#xx_95970895-d8ed-4a78-b5df-c16a0fd260ab_2)** | 3 |

---

------

**General Information and History** 

*Depositor* 

Under the Federal securities laws, the entity responsible for organization of the registered separate account underlying the variable life insurance policy is known as the "Depositor." John Hancock USA ("Depositor") is a stock life insurance company organized under the laws of Maine on August 20, 1955 by a special act of the Maine legislature and redomesticated under the laws of Michigan. The Depositor is a licensed life insurance company in the District of Columbia and all states of the United States except New York. Until 2004, the Depositor was known as The Manufacturers Life Insurance Company (U.S.A.). The Depositor's ultimate parent is Manulife Financial Corporation ("MFC"), a publicly traded company based in Toronto, Canada. MFC is the holding company of The Manufacturers Life Insurance Company and its subsidiaries, collectively known as Manulife Financial.

*Registrant* 

Under the Federal securities laws, the registered separate account underlying the variable life insurance policy is known as the "Registrant." John Hancock Life Insurance Company (U.S.A.) Separate Account A (the "Registrant" or "Separate Account"), is a separate account established by the Depositor under Michigan law on December 4, 2001. The Separate Account meets the definition of "separate account" under the Federal securities laws and is registered as a unit investment trust under the Investment Company Act of 1940 ("1940 Act"). Such registration does not involve supervision by the Securities and Exchange Commission ("SEC") of the management of the Separate Account or of the Depositor.

Separate Account A's subaccounts are made available as the variable investment accounts under variable life insurance and variable universal life insurance policies issued by John Hancock USA. New subaccounts may be added and made available to policy owners from time to time. Existing subaccounts may be modified or deleted at any time.

**Services** 

Administration of policies issued by the Depositor and of registered separate accounts organized by the Depositor may be provided by other affiliates. Neither the Depositor nor the separate accounts are assessed any charges for such services.

Custodianship and depository services for the Registrant are provided by State Street Investment Services ("State Street"). State Street's address is State Street Financial Center, One Lincoln Street, Boston, Massachusetts, 02111.

Audit services are provided by Ernst & Young LLP, independent registered public accounting firm. Ernst & Young LLP's address is 200 Clarendon Street, Boston, Massachusetts, 02116.

**Underwriters** 

*Principal Underwriter* 

John Hancock Distributors LLC ("JH Distributors"), a Delaware limited liability company wholly owned by John Hancock Life Insurance Company (U.S.A.), is the principal distributor and underwriter of the securities offered through the prospectus. JH Distributors acts as the principal distributor of a number of other life insurance and annuity products we and our affiliates offer or maintain. JH Distributors also acts as the principal underwriter of John Hancock Variable Insurance Trust (the "Trust"), whose securities are used to fund certain variable investment options under the policies and under other life insurance and annuity products we offer or maintain.

JH Distributors' principal address is 200 Berkeley Street, Boston, MA 02116. JH Distributors is a broker-dealer registered under the Securities Act of 1934 (the "1934 Act") and is a member of the Financial Industry Regulatory Authority ("FINRA").

*Offering and Commissions* 

We offer the policies for sale, on a continuous basis, through individuals who are licensed as insurance agents and who are registered representatives of broker-dealers that have entered into selling agreements with JH Distributors.

The aggregate dollar amount of underwriting commissions paid to JH Distributors by the Depositor and its affiliates in connection with the sale of variable life products in 2025, 2024, and 2023, was $185,390,596, $133,941,360, and $100,002,438, respectively. JH Distributors did not retain any of these amounts during such periods.

------

The registered representative through whom your policy is sold will be compensated pursuant to the registered representative's own arrangement with his or her broker-dealer. Compensation to broker-dealers for the promotion and sale of the policies is not paid directly by policy owners but will be recouped through the fees and charges imposed under the policy.

*Other Payments* 

Additional compensation and revenue sharing arrangements may be offered to certain broker-dealer firms and other financial intermediaries. The terms of such arrangements may differ among firms we select based on various factors. In general, the arrangements involve three types of payments or any combination thereof:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fixed dollar payments: The amount of these payments varies widely. JH Distributors may, for example, make one or more payments in connection with a firm's conferences, seminars or training programs, seminars for the public, advertising and sales campaigns regarding the policies, to assist a firm in connection with its systems, operations and marketing expenses, or for other activities of a selling firm or wholesaler. JH Distributors may make these payments upon the initiation of a relationship with a firm, and at any time thereafter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Payments based upon sales: These payments are based upon a percentage of the total amount of money received, or anticipated to be received, for sales through a firm of some or all of the insurance products that we and/or our affiliates offer. JH Distributors makes these payments on a periodic basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Payments based upon "assets under management": These payments are based upon a percentage of the policy value of some or all of our (and/or our affiliates') insurance products that were sold through the firm. JH Distributors makes these payments on a periodic basis.

**Additional Information** 

*Sales Load* 

We expect to recover our total sales expenses over the life of the policies through policy charges, including the premium, surrender and face amount charges. The amount of the charges in any policy year does not specifically correspond to sales expenses for that year, and to the extent that the premium, surrender and face amount charges do not cover total sales expenses, the sales expenses may be recovered from other sources, including the asset-based risk charge and other charges with respect to the policies, or from our general assets.

*Underwriting Procedures* 

A policy will not be issued until the underwriting process has been completed to our satisfaction. The underwriting process generally includes the obtaining of information concerning the insured person's age, medical history, occupation and other personal information. This information is then used to determine the cost of insurance charge.

**Financial statements** 

The statutory-basis financial statements of John Hancock Life Insurance Company (U.S.A.) as of December 31, 2025 and 2024, and for each of the three years in the period ended December 31, 2025, [<u>incorporated in this SAI by reference to report</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312526156874/d866987dnvpfs.htm)[<u>on Form N-VPFS</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312526156874/d866987dnvpfs.htm) filed April 15, 2026, have been audited by Ernst & Young LLP, independent auditors, as set forth in their report thereon, and are incorporated by reference in reliance upon such report given on the authority of such firm as experts in auditing and accounting.

The financial statements of JOHN HANCOCK LIFE INSURANCE CO (USA) SEPARATE ACCOUNT A (File No. 811-04834) as of December 31, 2025, and for the two years in the period then ended, [<u>incorporated in this SAI by reference to</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312526156874/d866987dnvpfs.htm)[<u>report on Form N-VPFS</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312526156874/d866987dnvpfs.htm) filed April 15, 2026, have been audited by Ernst & Young LLP, independent registered public accounting firm, as set forth in their report thereon, and are incorporated by reference in reliance upon such report given on the authority of such firm as experts in auditing and accounting.

------

**PART C** <br>**OTHER INFORMATION** 

*Item 30. Exhibits* 

The following exhibits are filed as part of this Registration Statement:

[<u>(a) Resolution of Board of Directors establishing Separate Account A is incorporated by reference to post-effective</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312510096066/dex9926a.htm)[<u>amendment number 1, file number 333-157212, filed with the Commission on April 28, 2010.</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312510096066/dex9926a.htm)

(b) Not applicable.

[<u>(c) (1) Distribution Agreement and Servicing Agreement between John Hancock Distributors and John Hancock Life</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312509074601/dex9926c1.htm)[<u>Insurance Company (U.S.A.) dated February 17, 2009, incorporated by reference to pre-effective amendment number 1, file</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312509074601/dex9926c1.htm)[<u>number 333-157212, filed with the Commission on April 7, 2009.</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312509074601/dex9926c1.htm)

[<u>(2)(a) Specimen General Agent and Broker-Dealer Selling Agreement by and among John Hancock Life Insurance Company</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312511109819/dex9926c2a.htm)[<u>(U.S.A.) and John Hancock Distributors LLC effective August, 2009, incorporated by reference to pre-effective amendment</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312511109819/dex9926c2a.htm)[<u>number 2, file number 333-157212, filed with the Commission on April 26, 2011.</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312511109819/dex9926c2a.htm)

[<u>(b) List of third party broker-dealer firms included as Attachment A, incorporated by reference to Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312526166570/d97407dex99302b.htm)[<u>No. 4, File No. 333-266659, filed with the Commission on April 21, 2026.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312526166570/d97407dex99302b.htm)

[<u>(d)(1) Specimen Flexible Premium Variable Universal Life Insurance policy, filed herewith.</u>](d54846dex9930d1.htm)

[<u>(2) Specimen Acceleration of Death Benefit for Qualified Long-Term Care Services Rider 2005, incorporated by reference to</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d2.htm)[<u>Form N-6, file number 333-266659, filed with the Commission on August 8, 2022.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d2.htm)

[<u>(3) Specimen Healthy Engagement Rider, incorporated by reference to Form N-6, file number 333-266659, filed with the</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d3.htm)[<u>Commission on August 8, 2022.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d3.htm)

[<u>(4) Specimen Accelerated Benefit Rider, incorporated by reference to Form N-6, file number 333-266659, filed with the</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d4.htm)[<u>Commission on August 8, 2022.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d4.htm)

[<u>(5) Specimen Healthy Engagement Core Rider, incorporated by reference to Form N-6, file number 333-266659, filed with</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d5.htm)[<u>the Commission on August 8, 2022.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d5.htm)

[<u>(6) Specimen Disability Payment of Specified Premium Rider, incorporated by reference to Form N-6, file number 333-266659,</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d6.htm)[<u>filed with the Commission on August 8, 2022.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d6.htm)

[<u>(7) Specimen Critical Illness Benefit Rider, incorporated by reference to Form N-6, file number 333-266659, filed with the</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d7.htm)[<u>Commission on August 8, 2022.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d7.htm)

[<u>(8) Specimen Acceleration of Death Benefit for Qualified Long-Term Care Services Rider 2018, incorporated by reference to</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d8.htm)[<u>Form N-6, file number 333-266659, filed with the Commission on August 8, 2022.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d8.htm)

[<u>(9) Specimen Death Benefit Protection Rider, incorporated by reference to Form N-6, file number 333-266659, filed with the</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d9.htm)[<u>Commission on August 8, 2022.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d9.htm)

[<u>(10) Specimen Enhanced Death Benefit Protection Rider, incorporated by reference to Form N-6, file number 333-266659,</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d10.htm)[<u>filed with the Commission on August 8, 2022.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d10.htm)

[<u>(11) Specimen Accelerated Death Benefit for Chronic Illness Rider, incorporated by reference to Form N-6, file number</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d11.htm)[<u>333-266659, filed with the Commission on August 8, 2022.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522214996/d388270dex9930d11.htm)

[<u>(12) Specimen Defined Benefit Chronic Illness Rider, incorporated by reference to Form N-6, file number 333-266659, filed</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522303540/d400991dex9930d12.htm)[<u>with the Commission on December 13, 2022.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522303540/d400991dex9930d12.htm)

[<u>(e) Specimen policy application, filed herewith.</u>](d54846dex9930e.htm)

[<u>(f) (1) Restated Articles of Redomestication of the John Hancock Life Insurance Company (U.S.A.) (formerly, The</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927f1.txt)[<u>Manufacturers Life Insurance Company (U.S.A.)) dated December 30, 1992, incorporated by reference to post-effective</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927f1.txt)[<u>amendment number 9, file number 333-85284, filed with the Commission on April 30, 2007.</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927f1.txt)

[<u>(a) Amendment to the Articles of Redomestication of John Hancock Life Insurance Company (U.S.A.) (formerly, The</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927f1a.txt)[<u>Manufacturers Life Insurance Company (U.S.A.)) dated July 16, 2004, incorporated by reference to pre-effective amendment</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927f1a.txt)[<u>number 1, file number 333-126668, filed with the Commission on October 12, 2005.</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927f1a.txt)

[<u>(b) Amendment to the Articles of Redomestication effective January 1, 2005, incorporated by reference to post-effective</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927f1b.txt)[<u>amendment number 9, file number 333-85284, filed with the Commission on April 30, 2007.</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927f1b.txt)

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

[<u>(c) Amended and Restated Articles of Redomestication and Articles of Incorporation of John Hancock Life Insurance</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312513170649/d480972dex9926f1c.htm)[<u>Company (U.S.A.) dated July 26, 2010, and further amended as of November 20, 2012,</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312513170649/d480972dex9926f1c.htm)[<u>incorporated by reference to post-effective</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312513170649/d480972dex9926f1c.htm)[<u>amendment number 1, file number 333-179570, filed with the Commission on April 24, 2013.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312513170649/d480972dex9926f1c.htm)

[<u>(2) By-laws of John Hancock Life Insurance Company (U.S.A.) (formerly, The Manufacturers Life Insurance Company</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927f2.txt)[<u>(U.S.A.)) dated December 2, 1992, incorporated by reference to pre-effective amendment number 1, file number 333-126668,</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927f2.txt)[<u>filed with the Commission on October 12, 2005.</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927f2.txt)

[<u>(a) Amendment to the By-laws of John Hancock Life Insurance Company (U.S.A.) (formerly, The Manufacturers Life</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927f2a.txt)[<u>Insurance Company (U.S.A.)) dated June 7, 2000, incorporated by reference to pre-effective amendment number 1, file</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927f2a.txt)[<u>number 333-126668, filed with the Commission on October 12, 2005.</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927f2a.txt)

[<u>(b) Amendment to the By-laws of John Hancock Life Insurance Company (U.S.A.) (formerly, The Manufacturers Life</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927f2b.txt)[<u>Insurance Company (U.S.A.)) dated March 12, 1999, incorporated by reference to pre-effective amendment number 1, file</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927f2b.txt)[<u>number 333-126668, filed with the Commission on October 12, 2005.</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927f2b.txt)

[<u>(c) Amendment to the By-laws of John Hancock Life Insurance Company (U.S.A.) (formerly, The Manufacturers Life</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927f2c.txt)[<u>Insurance Company (U.S.A.)) dated July 16, 2004, incorporated by reference to post-effective amendment number 9, file</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927f2c.txt)[<u>number 333-85284, filed with the Commission on April 30, 2007.</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927f2c.txt)

[<u>(d) Amended and Restated By-laws of John Hancock Life Insurance Company (U.S.A.) dated October 23, 2012,</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312513170649/d480972dex9926f2d.htm)[<u>incorporated</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312513170649/d480972dex9926f2d.htm)[<u>by reference to post-effective amendment number 1, file number 333-179570, filed with the Commission on April 24, 2013.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312513170649/d480972dex9926f2d.htm)

[<u>(g)(1)Reinsurance Agreement between John Hancock Life Insurance Company (U.S.A.) and Munich American Reassurance</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522303540/d400991dex9930g1.htm)[<u>Company, incorporated by reference to pre-effective amendment number 1, file number 333-266659, filed with the</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522303540/d400991dex9930g1.htm)[<u>Commission on December 13, 2022.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522303540/d400991dex9930g1.htm)

[<u>(2) Reinsurance Agreement between John Hancock Life Insurance Company (U.S.A.) and Swiss Re Life & Health America</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522303540/d400991dex9930g2.htm)[<u>Inc., incorporated by reference to pre-effective amendment number 1, file number 333-266659, filed with the Commission on</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522303540/d400991dex9930g2.htm)[<u>December 13, 2022.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312522303540/d400991dex9930g2.htm)

[<u>(h) (1) Participation Agreement among the Manufacturers Insurance Company (U.S.A.), the Manufacturers Insurance</u>](https://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927h1.txt)[<u>Company of New York, PIMCO Variable Insurance Trust and PIMCO Advisors Distributors LLC dated April 30, 2004,</u>](https://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927h1.txt)[<u>incorporated by reference to pre-effective amendment number 1, file number 333-126668, filed with the Commission on</u>](https://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927h1.txt)[<u>October 12, 2005.</u>](https://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927h1.txt)

[<u>(2) Participation Agreement among John Hancock Life Insurance Company (U.S.A.), John Hancock Life Insurance Company</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927h2.txt)[<u>of New York, and John Hancock Trust dated April 20, 2005, incorporated by reference to pre-effective amendment number 1,</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927h2.txt)[<u>file number 333-126668, filed with the Commission on October 12, 2005.</u>](http://www.sec.gov/Archives/edgar/data/813572/000119312505200355/dex9927h2.txt)

[<u>(3) Participation Agreement among John Hancock Life Insurance Company (U.S.A.), John Hancock Life Insurance Company</u>](http://www.sec.gov/Archives/edgar/data/906790/000119312510000058/dex9926h3.htm)[<u>of New York, and M Financial Investment Advisers, Inc. dated November 13, 2009, incorporated by reference to file number</u>](http://www.sec.gov/Archives/edgar/data/906790/000119312510000058/dex9926h3.htm)[<u>333-164150, filed with the Commission on January 4, 2010.</u>](http://www.sec.gov/Archives/edgar/data/906790/000119312510000058/dex9926h3.htm)

[<u>(4) Shareholder Information Agreement between John Hancock Life Insurance Company (U.S.A.), John Hancock Life</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927h3.txt)[<u>Insurance Company of New York, John Hancock Life Insurance Company, John Hancock Variable Life Insurance, and John</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927h3.txt)[<u>Hancock Trust portfolios (except American Funds Insurance Series) dated April 16, 2007, incorporated by reference to</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927h3.txt)[<u>post-effective amendment number 9, file number 333-85284, filed with the Commission in April, 2007.</u>](http://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927h3.txt)

[<u>(5) Shareholder Information Agreement between John Hancock Life Insurance Company (U.S.A.), John Hancock Life</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927h4.txt)[<u>Insurance Company of New York, John Hancock Life Insurance Company, John Hancock Variable Life Insurance, and John</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927h4.txt)[<u>Hancock Trust on behalf of series of the Trust that are feeder funds of the American Funds Insurance Series dated April 16,</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927h4.txt)[<u>2007, incorporated by reference to post-effective amendment number 9, file number 333-85284, filed with the Commission</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927h4.txt)[<u>in April, 2007.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312507094977/dex9927h4.txt)

[<u>(6) Participation Agreement between Northern Lights Variable Trust and John Hancock Life Insurance Company (U.S.A.) and</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521127005/d120678dex9926h6.htm)[<u>John Hancock Life Insurance Company of New York, incorporated by reference to post-effective amendment number 1, file</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521127005/d120678dex9926h6.htm)[<u>number 333-248502, filed with the Commission on April 23, 2021.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521127005/d120678dex9926h6.htm)

[<u>(6)(a) Amendment to Participation Agreement between Northern Lights Variable Trust and John Hancock Life Insurance</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312525068708/d125913dex9930h6a.htm)[<u>Company (U.S.A.) and John Hancock Life Insurance Company of New York, incorporated by reference to Form N-6, File No.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312525068708/d125913dex9930h6a.htm)[<u>333-286256, filed with the Commission on March 31, 2025.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312525068708/d125913dex9930h6a.htm)

[<u>(7) Administrative and Distribution Services Agreement between Northern Lights Variable Trust and John Hancock Life</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312524238764/d861928dex9930h7.htm)[<u>Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, incorporated by reference to Post-Effective</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312524238764/d861928dex9930h7.htm)[<u>Amendment No. 7, File No. 333-254211, filed with the Commission on October 17, 2024</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312524238764/d861928dex9930h7.htm)

------

[<u>(7)(a) Amendment to Administrative and Distribution Services Agreement between Northern Lights Variable Trust and John</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312525068708/d125913dex9930h7a.htm)[<u>Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, incorporated by</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312525068708/d125913dex9930h7a.htm)[<u>reference to Form N-6, File No. 333-286256, filed with the Commission on March 31, 2025.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312525068708/d125913dex9930h7a.htm)

[<u>(8) Participation Agreement between Northern Lights Fund Trust II and John Hancock Life Insurance Company (U.S.A.) and</u>](d54846dex9930h8.htm)[<u>John Hancock Life Insurance Company of New York, filed herewith.</u>](d54846dex9930h8.htm)

(i) (1) [<u>Service agreement between Manulife Financial Corporation and the Manufacturers Life Insurance Company (U.S.A.),</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312514162405/d670471dex9926i1.htm)[<u>dated January 1, 2001, incorporated by reference to post-effective amendment number 6, file number 333-179570, filed with</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312514162405/d670471dex9926i1.htm)[<u>the Commission on April 28, 2014.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312514162405/d670471dex9926i1.htm)

(j) Not applicable.

[<u>(k) Opinion and consent of counsel for John Hancock Life Insurance Company (U.S.A.), filed herewith.</u>](d54846dex9930k.htm)

(l) Not Applicable.

(m) Not Applicable.

[<u>(n) Consent of Independent Registered Public Accounting Firm, filed herewith.</u>](d54846dex9930n.htm)

(o) Not Applicable.

(p) Not Applicable.

[<u>(q) Memorandum Regarding Issuance, Face Amount Increase, Redemption and Transfer Procedures for the Policies.</u>](https://www.sec.gov/Archives/edgar/data/801019/000095013502005585/b44884uaexv99w6.txt)[<u>Incorporated by reference to pre-effective amendment no. 1, file number 333-100597, filed December 17, 2002.</u>](https://www.sec.gov/Archives/edgar/data/801019/000095013502005585/b44884uaexv99w6.txt)

[<u>(r) Form of Summary Prospectus, filed herewith.</u>](d54846dex9930r.htm)

Powers of Attorney

[<u>(i) Powers of Attorney for Eileen Cloherty, Nora N. Crouch, Aimee DeCamillo, Dara Gough, Thomas E. Hampton, J.</u>](d54846dex9930i.htm)[<u>Stephanie Nam, Ken Ross, Alex Silva, Brooks Tingle, Shamus Weiland, and Adam T. Wise, filed herewith.</u>](d54846dex9930i.htm)

*Item 31. Directors and Officers of the Depositor* 

OFFICERS AND DIRECTORS OF JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.):

---

| | |
|:---|:---|
| **Name and Principal Business Address** | **Position with Depositor** |
| Brooks Tingle<br> 200 Berkeley Street<br> Boston, MA 02116<br>| Chair, Director, President & Chief Executive Officer |
| Nora N. Crouch <br> 804 Pepper Avenue <br> Richmond, VA 23226<br>| Director |
| Aimee DeCamillo<br> 200 Berkeley St.<br> Boston, MA 02116<br>| &nbsp;&nbsp; Director, Executive Vice President, & Global Head of <br> Retirement<br>|
| Dara Gough<br> 200 Berkeley St.<br> Boston, MA 02116<br>| Director, Vice President |
| Thomas E. Hampton <br> 5207 2nd Street NW<br> Washington, DC 20011 <br>| Director |
| J. Stephanie Nam<br> 129 State Street<br> Portsmouth, NH 03801<br>| Director |
| Ken Ross<br> 200 Berkeley St.<br> Boston, MA 02116<br>| Director, Vice President |

---

------

---

| | |
|:---|:---|
| **Name and Principal Business Address** | **Position with Depositor** |
| Shamus Weiland<br> 200 Bloor Street<br> E. Toronto, ON M4W 1E5<br>| Director |
| Adam T. Wise<br> 197 Clarendon Street<br> Boston, MA 02116<br>| Director & Vice President |
| **Executive Vice Presidents** |  |
| Andrew G. Arnott\*\* | Global Head of Institutional, Product, and Strategy |
| **Senior Vice Presidents** |  |
| John Addeo\*\* | Global Fixed Income Chief Investment Officer |
| John C.S. Anderson\*\* | Global Head of Corporate Finance and Infrastructure |
| Peter Chung\* | Global Head of Corporate Development |
| Kevin J. Cloherty\*\* | Deputy General Counsel, Global Markets |
| Jackie Collier\*\* | GWAM Chief Compliance Officer |
| Kristie Feinberg\* | &nbsp;&nbsp; President of Manulife JH Investments and Head of Retail <br> MIM<br>|
| Maryscott Greenwood\*\* | Global Head of Regulatory & Public Affairs |
| Len van Greuning\* | Chief Information Officer MIM |
| Lindsay Hanson\* | US Chief Marketing Officer |
| Hector Martinez\* | Head of US Insurance |
| John B Maynard\*\* | Deputy General Counsel, Legacy, Reinsurance & Tax |
| Joelle Metzman\*\* | GWAM Chief Risk Officer |
| Sinead O'Connor\* | Global Head of Inforce Management |
| Wayne Park\* | Head of US Retirement and MIM |
| Gerald Peterson\*\* | Global Head of Operations and Data Management |
| Nicole Rafferty\*\*\* | Global Head of Contact Centers |
| Chet Ritchie\* | Global Head of Talent Acquisition |
| Susan Roberts\* | Head of LTC Customer Care and Integrations |
| Ian Roke\*\* | Global Head of Financial Risk Management |
| Thomas Samoluk\*\* | US General Counsel and US Government Relations |
| Anthony Teta\* | US Head of Inforce Management |
| Nathan Thooft\*\* | MAS and Global Equities Chief Investment Officer |
| Anne Valentine-Andrews\*\*\* | Global Head of Private Markets |
| Blake Witherington\*\* | US Chief Credit Officer |
| Henry H. Wong\*\* | Chief Investment Officer |
| **Vice Presidents** |  |
| Jay Aronowitz\*\* |  |
| Kevin Askew\*\* |  |
| William Auger\* |  |
| Jack Barry\* |  |
| Paul Batten\*\* |  |
| P.J. Beltramini\* |  |
| Abigail M Benham\* |  |
| Mark G Bensman\*\*\* |  |
| Alexander Beoglin\*\* |  |
| Jon Bourgault\*\* |  |
| J.J. Bowman\* |  |
| Paul Boyne\*\* |  |
| James Brandell\* |  |
| Ted Bruntrager\* | Chief Compliance Officer & Chief Risk Officer |
| Grant Buchanan\*\*\* |  |
| Ginger Burns Beaupre\*\* |  |
| Brendan Campbell\* |  |
| Yan Rong Cao\* |  |
| Rick A. Carlson\*\* |  |
| Patricia Rosch Carrington\*\* |  |

---

------

---

| | |
|:---|:---|
| **Name and Principal Business Address** | **Position with Depositor** |
| Jeffrey Cathie\* |  |
| Ken K. Cha\* |  |
| Christopher M. Chapman\*\* |  |
| Sheila Chernicki\* |  |
| Eileen Cloherty\* | Chief Accounting Officer & Controller |
| Maggie Coleman\*\*\* |  |
| Catherine Z. Collins\*\* |  |
| Doug Comer\* |  |
| Meredith Comtois\* |  |
| Thomas D. Crohan\*\* |  |
| Susan Curry\*\* |  |
| Ken D'Amato\*\* |  |
| Michelle M. Dauphinais\* |  |
| Ryan Davies\*\* |  |
| Frederick D Deminico\*\* |  |
| Susan P Dikramanjian\*\* |  |
| William D Droege\*\* |  |
| Jeffrey Duckworth\*\* |  |
| Jodi Enggasser\* |  |
| Jieyu Fan\* |  |
| Marc Feliciano\*\* |  |
| Katie M. Firth\*\* |  |
| Lauren Marx Fleming\*\* |  |
| Mark Flinn\*\* |  |
| Philip J. Fontana\*\* |  |
| Laura Foster\*\*\* |  |
| Matthew Gabriel\* |  |
| Paul Gallagher\*\* |  |
| Melissa Gamble\*\* |  |
| Scott B Garfield\*\* |  |
| Marco Giacomelli\*\*\* |  |
| Jeffrey N. Given\*\* |  |
| Thomas C. Goggins\*\* |  |
| Miguel Gonzalez\* |  |
| Howard C. Greene\*\* |  |
| Erik Gustafson\*\* |  |
| Ryan M Hanna\*\*\* |  |
| Richard Harris\*\*\* | Appointed Actuary |
| Jessica Harrison\*\*\* |  |
| John Hatch\* |  |
| Katharine Hayes\* |  |
| Justin Helferich\*\*\* |  |
| Michael Hession\* |  |
| Philip Huvos\* |  |
| Sesh Iyengar\*\* |  |
| Kinga Kapuscinski\*\* |  |
| Gillian Kelley\* |  |
| Geoffrey Grant Kelley\*\* |  |
| Recep C. Kendircioglu\*\* |  |
| Neal P. Kerins\* |  |
| Brian J Kernohan\*\*\* |  |
| Michael P King\*\*\* |  |
| Heidi Knapp\*\* |  |
| Tomoko Kosinski\*\* |  |
| Robert Krempus\*\*\* |  |
| Diane R. Landers\*\* |  |
| Michael Landolfi\*\* |  |
| Tracy Lannigan\*\* | Counsel and Corporate Secretary |

---

------

---

| | |
|:---|:---|
| **Name and Principal Business Address** | **Position with Depositor** |
| Peter Lathrop\* |  |
| Michael Lebowitz\*\*\* |  |
| Jessica Lee\*\*\* |  |
| Eric Lippart\*\*\* |  |
| Hua Liu\*\*\* | Treasury |
| Scott Lively\*\* |  |
| David Loh\*\*\* |  |
| Brad Lutz\*\* |  |
| Patrick MacDonnell\*\* |  |
| Shawn McCarthy\*\* |  |
| Andrew J. McFetridge\*\* |  |
| Jonathan McGee\*\* |  |
| Katie L. McKay\*\* |  |
| Eric S. Menzer\*\* |  |
| Stella Mink\*\*\* |  |
| Matthew Miskin\*\* |  |
| Michelle Morey\* |  |
| Patricia Wall Mundy\* |  |
| Catherine Murphy\* | Deputy Appointed Actuary |
| Richard Myrus\*\* |  |
| Lisa Natalicchio\* |  |
| Scott Navin\*\* |  |
| Frank G O'Neill\*\*\* |  |
| Pragya Pandit\* |  |
| Chirag T Patel\*\*\* |  |
| Gary M. Pelletier\*\* |  |
| David Pemstein\*\* |  |
| Joanne Pietrini Smith\* |  |
| Susan J Pirog\* |  |
| Jessica Portelance\*\*\* |  |
| Jason M. Pratt\*\* |  |
| Peta-Gaye M Prinn\*\* |  |
| Ed Rapp\*\* |  |
| Todd Renneker\*\* |  |
| Emily Roland\*\* |  |
| Timothy A Roseen\*\* |  |
| Barbara H. Rosen-Campbell\*\* |  |
| Caryn Rothman\*\* |  |
| Ryan Sample\*\* |  |
| Jeffrey R. Santerre\*\* |  |
| Michael Scanlon\*\* |  |
| Marcia Schow\*\* |  |
| Christopher L. Sechler\*\* |  |
| Estelle Shaw-Latimer\*\*\* |  |
| Thomas Shea\*\* |  |
| Lisa Shepard\*\* |  |
| Bill Shields\*\* |  |
| Alex Silva\* | Chief Financial Officer |
| Fernando A Silva\*\* |  |
| Susan Simi\*\* |  |
| Nathan Slichter\*\*\* |  |
| Brittany Straughn\* |  |
| Katherine Sullivan\*\* |  |
| Trevor Swanberg\*\* |  |
| Robert E. Sykes, Jr.\*\* |  |
| Wilfred Talbot\* |  |
| Gary Tankersley\* |  |
| Michelle Taylor-Jones\* |  |

---

------

---

| | |
|:---|:---|
| **Name and Principal Business Address** | **Position with Depositor** |
| Anne Thibeault\* |  |
| Brian E. Torrisi\*\* |  |
| Gina Goldych Walters\*\* |  |
| Adam Weigold\*\* |  |
| Craig White\*\* |  |
| Jonathan T. White\*\* |  |
| Charles J. Wiegersma\* |  |
| Bryan Wilhelm\* |  |
| Karin Wilsey\*\* |  |
| Josiah K Winslow\*\* |  |
| Thomas Zakian\*\* |  |

---

*\*Principal Business Office is 200 Berkeley Street, Boston, MA 02116* 

*\*\*Principal Business Office is 197 Clarendon Street, Boston, MA 02116* 

*\*\*\*Principal Business Office is 200 Bloor Street, Toronto, Canada M4W1E5* 

*Item 32. Persons Controlled by or Under Common Control with the Depositor or the Registrant* 

The Registrant is a separate account of the Depositor operating as a unit investment trust. The Registrant supports benefits payable under the Depositor's variable life insurance policies by investing assets allocated to various investment options in shares of John Hancock Variable Insurance Trust (formerly, John Hancock Trust) and other mutual funds registered under the Investment Company Act of 1940 as open-end management investment companies of the "series" type.

As of the effective date of the registration statement, the Company and its affiliates are controlled by Manulife Financial Corporation.

------

![](g812091orgchart_12.jpg)

------

*Item 33. Indemnification* 

The Form of Selling Agreement or Service Agreement between John Hancock Distributors LLC ("JH Distributors") and various broker-dealers may provide that the selling broker-dealer indemnify and hold harmless JH Distributors and the Company, including their affiliates, officers, directors, employees and agents against losses, claims, liabilities or expenses (including reasonable attorney's fees), arising out of or based upon a breach of the Selling or Service Agreement, or any applicable law or regulation or any applicable rule of any self-regulatory organization or similar provision consistent with industry practice.

Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

*Item 34. Principal Underwriters* 

(a) Set forth below is information concerning other investment companies for which JH Distributors, the principal underwriter of the contracts, acts as investment adviser or principal underwriter.

---

| | |
|:---|:---|
| **Name of Investment Company** | **Capacity in Which Acting** |
| John Hancock Variable Life Account S | Principal Underwriter |
| John Hancock Variable Life Account U | Principal Underwriter |
| John Hancock Variable Life Account V | Principal Underwriter |
| John Hancock Variable Life Account UV | Principal Underwriter |
| John Hancock Life Insurance Company (U.S.A.) Separate Account R | Principal Underwriter |
| John Hancock Life Insurance Company (U.S.A.) Separate Account T | Principal Underwriter |
| John Hancock Life Insurance Company (U.S.A.) Separate Account W | Principal Underwriter |
| John Hancock Life Insurance Company (U.S.A.) Separate Account X | Principal Underwriter |
| John Hancock Life Insurance Company (U.S.A.) Separate Account Q | Principal Underwriter |
| John Hancock Life Insurance Company (U.S.A.) Separate Account A | Principal Underwriter |
| John Hancock Life Insurance Company (U.S.A.) Separate Account N | Principal Underwriter |
| John Hancock Life Insurance Company (U.S.A.) Separate Account H | Principal Underwriter |
| John Hancock Life Insurance Company (U.S.A.) Separate Account I | Principal Underwriter |
| John Hancock Life Insurance Company (U.S.A.) Separate Account J | Principal Underwriter |
| John Hancock Life Insurance Company (U.S.A.) Separate Account K | Principal Underwriter |
| John Hancock Life Insurance Company (U.S.A.) Separate Account L | Principal Underwriter |
| John Hancock Life Insurance Company (U.S.A.) Separate Account M | Principal Underwriter |
| John Hancock Life Insurance Company of New York Separate Account B | Principal Underwriter |
| John Hancock Life Insurance Company of New York Separate Account A | Principal Underwriter |

---

(b) John Hancock Life Insurance Company (U.S.A.) is the sole member of JH Distributors and the following comprise the Board of Managers and Officers of JH Distributors.

---

| | |
|:---|:---|
| **Name** | **Title** |
| Rick Carlson\*\* | Vice President, US Taxation |
| Jackie Collier\*\* | Director |
| Michelle Dauphinais\* | Vice President |
| Tracy Lannigan\*\* | Vice President, Counsel, Corporate Secretary |
| Alex Silva\* | Director |
| Bryan Wilhelm\* | Director |

---

*\*Principal Business Office is 200 Berkeley Street, Boston, MA 02116* 

*\*\*Principal Business Office is 197 Clarendon Street, Boston, MA 02116* 

*\*\*\*Principal Business Office is 200 Bloor Street, Toronto, Canada M4W1E5* 

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

(c) John Hancock Distributors LLC

Compensation received, directly or indirectly, from the Registrant by John Hancock Distributors LLC, the sole principal underwriter of the contracts funded by the Separate Account during the last fiscal year:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **(1)** | **(2)** | **(3)** | **(4)** | **(5)** |
| **Name of**<br> **Principal**<br> **Underwriter**<br>| **Net**<br> **Underwriting**<br> **Discounts and**<br> **Commissions**<br>| **Compensation**<br> **on Events**<br> **Occasioning**<br> **the Deduction**<br> **of a Deferred**<br> **Sales Load**<br>| **Brokerage**<br> **Commissions**<br>| **Other**<br> **Compensation**<br>|
| &nbsp;&nbsp;&nbsp; John Hancock <br> Distributors LLC<br>| &nbsp;&nbsp; $0 | $0 | $0 | $0 |

---

*Item 35. Location of Accounts and Records* 

The information required by this item is included in the most recent Form N-CEN filed with the SEC by the Separate Account.

*Item 36. Management Services* 

All management services contracts are discussed in Part A or Part B.

*Item 37. Fee Representation* 

Representation of Insurer Pursuant to Section 26 of the Investment Company Act of 1940.

John Hancock Life Insurance Company (U.S.A.) hereby represents that the fees and charges deducted under the policies issued pursuant to this registration statement, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by the Company.

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**Signatures** 

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant has duly caused this registration statement to be signed on its behalf by the undersigned, duly authorized, in the City of Boston, Commonwealth of Massachusetts, on this 19th day of May, 2026.

John Hancock Life Insurance Company (U.S.A.) Separate Account A

(Registrant)

By: JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)

By: \*____________________

Brooks Tingle

Principal Executive Officer

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)

(Depositor)

By: \*____________________

Brooks Tingle

Principal Executive Officer

/s/Michael A. Ramirez<br>Michael A. Ramirez, as Attorney-In-Fact<br>

*\*Pursuant to Power of Attorney* 

------

**Signatures** 

Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities indicated as of the 19th day of May, 2026.

---

| | |
|:---|:---|
| **Signatures** | **Title** |
| \*<br>Brooks Tingle<br>| Chair, President, and Chief Executive Officer |
| \*<br>Alex Silva<br>| Chief Financial Officer |
| \*<br>Eileen Cloherty<br>| Chief Accounting Officer and Controller |
| \*<br>Nora N. Crouch<br>| Director |
| \*<br>Aimee DeCamillo<br>| Director |
| \*<br>Dara Gough<br>| Director |
| \*<br>Thomas Edward Hampton<br>| Director |
| \*<br>J. Stephanie Nam<br>| Director |
| \*<br>Ken Ross<br>| Director |
| \*<br>Shamus Weiland<br>| Director |
| \*<br>Adam T. Wise<br>| Director |
| /s/Michael A. Ramirez<br>Michael A. Ramirez, as Attorney-In-Fact<br>|  |

---

*\*Pursuant to Power of Attorney*

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## Exhibit 99.30

![LOGO](g54846dsp001.jpg)

Corporate Office: [201 Townsend Street, John Hancock Life Insurance Company (U.S.A.) Suite 900, A Stock Company Lansing, Michigan 48933] LIFE INSURED [John J. Doe] POLICY NUMBER [12 345 678] PLAN NAME [Protection VUL] FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE POLICY BENEFIT PAYABLE ON LIFE INSURED'S DEATH FLEXIBLE PREMIUMS PAYABLE TO AGE 121 DURING THE LIFE INSURED'S LIFETIME NON-PARTICIPATING (NOT ELIGIBLE FOR DIVIDENDS) BENEFITS, VALUES, PERIODS OF COVERAGE AND PREMIUMS ARE ON AN INDETERMINATE BASIS Subject to the conditions and provisions of this policy, if the Life Insured dies while this policy is In Force, John Hancock Life Insurance Company (U.S.A.) ("the Company") agrees to pay the Insurance Benefit to the beneficiary in a lump sum, which may include placing the Insurance Benefit in an interest-bearing account in the name of the beneficiary that provides immediate access to all of the account, and to provide the other benefits, rights, and privileges, if any, of the policy. If the Company makes other plans of payment available other than a lump sum, then a beneficiary may request payment under such plans in lieu of a lump sum. The Insurance Benefit is described in Section 4. Your Net Premiums are added to the Policy Value. You may allocate them to one or more of the Investment Accounts or the Fixed Account, subject to Section 10 and any other applicable provisions of the policy. The portion of the Policy Value that is in the Investment Accounts will vary from day to day. The amount is not guaranteed; it may increase or decrease, depending on the investment experience of the Investment Accounts that you have chosen. The portion of the Policy Value that is in the Fixed Account will accumulate at rates of interest we determine. Such rates will not be less than the Minimum Fixed Account Annual Rate shown in Section 1. The amount of the Insurance Benefit, or the duration of the insurance coverage, or both, may increase or decrease as described in Section 4. Communications about this policy may be sent to the Company's Service Office, which is currently at [200 Berkeley Street, Boston, MA, 02116-5023. Our toll-free number is 1-800-387-2747]. READ YOUR POLICY CAREFULLY. It is a contract between you and us. RIGHT TO RETURN POLICY. If for any reason you are not satisfied with your policy, you may return it for cancellation by delivering or mailing it to us or to an agent of the ompany. f this policy does not replace another policy, you may return it within [T ] days after receiving it, or if it replaces another policy,youmayreturnitwithinTH RTYdaysafterreceivingitoranylongerperiodrequiredbyapplicable law in the state where this policy is delivered or issued for delivery. We will refund the olicy Value as of the date we receive the policy, plus any charges and deductions taken for the policy. The policy will bevoidfromthebeginning and the parties shall be in the same position as if no policy had ever been SPECIMEN issued.Signed for the Company by: Secretary President ICC26 26PROVUL

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![LOGO](g54846dsp002.jpg)

Policy Provisions Section 1. Policy Specifications 2. Tables of Rates 3. Definitions 4. Insurance Benefit 5. Face Amount 6. Premiums 7. Policy Value 8. Loan Account, Fixed Account, and Investment Account 9. Separate Account and Sub Accounts 10. Allocations and Transfer 11. Loans 12. Surrenders and Withdrawals13. Grace Period 14. Policy Termination 15. Reinstatement 16. Coverage at and after Age 121 17. Owner and Beneficiary 18. Assignment 19. Misstatements 20. Suicide 21. Incontestability 22. The Contract 23. Right to ostpone ayment of Benefits24. Claims of Creditors25. Reports to Owner26. How Values are ComputerSPECIMEN 27. Qualification as Life nsurance28. Interest on Proceeds 29. Conformity With Interstate Insurance Product Regulation Commission Standards ICC26 26PROVUL 2

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![LOGO](g54846dsp003.jpg)

. POLICY SPECIFICATIONSLife Insured [JOHN DOE] Plan Name [Protection VUL] Policy Number [12 345 678] Age at Policy Date [35] Issue Date [June 1, 2026] [Sex] [MALE] Policy Date [June 1, 2026] Risk Classification [Standard] [Non Smoker] Additional Ratings [not applicable] Owner, Beneficiary As designated in the application or subsequently changed Death Benefit Option at Issue [Death Benefit Option 1] Life Insurance Qualification Cash Value Accumulation Test Test Face Amount at Issue $[50,000] Jurisdiction of Issue [Alaska] SPECIMEN [Division of Insurance Telephone Number: 1-907-269-7900] ICC26 26PROVUL-sp 3.1

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![LOGO](g54846dsp004.jpg)

1. POLICY SPECIFICATIONS (continued) – Policy [12 345 678] PREMIUMS AT ISSUE Minimum Initial Premium $[29.87] Premium Mode [Annual] Planned Premium $[600.00 per year] Notice: This policy provides life insurance coverage for the lifetime of the Life Insured if sufficient premiums are paid. Premium payments in addition to the Planned Premium shown may need to be made to keep this policy and coverage In Force. After the Life Insured reaches Age 121, no further premium payments are payable. Keeping the policy and coverage In Force will be affected by factors such as: changes in the current Cost of Insurance rates; changes in the Asset-Based Risk Charge; the amount, timing and frequency of premium payments; the interest rate being credited to the Fixed Account and Loan Account; the amount of any Asset Credit; the amount of any Policy Value Credit; the investment experience of the Investment Accounts; changes to the Death Benefit Option; changes in the Face Amount; loan activity; withdrawals; and deductions for any applicable supplementary benefit riders that are attached to, and made a part of, this policy. Also refer to the Death Benefit Protection feature under your DBP Benefit, Grace Period provision in Section 13, and Policy Termination provision in Section 14. At a minimum, this policy will provide coverage until Policy Month [4], Policy Year [46], if all Planned Premiums shown above are paid when they are due, and you do not take any policy loans or withdrawals and there are no other policy changes. SPECIMEN

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![LOGO](g54846dsp005.jpg)

1. POLICY SPECIFICATIONS (continued) – Policy [12 345 678] OTHER BENEFITS AND SPECIFICATIONS [Death Benefit Protection Rider] SPECIMEN

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![LOGO](g54846dsp006.jpg)

POLICY SPECIFICATIONS (continued) – Policy [12 345 678] POLICY VALUE CALCULATION POLICY CHARGES: Deductions from Premium Payments Premium Charge A percentage of each premium payment, the percentages as shown below. Policy Years Percentage 1-10 20.00% 11+ 17.00% Monthly Deductions Administrative Charge $15.00 Face Amount Charge A monthly charge that is a rate per $1,000 of Face Amount. The rates are shown below. This charge does not apply to any increase in Face Amount due to a Death Benefit Option change. Policy Years Rate 1-3 [0.1208] 4-[15] [0.1208] [16]+ 0.0000 Cost of Insurance Determined in accordance with Section 7. Maximum Monthly Cost of Charge Insurance Rates are shown in Section 2. The Maximum Monthly Cost of Insurance Rates are no greater than those derived from the appropriate tables used as the basis for the minimum Cash Surrender Values, as described below. Asset-Based Risk 0.0208% of Investment Accounts assets deducted monthly Charge Advance Contribution Determined in accordance with Section 7. The Advance Contribution Charge Charge Rates are shown below. Policy Advance Contribution Policy Advance Contribution Years Charge Rate Years Charge Rate 1 [0.001767] 7 [0.000707] 2 [0.001590] 8 [0.000530] 3 [0.001413] 9 [0.000353] 4 [0.001237] 10 [0.000177] 5 [0.001060] 11+ 0.000000 SPECIMEN 6 [0.000883] ICC26 26PROVUL-sp 3.4

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![LOGO](g54846dsp007.jpg)

. POLICY SPECIFICATIONS (continued) – Policy [12 345 678] POLICY VALUE CALCULATION (continued) Other Charges Surrender Charge This charge is deducted from the Policy Value during the Surrender Charge Period. See Section 12 for details of when a Surrender Charge applies. The Surrender Charge is equal to (a) minus (b) minus (c), with the result multiplied by the applicable percentage from the table below, where: (a) is the Initial Surrender Charge shown in this Section 1; and (b) is 0.0158 multiplied by the sum of premiums received in the first Policy Year; (c) is the sum of the total Advance Contribution Charges deducted in the first Policy Year. In no event, however, will the Surrender Charge be less than zero. The Surrender Charge will reduce over the Surrender Charge Period until it becomes zero. The table below shows the applicable percentage at the beginning of each Policy Year during the Surrender Charge Period. The Percentage of Surrender Charge is proportionately reduced each month of the Policy Year. In the event that the policy terminates at the end of the Grace Period and is reinstated, the Surrender Charge Period will be as described in Section 15. Surrender Charge Period Maximum Percentage of (Policy Year) Surrender Charge 1 100.00% 2 [98.29]% 3 [96.74]% 4 [95.16]% 5 [93.58]% 6 [77.98]% 7 [62.38]% 8 [46.78]% 9 [31.18]% 10 [15.59]% 11+ 0.00% Minimum Cash We base any minimum ash urrender Values on the sex-distinct 2017 urrender Values Loaded CSO moker Distinct Ultimate (ANB) mortality tables, with substandard ratings as applicable.upplementary Benefit harges for applicable supplementary benefit riders are shown in that rider's SPECIMEN Rider harges provisions and/or specification page(s).ICC26 26PROVUL-sp 3.5

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![LOGO](g54846dsp008.jpg)

POLICY SPECIFICATIONS (continued) – Policy [12 345 678] POLICY VALUE CALCULATION (continued)OTHER TERMS AND CHARGES: Refer to your policy provisions for details on the terms and values shown in this table. Minimum Face Amount $50,000 Minimum Face Amount Decrease $50,000 Minimum Fixed Account Annual Rate 1.0% Allocation Date 10th day after the Issue Date Loan Interest Charged Annual Rate Policy Years 1-10 3.25% Policy Years 11+ 2.25% Maximum Loan Interest Credited Differential 2.0% Asset Credit Commencement Year Policy Year 11 Asset Credit Rate Rates are shown in Section 2 Minimum Loan Amount $500 Minimum Withdrawal Amount $500 Death Benefit Discount Factor 1.0008295 Initial Surrender Charge $[1,259.50] Partial Surrender Charge Decrease Exemption 10% Advance Contribution Limit $[422.00] Maximum Transfer Fee $25 Fixed Account Maximum Transfer Percentage 15% Fixed Account Maximum Transfer Amount $2,000 nvestment Account aximum Transfer Amount $1,000,000 SPECIMEN olicy Value redit Factor A Limit Rate 0.15 ICC26 26PROVUL-sp 3.6

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![LOGO](g54846dsp009.jpg)

. TABLES OF RATES – Policy [12 345 678] MAXIMUM MONTHLY COST OF INSURANCE RATES AND MINIMUM DEATH BENEFIT FACTORS The Maximum Monthly Cost of Insurance Rates per dollar of Net Amount at Risk ("Rates") are shown below for each Age. The Rates shown have been adjusted for any applicable Additional Ratings that are applied to the Cost of Insurance Rates as shown in Section 1. The Rates apply to the Risk Classification of the Life Insured on the Issue Date. When the Life Insured reaches Age 121 and above, the Rate is 0.0000000 and the Minimum Death Benefit Factor is 1.0000. Age Rates Minimum Death Age Rates Minimum Death Benefit Factors Benefit Factors 35 0.0000750 2.9050 79 0.0032871 1.3926 36 0.0000875 2.8518 80 0.0037150 1.3747 37 0.0000984 2.7999 81 0.0042182 1.3573 38 0.0001084 2.7494 82 0.0047848 1.3404 39 0.0001142 2.7001 83 0.0054487 1.3240 40 0.0001192 2.6518 84 0.0062246 1.3079 41 0.0001259 2.6044 85 0.0071351 1.2921 42 0.0001343 2.5579 86 0.0082008 1.2764 43 0.0001418 2.5124 87 0.0094428 1.2607 44 0.0001493 2.4679 88 0.0108684 1.2446 45 0.0001526 2.4242 89 0.0124411 1.2278 46 0.0001593 2.3812 90 0.0141491 1.2104 47 0.0001643 2.3390 91 0.0159380 1.1919 48 0.0001710 2.2975 92 0.0177634 1.1714 49 0.0001785 2.2567 93 0.0196061 1.1487 50 0.0001877 2.2168 94 0.0213714 1.1262 51 0.0002019 2.1776 95 0.0229753 1.1041 52 0.0002194 2.1393 96 0.0250472 1.1000 53 0.0002403 2.1019 97 0.0273075 1.1000 54 0.0002620 2.0655 98 0.0298315 1.1000 55 0.0002838 2.0299 99 0.0325821 1.1000 56 0.0003038 1.9953 100 0.0355207 1.1000 57 0.0003231 1.9614 101 0.0383419 1.1000 58 0.0003431 1.9282 102 0.0412506 1.1000 59 0.0003666 1.8956 103 0.0441953 1.1000 60 0.0003959 1.8637 104 0.0471198 1.1000 61 0.0004352 1.8324 105 0.0499590 1.1000 62 0.0004838 1.8018 106 0.0526466 1.1000 63 0.0005383 1.7720 107 0.0566496 1.1000 64 0.0005995 1.7429 108 0.0610817 1.1000 65 0.0006658 1.7145 109 0.0660194 1.1000 66 0.0007371 1.6868 110 0.0715539 1.1000 67 0.0008136 1.6599 111 0.0778115 1.1000 68 0.0008986 1.6337 112 0.0833333 1.1000 SPECIMEN 69 0.0009946 1.6082 113 0.0833333 1.1000 70 0.0011076 1.5833 114 0.0833333 1.1000 71 0.0012418 1.5592 115 0.0833333 1.1000 72 0.0014024 1.5358 116 0.0833333 1.1000 73 0.0015897 1.5131 117 0.0833333 1.1000 74 0.0018036 1.4913 118 0.0833333 1.1000 75 0.0020428 1.4702 119 0.0833333 1.1000 76 0.0023057 1.4498 120 0.0833333 1.1000 77 0.0025959 1.4301 121 0.0000000 1.0000 78 0.0029180 1.4111 ICC26 26PROVUL-SP 4.1

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![LOGO](g54846dsp010.jpg)

TABLES OF RATES (continued) – Policy [12 345 678] ASSET CREDIT RATES The rates below are used in determining the applicable Asset Credit, as described in Section 7. For Age 121 and above, the Asset Credit Rate is 0.0000% Age Asset Credit Rate Age Asset Credit Rate 35 0.0000% 79 0.0443% 36 0.0000% 80 0.0439% 37 0.0000% 81 0.0434% 38 0.0000% 82 0.0430% 39 0.0000% 83 0.0426% 40 0.0000% 84 0.0421% 41 0.0000% 85 0.0417% 42 0.0000% 86 0.0412% 43 0.0000% 87 0.0408% 44 0.0000% 88 0.0404% 45 0.0571% 89 0.0400% 46 0.0571% 90 0.0396% 47 0.0571% 91 0.0390% 48 0.0571% 92 0.0386% 49 0.0570% 93 0.0382% 50 0.0567% 94 0.0378% 51 0.0564% 95 0.0378% 52 0.0559% 96 0.0378% 53 0.0556% 97 0.0378% 54 0.0553% 98 0.0378% 55 0.0549% 99 0.0378% 56 0.0545% 100 0.0333% 57 0.0539% 101 0.0333% 58 0.0535% 102 0.0333% 59 0.0531% 103 0.0333% 60 0.0527% 104 0.0333% 61 0.0523% 105 0.0333% 62 0.0517% 106 0.0333% 63 0.0513% 107 0.0333% 64 0.0509% 108 0.0333% 65 0.0505% 109 0.0333% 66 0.0501% 110 0.0333% 67 0.0495% 111 0.0333% 68 0.0491% 112 0.0333% 69 0.0487% 113 0.0333% 70 0.0483% 114 0.0333% 71 0.0479% 114 0.0333% SPECIMEN 72 0.0473% 116 0.0333% 73 0.0469% 117 0.0333% 74 0.0465% 118 0.0333% 75 0.0461% 119 0.0333% 76 0.0457% 120 0.0333% 77 0.0452% 121 0.0000% 78 0.0447% ICC26 26PROVUL-sp 4.2

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![LOGO](g54846dsp011.jpg)

TABLES OF RATES (continued) – Policy [12 345 678] POLICY VALUE CREDIT FACTOR A RATES ("PVC FACTOR A RATES") AND POLICY VALUE CREDIT FACTOR B RATES ("PVC FACTOR B RATES") The PVC Factor A and PVC Factor B Rates have been adjusted for any applicable Additional Ratings shown in Section 1. When the Life Insured reaches Age 121 and above, the PVC Factor A Rate is 0.0000. When the Life Insured reaches Age 100 and above, the PVC Factor B Rate is 0.0000. Age PVC Factor A Rates PVC Factor B Rates Age PVC Factor A Rates PVC Factor B Rates 35 0.6000 165.6783 79 0.1588 0.3960 36 0.2058 34.1075 80 0.1588 0.3807 37 0.1622 19.1798 81 0.1595 0.3684 38 0.1583 14.4661 82 0.1592 0.3550 39 0.1576 11.6364 83 0.1631 0.3520 40 0.1580 9.7132 84 0.1612 0.3374 41 0.1601 8.3738 85 0.1592 0.3240 42 0.1510 6.8309 86 0.1573 0.3120 43 0.1483 5.8873 87 0.1553 0.3013 44 0.1504 5.2969 88 0.1521 0.2899 45 0.1566 4.9053 89 0.1483 0.2792 46 0.1562 4.3371 90 0.1449 0.2709 47 0.1532 3.8018 91 0.1420 0.2640 48 0.1503 3.3567 92 0.1398 0.2605 49 0.1475 2.9821 93 0.1382 0.2606 50 0.1440 2.5840 94 0.1375 0.2660 51 0.1413 2.2675 95 0.1377 0.2786 52 0.1394 2.0131 96 0.1383 0.3011 53 0.1356 1.7720 97 0.1387 0.3424 54 0.1298 1.5430 98 0.1387 0.4319 55 0.1251 1.3598 99 0.1386 0.7255 56 0.1227 1.2249 100 0.1385 0.0000 57 0.1226 1.1282 101 0.1386 0.0000 58 0.1245 1.0589 102 0.1388 0.0000 59 0.1284 1.0113 103 0.1388 0.0000 60 0.1313 0.9595 104 0.1388 0.0000 61 0.1349 0.9166 105 0.1388 0.0000 62 0.1388 0.8788 106 0.1388 0.0000 63 0.1435 0.8484 107 0.1388 0.0000 64 0.1504 0.8318 108 0.1388 0.0000 65 0.1582 0.8201 109 0.1388 0.0000 66 0.1583 0.7705 110 0.1413 0.0000 67 0.1587 0.7264 111 0.1397 0.0000 68 0.1591 0.6859 112 0.1388 0.0000 SPECIMEN 69 0.1592 0.6474 113 0.1388 0.0000 70 0.1587 0.6096 114 0.1388 0.0000 71 0.1566 0.5693 115 0.1388 0.0000 72 0.1555 0.5360 116 0.1388 0.0000 73 0.1540 0.5042 117 0.1388 0.0000 74 0.1546 0.4818 118 0.1388 0.0000 75 0.1580 0.4693 119 0.1388 0.0000 76 0.1575 0.4467 120 0.1388 0.0000 77 0.1579 0.4283 121 0.0000 0.0000 78 0.1585 0.4119 ICC26 26PROVUL-sp 4.3

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![LOGO](g54846dsp012.jpg)

TABLES OF RATES (continued) – Policy [12 345 678] POLICY VALUE CREDIT COMPONENT B CUMULATIVE LIMIT For Age 100 and above, the Policy Value Credit Component B Cumulative Limit is $0. Age Policy Value Credit Component B Age Policy Value Credit Component B Cumulative Limit Cumulative Limit 35 $0 71 $2,670 36 $59 72 $2,816 37 $82 73 $2,964 38 $106 74 $3,114 39 $131 75 $3,267 40 $158 76 $3,422 41 $186 77 $3,578 42 $215 78 $3,735 43 $245 79 $3,892 44 $276 80 $4,048 45 $310 81 $4,202 46 $350 82 $4,353 47 $391 83 $4,497 48 $435 84 $4,637 49 $480 85 $4,770 50 $541 86 $4,894 51 $605 87 $5,003 52 $672 88 $5,091 53 $743 89 $5,155 54 $817 90 $5,192 55 $893 91 $5,221 56 $972 92 $5,221 57 $1,055 93 $5,221 58 $1,141 94 $5,221 59 $1,232 95 $5,221 60 $1,328 96 $5,221 61 $1,429 97 $5,221 62 $1,533 98 $5,221 63 $1,642 99 $5,221 64 $1,755 100+ $0 65 $1,872 66 $1,994 67 $2,120 68 $2,251 69 $2,387 SPECIMEN 70 $2,527 ICC26 26PROVUL-sp 4.4

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![LOGO](g54846dsp013.jpg)

DEFINITIONS Listed below are some terms that have specific meanings in your policy. Please refer to these definitions as you read your policy. Other terms may be defined in the body of your policy. Additional Rating means an adjustment to the underwriting class that is applied when a Life Insured does not meet, at a minimum, our underwriting requirements for the Standard Risk Classification. Age means, on any Policy Anniversary, the age of the Life Insured at their birthday nearest that date. Annual Processing Date means every 12th Processing Date following the Policy Date. Business Day means any day that we are open for business and the New York Stock Exchange is open for trading. The net asset value of the underlying shares of a Subaccount will be determined at the end of each Business Day. We will deem each Business Day to end at the close of regularly scheduled trading of the New York Stock Exchange (currently 4:00 p.m. Eastern Time) on that day. Cash Surrender Value means the Policy Value less the Surrender Charge. DBP Benefit means the Death Benefit Protection Rider or Enhanced Death Benefit Protection Rider, whichever is applicable as shown under Other Benefits and Specifications in Section 1. Evidence of Insurability means evidence satisfactory to us related to the current health, lifestyle, financial and other circumstances that may impact the insurability of the individual. Fixed Account means that part of the Policy Value reflecting the value you have in our general account. Fund means each division, with a specific investment objective, of a Series Fund. In Force means that the policy has taken effect as described in Section 6 and has not terminated in accordance with the DBP Benefit, Section 13 or Section 14, or been surrendered in accordance with Section 12. Investment Account means that part of the Policy Value reflecting the value you have in a Subaccount. Issue Date means the date shown in Section 1 of this policy from which the Suicide and Incontestability provisions are first applied. Loan Account means that part of the Policy Value that reflects amounts transferred from the Fixed Account or the Investment Accounts as collateral for a policy loan as described in Section 11. Minimum Initial Premium means the minimum premium needed to put the policy In Force when the Issue Date is on or before the Policy Date as shown in Section 1. Net Amount at Risk means an amount used for the purpose of calculating the Cost of Insurance Charges as described in Section 7. Net Cash Surrender Value means the Cash Surrender Value less the Policy Debt. Net Policy Value means the Policy Value less the value in the Loan Account. Net Premium means the gross premium paid less any Premium Charge. artial urrender harge Decrease xemption Amount at any time means the artial urrender harge Decrease xemption shown in ection 1, multiplied by the Face Amount at ssue, with the result reduced by cumulative decreases in the Face Amount. This amount will never be less than zero. lanned remium means the premium that is stated in the application for the policy that is intended to be paid on a regular modal basis. t is shown in ection 1.SPECIMEN olicy Date means the date from which charges for the first Monthly Deductions are calculated. The olicy Date is shown in Section 1. Policy Years, Policy Months, and Policy Anniversaries are determined from the Policy Date. Policy Debt means as of any date (a) plus (b) plus (c), minus (d), where: (a) is the total amount of loans borrowed as of such date; (b) is the total amount of any unpaid loan interest charges borrowed against the policy on a Policy Anniversary; (c) is any interest charges accrued from the prior Policy Anniversary to the current date; and (d) is the total amount of loan repayments as of such date. ICC26 26PROVUL 5

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DEFINITIONS (continued) Policy Value means the sum of the values in the Loan Account, the Investment Accounts, and the Fixed Account. Policy Year means (a) or (b) below, whichever is applicable. (a) The first Policy Year is the period beginning on the Policy Date and ending on the day immediately preceding the first Annual Processing Date. (b) Each subsequent Policy Year is the period beginning on an Annual Processing Date and ending on the day immediately preceding the next Annual Processing Date. Processing Date means the first day of a Policy Month. A Policy Month shall begin on the day in each calendar month that corresponds to the day of the calendar month on which the Policy Date occurred. The Policy Date is not a Processing Date. If the Policy Date is the 29th, 30th, or 31st day of a calendar month, then for any calendar month that has fewer days, the first day of the Policy Month will be the last day of such calendar month. Service Office means the office that we designate to service this policy as shown on the front and back covers of your policy. Separate Account means Separate Account A of the John Hancock Life Insurance Company (U.S.A.). Series Fund means a series type mutual fund registered under the Investment Company Act of 1940 as an open-end diversified management investment company. Subaccount refers to one of the subaccounts of the Separate Account. Surrender Charge Period means the period during which we will assess Surrender Charges. The Surrender Charge Period is shown in Section 1. Surrender Date means the end of the Business Day on which we receive at our Service Office your Written Request for full surrender of the policy. We, us, and our refer only to the Company. Written Request means a request in a form satisfactory to us that is received at our Service Office or, if permitted by our administrative practices, an e-mail received by us at the internet address specified by us for such requests. You and your refer only to the owner of this policy. 4. INSURANCE BENEFIT If the Life Insured dies while the policy is In Force, we will pay the Insurance Benefit upon receipt of due proof of death of the Life Insured, subject to any applicable provisions of the policy. If the Life Insured dies on or after the Surrender Date, no Insurance Benefit will be paid. However, we will instead pay any amount payable under the Surrenders and Withdrawals provision. nsurance BenefitThe nsurance Benefit payable is the greater of (a) or (b), where:(a) is the Minimum Death Benefit as described below minus any outstanding olicy Debt, both at the date of death of the Life nsured; and (b) is an amount equal to (i) plus (ii) minus (iii), where: SPECIMEN (i) is the Death Benefit as described below; (ii) is any death benefit payable under any supplementary benefit riders that have a cost of insurance charge that form part of the policy; (iii) is any outstanding Policy Debt at the date of death of the Life Insured. If the Life Insured dies during a Grace Period, the Insurance Benefit will be reduced by any outstanding Monthly Deductions due as described in Section 13. ICC26 26PROVUL 6

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4. INSURANCE BENEFIT (continued) Death Benefit The Death Benefit will depend on whether Death Benefit Option 1 or Death Benefit Option 2 is in effect on the date of the Life Insured's death. Death Benefit Options Under Death Benefit Option 1, the Death Benefit is equal to the Face Amount at the date of death of the Life Insured. Under Death Benefit Option 2, the Death Benefit is equal to the Face Amount at the date of death of the Life Insured plus the Policy Value at the date of death of the Life Insured. If any withdrawals are made, the Death Benefit will be less than it would have been if no withdrawals were made (regardless of whether Death Benefit Option 1 or Death Benefit Option 2 is in effect). As described in Section 12, withdrawals reduce the Death Benefit by reducing: (a) the Face Amount if Death Benefit Option 1 is in effect; or (b) the Policy Value if Death Benefit Option 2 is in effect. Change of Death Benefit Options You may request in writing to change your Death Benefit Option from Death Benefit Option 2 to Death Benefit Option 1 at any time after the first Policy Year, while the policy is In Force. The change will be effective on the Processing Date following the date we approve the request, and the Face Amount after the change will be equal to the Face Amount immediately before the change plus the Policy Value as of the effective date of the change. You may not change your Death Benefit Option from Death Benefit Option 1 to Death Benefit Option 2 at any time. Upon completion of your request, you will receive a policy amendment reflecting the requested change. Minimum Death Benefit If the sum of the Death Benefit as described above and any death benefit payable under any supplementary benefit riders that have a cost of insurance charge is less than the Minimum Death Benefit, we will use the Minimum Death Benefit when determining the Insurance Benefit payable. The Minimum Death Benefit on any date is equal to the Minimum Death Benefit Factor for the Age of the Life Insured multiplied by the greater of the Policy Value or the cash surrender value as defined in the federal income tax laws, on the date of death of the Life Insured. The Minimum Death Benefit Factors are shown in Section 2. However, at no time will the Minimum Death Benefit be less than the amount required to maintain qualification of this policy as a life insurance contract for federal income tax purposes. We reserve the right to modify the Minimum Death Benefit Factors shown in Section 2, retroactively if necessary, to maintain qualification of this policy as a life insurance contract for federal income tax purposes, notwithstanding any other provisions of this policy to the contrary. To the extent that the Net Amount at Risk associated with the Minimum Death Benefit that results from this calculation exceeds our guidelines and limitations that may be in effect, we reserve the right to: (a) distribute to you a portion of the Policy Value such that the Net Amount at Risk associated with the resulting inimum Death Benefit does not exceed our guidelines and limitations in effect; or (b) if we should decide to accept the additional Death Benefit, it will be subject to our approval in accordance with our normal underwriting practices including vidence of nsurability. 5. FAC AMOUNT SPECIMEN The Face Amount at ssue is shown in ection 1. ncrease in Face Amount You may not increase the Face Amount under this policy, except through a Death Benefit Option change. If you request a change in your Death Benefit Option from Death Benefit Option 2 to Death Benefit Option 1, it will result in an increase of the Face Amount. Refer to the Change of Death Benefit Options provision in Section 4.

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FACE AMOUNT (continued) Reduction in Face Amount You may request a reduction in Face Amount any time after the first Policy Year while this policy is In Force. The Minimum Face Amount Decrease is shown in Section 1. Without our prior approval, the Face Amount cannot be reduced below the Minimum Face Amount shown in Section 1. Any reduction in Face Amount will be effective on the next Processing Date after the date we approve the request for the decrease. Upon completion of your request, you will receive a policy amendment reflecting the requested change. If you decrease the Face Amount during the Surrender Charge Period, we will deduct a pro-rata Surrender Charge from the Net Policy Value. A requested reduction in Face Amount is only allowed if the pro-rata Surrender Charge for the reduction is less than or equal to the Policy Value. The pro-rata Surrender Charge deducted will equal (a) multiplied by (b), divided by (c), where: (a) is the Surrender Charge that would have applied if the policy had been surrendered on the date the reduction in Face Amount takes effect; (b) is the amount of the reduction in Face Amount that exceeds the Partial Surrender Charge Decrease Exemption Amount; and (c) is the amount of Face Amount in effect immediately before the reduction, less any applicable Partial Surrender Charge Decrease Exemption Amount. Each time we deduct the pro-rata Surrender Charge for a Face Amount decrease, we will reduce the remaining Surrender Charge in the same proportion that the Surrender Charge deducted bears to the total Surrender Charge immediately before the Face Amount decrease. We will also deduct a pro-rata Surrender Charge if a withdrawal, as described in Section 12, results in a reduction in Face Amount. However, for purposes of calculating this Surrender Charge, we will assume the Partial Surrender Charge Decrease Exemption Amount is equal to zero. 6. PREMIUMS The Minimum Initial Premium is shown in Section 1. No insurance will take effect under this policy until our underwriters approve issuance of this policy and the conditions specified in the application form have been satisfied, including receipt of at least the Minimum Initial Premium at our Service Office. In the event the Issue Date is later than the Policy Date, the Minimum Initial Premium due will be the Minimum Initial Premium shown in Section 1, plus an additional amount which is equal to the Minimum Initial Premium multiplied by the number of intervening Processing Dates. Subsequent premiums can be paid on any Business Day at our Service Office, and in any amount subject to the limits described below. We reserve the right to limit the dollar amount of any premiums paid. If coverage under the policy takes effect in accordance with the provisions of the application, we will process any premium payment as of the end of the Business Day the payment is received at our Service Office, unless one of the following exceptions applies. (a) We will process a payment received prior to the olicy Date as if received on the olicy Date. (b) We will process the portion of any premium payment for which we require vidence of nsurability for the Life nsured on the first Business Day after we have received such evidence and found it satisfactory.(c) f our receipt of any premium payment (or portion thereof) would cause the policy to be treated as a odified ndowment Contract under federal income tax law, we will process the payment (or SPECIMEN portion thereof) on the first Business Day only after we have received satisfactory written confirmation from you indicating you understand the consequences of the policy being treated as a Modified Endowment Contract. You may pay premiums until the Life Insured reaches Age 121, at which time Monthly Deductions cease and no further premiums may then be paid. If any premium payment would result in the Minimum Death Benefit exceeding the Face Amount, we reserve the right to either refund the premium or to require additional underwriting, including Evidence of Insurability, for any excess of the Minimum Death Benefit over the Face Amount. ICC26 26PROVUL 8

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6. PREMIUMS (continued) Continuation of Insurance Upon Discontinuance of Premium Payments Regardless of whether you continue paying premiums, we will continue taking the Monthly Deductions from the Policy Value until the Life Insured reaches Age 121. Your insurance coverage will continue subject to the DBP Benefit, Grace Period provision in Section 13, and Policy Termination provision in Section 14. Returned or Protested Payments The Company does not accept checks or other instruments unconditionally and therefore, any purported payment(s) submitted to the Company by check or any other instrument including a wire transfer, whether or not credited to the policy by the Company, which is returned or protested does not constitute payment. The Company undertakes no duty to notify any person of a returned or protested payment, except as may be required by applicable law. Any information about the policy, including but not limited to verifications of coverage and policy values provided in any form by the Company on account of such submission(s) is not valid and shall not constitute a waiver or estoppel with respect to any of the terms or conditions of the policy. Such submissions will not prevent or delay a default or termination and do not extend the time for payment or any Grace Period as provided for under the policy. 7. POLICY VALUE The Policy Value at any time is equal to the sum of the values you have in the Loan Account, the Fixed Account, and the Investment Accounts. Descriptions of the Fixed Account, the Investment Accounts, and the Loan Account can be found in Section 8. Net Premiums Added When we receive your premium payments at our Service Office, we deduct a Premium Charge as shown in Section 1, and then allocate the balance remaining (the Net Premium) to the Policy Value. We will do this before we take any other deductions due on that Business Day. We will add any Net Premiums received before the Policy Date to your Policy Value as of the Policy Date. For any premiums received prior to the Issue Date, we will credit interest at the rate of return then being earned on allocations to the current money market Investment Account but will not deduct a Premium Charge. The interest credited may be taxable. The Premium Charge will be deducted on the Issue Date, and the balance remaining will be the Policy Value from which other deductions will be taken and to which any subsequent Net Premiums will be added. Allocation of the initial premium payment and any subsequent premium payments will be in accordance with the Premium Allocations provision of Section 10. Monthly DeductionsA Monthly Deduction is due and will be taken from your Policy Value as of the Policy Date and as of each applicable subsequent Processing Date, including during a Grace Period. Monthly Deductions are calculated from the olicy Date. f, at your request, we set the olicy Date to a date that precedes the date on which we receive premium at least equal to the Minimum nitial remium, Monthly Deductions due for the period prior to receipt of the inimum nitial remium will be taken on the later of the date we receive the inimum nitial remium and the ssue Date.Unless we agree otherwise, or you do not have sufficient funds in the Fixed Account or the nvestment SPECIMEN Accounts, we will take Monthly Deductions from the Fixed Account and the nvestment Accounts in the same proportion that the olicy Value in each of the accounts bears to the et olicy Value immediately prior to the deduction. Monthly Deductions are due until the Policy Anniversary on which the Life Insured reaches Age 121, at which time we will cease to take any further Monthly Deductions as described in Section 16. ICC26 26PROVUL 9

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7. POLICY VALUE (continued) The Monthly Deduction for any Policy Month that will be deducted from your Policy Value consists of charges (a) through (f) listed below, where: (a) is the Administrative Charge; (b) is the Face Amount Charge, if any; (c) is the Asset-Based Risk Charge; (d) is the sum of the charges for any supplementary benefit riders that do not have a cost of insurance charge; (e) is the Cost of Insurance Charge; and (f) is the Advance Contribution Charge, if applicable. Advance Contribution Charge The Advance Contribution Charge will be equal to the Advance Contribution Charge Rate, shown in Section 1, times the greater of zero, or (a) minus (b), where: (a) is the sum of the premiums paid to date; and (b) is the Advance Contribution Limit multiplied by the current Policy Year. Pursuant to the above formula, the Advance Contribution Charge will be equal to zero if the sum of the premiums paid to date is less than or equal to the Advance Contribution Limit times the current Policy Year. Cost of Insurance Charge The Cost of Insurance Charge, which includes the current cost of insurance rate for any supplementary benefit rider that has a cost of insurance charge, for a specific Policy Month is equal to the current Cost of Insurance Rate for that month multiplied by the Net Amount at Risk. We may adjust the Cost of Insurance Rates, including the cost of insurance rates for any supplementary benefit rider that has a cost of insurance charge, at any time based on our expectations of future experience including mortality, persistency, investment earnings, expenses, taxes, reserve and capital requirements, and reinsurance costs. These rates, however, will never exceed the corresponding Maximum Monthly Cost of Insurance Rates shown in Section 2. Each Cost of Insurance Charge is deducted in advance of the applicable insurance coverage for which we are at risk. Net Amount at Risk On the Policy Date and on each subsequent Processing Date we will determine a Net Amount at Risk used to calculate the Cost of Insurance Charge. The Net Amount at Risk is the amount determined by subtracting (a) from the greater of (b) or (c), where: (a) is the Policy Value; (b) is the Face Amount plus any death benefit payable under any supplementary benefit riders that have a cost of insurance charge, divided by the Death Benefit Discount Factor shown in Section 1, plus the Policy Value if Death Benefit Option 2 has been elected for this policy; and (c) is the Minimum Death Benefit as defined in Section 4. The values used to calculate the et Amount at Risk, including the values used to determine the inimum Death Benefit, are determined on the rocessing Date after any Net remium is applied and Monthly Deductions other than the Cost of nsurance harge are taken.Other DeductionsWe will deduct a urrender harge, as described in ections 5 and 12, if during the urrender harge SPECIMEN eriod:(a) you surrender this policy for its Net Cash Surrender Value; (b) you withdraw part of the Net Cash Surrender Value; (c) you request a reduction in the Face Amount that exceeds the Partial Surrender Charge Decrease Exemption Amount; or (d) you do not pay the Default Payment described in Section 13, and your policy terminates. ICC26 26PROVUL 10

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7. POLICY VALUE (continued) Change of Risk Classification and/or Additional Rating Written Requests for a rate reconsideration to a more favorable underwriting class from your current Risk Classification and/or Additional Rating may be submitted to us after issue while this policy is In Force. If approved, these rate reconsiderations will become part of your policy. Our procedures for rate reconsiderations require completion of an application and Evidence of Insurability. If approved, your policy charges, credits, and values will be based on the new Risk Classification and/or Additional Rating. The change will be effective on the Processing Date following the date we approve the request. We recommend that you request and review a current policy illustration upon a change in Risk Classification and/or Additional Rating. For additional details, please contact your agent or our Service Office at the telephone number on the back of this policy. Approval of a more favorable Risk Classification and/or Additional Rating may require adjustments to limits under federal tax laws. We will notify you if premiums are required to be returned to you in order to avoid adverse tax consequences. Please consult a tax advisor before proceeding with the reclassification. Policy Value Credit On each Processing Date, we will apply a Policy Value Credit, if any, to the Policy Value. This Policy Value Credit is equal to the greater of (i) or (ii), where: (i) is zero; and (ii) is Policy Value Credit Component A minus Policy Value Credit Component B, both described below. In no event, however, will the Policy Value Credit exceed the Cost of Insurance Charge. The values used to calculate the Policy Value Credit are determined on the Processing Date after any Net Premium is applied and Monthly Deductions are taken. The Policy Value Credit will be applied to the Investment Accounts and the Fixed Account proportionately in the same manner as Monthly Deductions are taken. Policy Value Credit Component APolicy Value Credit Component A is equal to Policy Value Credit Factor A multiplied by the Face Amount at the time of the calculation. Policy Value Credit Factor A is equal to the lesser of (a) or (b), where: (a) is equal to the Policy Value Credit Factor A Rate for the Age of the Life Insured, shown in Section 2, multiplied by the Cost of Insurance Rate for that month; and (b) is equal to the Policy Value Credit Factor A Limit Rate, shown in Section 1, multiplied by the Maximum Monthly Cost of Insurance Rate for the Age of the Life Insured, shown in Section 2. Policy Value Credit Component BPolicy Value Credit Component B is equal to the greater of zero, or Policy Value Credit Component A minus the result of multiplying the Policy Value at the time of the calculation by Policy Value Credit Factor B. In no event, however, will Policy Value Credit Component B be greater than the Policy Value Credit Component B Limit described below. When the Life Insured reaches Age 100 and above, Policy Value Credit Component B is zero. olicy Value redit Factor B is equal to the olicy Value redit Factor B Rate for the Age of the Life nsured, shown in ection 2, multiplied by the ost of nsurance Rate for that month. The olicy Value Credit Component B Limit is equal to the greater of zero, or the olicy Value Credit omponent B umulative Limit for the Age of the Life nsured, shown in ection 2, minus the sum of the olicy Value redit Component B amounts used in the calculation of the olicy Value Credit in all prior olicy Months.Asset reditSPECIMEN On each rocessing Date beginning in the Asset Credit ommencement Year, we will apply an Asset Credit to the Fixed Account and nvestment Accounts proportionately in the same manner as onthly Deductions are taken. The Asset Credit is equal to (a) multiplied by (b), where: (a) is the Asset Credit Rate for the Age of the Life Insured; (b) is the lesser of the Net Policy Value and the Face Amount. For purposes of calculating the Asset Credit, the Net Policy Value is determined on the Processing Date before any Monthly Deductions are taken. The Asset Credit Commencement Year is shown in Section 1. The Asset Credit Rates are shown in Section 2. ICC26 26PROVUL 11

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8. LOAN ACCOUNT, FIXED ACCOUNT, AND INVESTMENT ACCOUNTS The Policy Value equals the sum of the values in the Loan Account, the Fixed Account, and the Investment Accounts, as described below. Loan Account Value The Loan Account reflects amounts transferred from the Fixed Account or the Investment Accounts as collateral for the Policy Debt as described in Section 11. The amount you have in the Loan Account at any time equals: (a) amounts transferred to it from the Fixed Account or an Investment Account for loans or borrowed loan interest; plus (b) interest credited to it; less (c) amounts transferred from it to the Fixed Account or an Investment Account for loan repayments. For details regarding loan processing, see Section 11. Fixed Account Value The Fixed Account is that part of the Policy Value, not in the Investment Accounts or the Loan Account, that receives a declared rate of interest. The portion of the Policy Value in the Fixed Account at any time equals: (a) the portion of Net Premiums allocated to it; plus (b) amounts transferred to it from the Loan Account; plus (c) amounts transferred to it from an Investment Account; plus (d) interest credited to it; plus (e) the portion of any Policy Value Credit allocated to it; plus (f) the portion of any Asset Credit allocated to it; less (g) the portion of Monthly Deductions deducted from it; less (h) amounts transferred from it to the Loan Account; less (i) the portion of withdrawals, including any applicable charges taken from it; less (j) amounts transferred from it to an Investment Account. Interest We may adjust the rate or rates of interest we credit to the Fixed Account at any time based on our expectations for future experience including investment earnings, persistency, mortality, expenses, taxes, reserve and capital requirements, and reinsurance costs. However, in no event will we credit interest to the Fixed Account at a rate that is less than the Minimum Fixed Account Annual Rate shown in Section 1. Any interest to be credited to the Fixed Account will be credited no less frequently than annually. Any interest credited to the Fixed Account in excess of the Minimum Fixed Account Annual Rate is nonforfeitable, except indirectly due to the application of the Surrender Charges. nvestment Account Value The amount you have in an nvestment Account at any time equals the number of units in that nvestment Account multiplied by the unit value of the corresponding ubaccount at that time. The number of units in an nvestment Account at any time equals (a) minus (b), where: (a) is the number of units credited to the nvestment Account because of: (i) the portion of Net remiums allocated to it; and SPECIMEN (ii) amounts transferred to it from the Loan Account, the Fixed Account, or another nvestment Account; and (iii) the portion of any Policy Value Credit applied to it; and (iv) the portion of any Asset Credit applied to it; and (b) is the number of units canceled from the Investment Account because of: (i) the portion of Monthly Deductions subtracted from it; (ii) the portion of any withdrawals, and any applicable charges, deducted from it; and (iii) amounts transferred from it to the Loan Account, the Fixed Account, or another Investment Account.

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8. LOAN ACCOUNT, FIXED ACCOUNT, AND INVESTMENT ACCOUNTS (continued) The number of units credited or canceled for a given transaction is equal to the dollar amount of the transaction, divided by the unit value on the Business Day of the transaction. See the Unit Value Calculation provision in Section 9 for details on how unit values are determined. 9. SEPARATE ACCOUNT AND SUBACCOUNTS Each Subaccount of the Separate Account purchases shares of a corresponding Fund of a Series Fund. The assets of the Separate Account are the property of the Company. They are used to support the Policy Values of variable life insurance policies. Income, gains, and losses of the Separate Account are credited to, or charged against, the Separate Account without regard to other income, gains, and losses. The part of the assets that is equal to the Investment Account values in respect of all variable life insurance policies will not be charged with liabilities from any other business we conduct. We can transfer to our general account the Separate Account assets in excess of the liabilities of the Separate Account arising under the variable life insurance policies supported by the Separate Account. Right to Make Changes We reserve the right to make certain changes if, in our judgment, they would best serve the interests of the owners of policies such as this or would be appropriate in carrying out the purposes of such policies. Any changes will be made only to the extent and in the manner permitted by applicable laws. Also, when required by law, we will obtain your approval of the changes and approval from any appropriate regulatory authority. Examples of the changes we may make include the following: (a) To operate a Separate Account in any form permitted under the Investment Company Act of 1940, or in any other form permitted by law. (b) To take any action necessary to comply with or obtain and continue any exemptions from the Investment Company Act of 1940. (c) To create new separate accounts, or to combine any two or more separate accounts including the Separate Account, or to de-register the Separate Account under the Investment Company Act of 1940, or to transfer assets between the Separate Account and other separate accounts. (d) To transfer any assets in a Subaccount to another Subaccount, or to add, combine or remove Subaccounts. (e) To substitute, for the investment company shares held in any Subaccount, another class of shares of the investment company or the shares of another investment company or any other investment permitted by law. (f) To make any other necessary technical changes in this policy in order to conform with any action this provision permits us to take. The investment policy of a Subaccount within the Separate Account shall not be materially changed unless a statement of the change is first filed with any jurisdiction requiring such a filing. In the event of such a change in investment policy, and while this policy is n Force, you may elect a transfer to the Fixed Account as described in ection 10.Unit Value alculationWe will determine the unit values for each ubaccount as of the end of each Business Day.For any Business Day, the unit value for a ubaccount is determined by multiplying the unit value for the SPECIMEN immediately preceding Business Day by the net investment factor.The net investment factor for a Subaccount on any Business Day is equal to (a) divided by (b) where: (a) is the net asset value of the underlying Fund shares held by that Subaccount as of the end of such Business Day before any policy transactions are made on that day; and (b) is the net asset value of the underlying Fund shares held by that Subaccount as of the end of the immediately preceding Business Day after all policy transactions were made for that day. We reserve the right to adjust the above formula for any taxes determined by us to be attributable to the operations of the Subaccount. ICC26 26PROVUL 13

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10. ALLOCATIONS AND TRANSFERS Allocation InstructionsAllocation instructions are your instructions for how amounts should be allocated among the Fixed Account and the Investment Accounts. Net Premium allocation instructions are initially elected on your application for this policy and take effect on the Allocation Date shown in Section 1. We reserve the right to limit the dollar amount and to set minimum and maximum percentages that may be allocated to the Fixed Account or an Investment Account. You may elect to change your allocation instructions for future premium payments at any time by Written Request. A change will be effective as of the end of the Business Day on which we receive such Written Request. Any change you request to premium allocation instructions will affect the allocation of future premiums, but will not change the allocation of any previous premium payments made. We reserve the right to impose a limit on the number and frequency of such changes. Premium AllocationsWe process Net Premiums as described in Section 6. Any Net Premium credited to the Policy Value prior to the Allocation Date will automatically be invested in the current money market Investment Account. On the Allocation Date (or on the date such Net Premium is received, if later), we will reallocate the amount in the current money market Investment Account attributable to any such Net Premium in accordance with the allocation instructions then in effect. We will allocate all subsequent Net Premiums to the Fixed Account and any Investment Accounts in accordance with the allocation instructions then in effect. Transfers In the same way as described above in the Premium Allocations provision, instructions may be given to us at any time while the policy is In Force to transfer portions of the Policy Value among the Investment Accounts and the Fixed Account. Transfers are subject to the restrictions described below. General Restrictions on Transfers You can make up to two transfers per calendar month. You can transfer 100% of the Policy Value to the current money market Investment Account after this limit has been reached. If such transfer to the current money market Investment Account is made, no subsequent transfers from the current money market Investment Account to another Investment Account may be made within 30 days. There is no charge for the first 12 transfers in any Policy Year. If you make more than 12 transfers in any Policy Year, a transfer fee not to exceed the Maximum Transfer Fee shown in Section 1 will apply to each subsequent transfer in the Policy Year. We will consider all transfer requests made on the same Business Day as one transfer. Transfers made pursuant to the Asset Allocation Balancer or Dollar Cost Averaging options described below are not subject to the foregoing general restrictions. Without our approval, the maximum amount that may be transferred to or from an Investment Account in any Policy Year may not exceed the Investment Account Maximum Transfer Amount shown in Section 1. We reserve the right to impose additional restrictions to restrict short-term trading. Additional restrictions that may be imposed regarding transfers include, but are not limited to restricting: (a) the number of transfers made during a defined period; (b) the dollar amount of transfers; (c) the method used to submit transfers; and (d) transfers into and out of certain nvestment Accounts.We or a eries Fund in which the eparate Account invests may impose limits on transfer amounts or impose additional restrictions to limit or terminate transfer privileges, at any time.SPECIMEN Restrictions on Transfers to the Fixed AccountYou may transfer the Policy Value from any of the Investment Accounts to the Fixed Account without incurring any transfer charges, regardless of the number of transfers previously made, provided such transfers: (a) occur within 18 months after the Issue Date, as shown in Section 1; or (b) occur within the later of (i) or (ii) where (i) is 60 days from the effective date of a material change in the investment objectives of the Subaccount from which the Policy Value will be transferred, and (ii) is 60 days from the notification date of such change. ICC26 26PROVUL 14

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10. ALLOCATIONS AND TRANSFERS (continued) Restrictions on Transfers out of the Fixed Account The maximum amount that you can transfer out of the Fixed Account in any one Policy Year is limited to the greater of: (a) the Fixed Account Maximum Transfer Percentage shown in Section 1 multiplied by the value in the Fixed Account at the previous Annual Processing Date; (b) the Fixed Account Maximum Transfer Amount shown in Section 1; and (c) the amount transferred out of the Fixed Account during the previous Policy Year. Any transfer out of the Fixed Account may not involve a transfer to the current money market Investment Account. If any transfer out of the Fixed Account would reduce the amount you have in your Fixed Account below $500, we will transfer out the entire value of the Fixed Account. We reserve the right, in our sole discretion, to waive the transfer restrictions on the Fixed Account. Please contact us or your registered representative to determine if a waiver is currently in effect. Asset Allocation Balancer TransfersIf you elect this option, we will automatically transfer amounts among your specified Investment Accounts in order to maintain your designated percentage in each account. We will effect the transfers at specified intervals you select which may be either annually, semi-annually, quarterly, or monthly. When you change your premium allocation instructions, your Asset Allocation Balancer will change so the two are identical. This change will automatically occur unless you instruct us otherwise, or a Dollar Cost Averaging request is in effect. We reserve the right to cease to offer this option as of 90 days after we send you written notice. Dollar Cost Averaging Transfers If you elect this option, we will automatically transfer amounts each month from an Investment Account you select to your choice of one or more of the other Investment Accounts or the Fixed Account. You must select the amount to be transferred. If the value in the Investment Account from which the transfer is being made is insufficient to cover the transfer amount, we will not effect the transfer and we will notify you. We reserve the right to cease to offer this option as of 90 days after we send you written notice. 11. LOANS At any time while this policy is In Force and there is Available Loan Value, you can apply for a loan by Written Request. Each loan must be at least equal to the Minimum Loan Amount shown in Section 1. The Policy Value serves as the only security for a loan, and, as such, we may require a signed loan document to formalize this agreement. We may defer loans as provided in Section 23. Loans may not be made if the policy is in the Grace Period as described in Section 13. Available Loan Value The Available Loan Value is a projection of the Net Cash Surrender Value we make at the time you apply for a loan. The Available Loan Value on any date will be an amount equal to the ash urrender Value as adjusted by the following: (i) projecting the Available Loan Value at the inimum Fixed Account Annual Rate from the date of the loan to the following olicy Anniversary assuming no premiums and no withdrawals; and (ii) the Available Loan Value is reduced by the olicy Debt; and (iii) the Available Loan Value is reduced by loan interest in advance to the end of the current olicySPECIMEN Year.In no event, however, will the Available Loan Value be less than 90% of the Net Cash Surrender Value. Values will be determined, subject to Section 26, as of the end of the Business Day on which the loan application is received at our Service Office. Loan Interest Charged Interest will accrue daily on Policy Debt at an effective rate equal to the Loan Interest Charged Annual Rate, as shown in Section 1. ICC26 26PROVUL 15

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11. LOANS (continued) We will increase the Loan Interest Charged Annual Rate at any time we determine that the rate being charged would cause a loan to be taxable under any applicable ruling, regulation, or court decision. In such case, we will increase the Loan Interest Charged Annual Rate to a rate that we determine would result in the transaction being treated as a loan under federal tax law. Loan interest is charged in arrears and is due on each Annual Processing Date and on any date you make a loan repayment. Accrued interest may be paid at any time. In the event that you do not pay the Loan Interest Charged when it is due, the loan interest will be borrowed against the policy (capitalized) and added to the Policy Debt on the Annual Processing Date. We will allocate the amount borrowed for interest payment as described in the Loan Account provision below. Loan interest will continue to be charged, as described in Section 16, when Monthly Deductions and premium payments cease when the Life Insured has reached Age 121. Loan Account Interest Credited Loan interest is credited to the Loan Account and accrues daily. The annual effective rate of interest credited to the Loan Account is equal to the Loan Interest Charged Annual Rate minus the Loan Interest Credited Differential. We may adjust the Loan Interest Credited Differential at any time based on our expectations for future experience including investment earnings, persistency, mortality, expenses, taxes, reserve and capital requirements, and reinsurance costs. The Loan Interest Credited Differential will not exceed the Maximum Loan Interest Credited Differential shown in Section 1. Loan Account When you take a loan, or when accrued interest is capitalized, we will transfer amounts from the Fixed Account and the Investment Accounts to the Loan Account in the same proportion that the Policy Value in each of these accounts bears to the Net Policy Value. When we transfer an amount from an Investment Account to the Loan Account, we will redeem units of that Investment Account that are equal to the amount transferred. These transfers do not count as a transfer for the purposes of the Transfer provisions described in Section 10. If you take a loan, the transfer amount will be equal to the amount of the loan. If accrued interest is capitalized, the transfer amount will be equal to the amount of capitalized interest minus the cumulative amount of Loan Account Interest Credited since the date loan interest was last capitalized, or the Policy Date if none. If the Policy Value in the Fixed Account and the Investment Accounts is insufficient to complete this transfer, the policy will go into default as described in Section 13. Loan Repayment You may repay the Policy Debt in whole or in part at any time prior to the death of the Life Insured and while the policy is In Force. When you make a loan repayment, we will first capitalize the loan interest. The loan repayment will be applied to the Policy Value by transferring amounts from the Loan Account as follows: (a) we will transfer to the Fixed Account an amount that is equal to the remaining loan repayment multiplied by the ratio of the amount borrowed from the Fixed Account over the sum of the amounts borrowed from the Fixed Account and the Investment Accounts; then (b) we will apply any remaining loan repayment in excess of the amount determined in (a), above, in accordance with the allocation instructions then in effect unless our then-current rules allow you to designate a different allocation with your repayment and you in fact do so. ubject to any supplementary benefit rider, endorsement, or other provisions, while a loan exists, we will treat any amounts you pay as premiums, unless you submit to us a Written Request that they be treated as loan repayments. However, when a portion of the Loan Account value was transferred from the Fixed SPECIMEN Account, we reserve the right, where permitted by state law, to require that premium payments be applied as loan repayments. ICC26 26PROVUL 16

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12. SURRENDERS AND WITHDRAWALS Surrender of the Policy You may surrender this policy upon Written Request for its Net Cash Surrender Value at any date prior to the death of the Life Insured. We will determine the Net Cash Surrender Value on the Surrender Date. We will process the request and pay the Net Cash Surrender Value only if we have not received due proof that the Life Insured died prior to the Surrender Date. After the Surrender Date, no insurance will be In Force. If you surrender the policy during the Surrender Charge Period, we will deduct a Surrender Charge from the Policy Value in calculating the Net Cash Surrender Value. The Surrender Charge and Surrender Charge Period are shown in Section 1. Withdrawals Once per Policy Month after the first Policy Year, you may request a withdrawal of part of the Net Cash Surrender Value if available. Requested withdrawals are subject to the following conditions: (a) without our approval, each withdrawal must be for at least the Minimum Withdrawal Amount shown in Section 1; (b) after the withdrawal, the remaining Net Cash Surrender Value must be at least equal to three times the Monthly Deductions at the time of the withdrawal; (c) we will process the withdrawal, thereby reducing the Policy Value, as of the end of the Business Day on which we receive your Written Request; (d) we will deduct a pro-rata Surrender Charge if the withdrawal reduces the Face Amount during the Surrender Charge Period; (e) we will reduce the amount of the withdrawal if it would otherwise cause the Face Amount to fall below the Minimum Face Amount shown in Section 1; (f) we will reduce the amount of the withdrawal if the amount in all accounts is not sufficient to pay the withdrawal and any pro-rata Surrender Charge; and (g) you may specify which Investment Accounts as well as the Fixed Account from which we should make the withdrawal. If we do not receive such instructions, we will allocate the deduction of the withdrawal and any pro-rata Surrender Charge in the same proportion that the value in the Fixed Account and the Investment Accounts bears to the Net Policy Value. If Death Benefit Option 1 is in effect at the time of the withdrawal, the Face Amount plus any amount payable under a supplementary benefit rider as a result of the Life Insured's death will be reduced. The reduction is equal to the amount of the withdrawal, if at the time of the withdrawal, the Face Amount plus any amount payable under a supplementary benefit rider as a result of the Life Insured's death is greater than or equal to the Minimum Death Benefit as described in Section 4; otherwise the reduction is equal to the amount (if any) by which the withdrawal exceeds (a) minus (b) with the result divided by (c), where: (a) is the Minimum Death Benefit; (b) is the Face Amount plus any amount payable under a supplementary benefit rider as a result of the Life Insured's death; and (c) is the applicable Minimum Death Benefit Factor for the Life nsured's Age as shown in the Tables of Rates in ection 2.The reduction described above will first reduce any amount payable under a supplementary benefit rider as a result of the Life nsured's death. f any death benefit payable under a supplementary benefit rider is exhausted by the reduction, then we will reduce the Face Amount by any remaining reduction.SPECIMEN f Death Benefit Option 2 is in effect at the time of the withdrawal, the olicy Value will be reduced but the Face Amount will not be reduced. Your Death Benefit will continue to be determined in accordance with Section 4, subject to this provision. ICC26 26PROVUL 17

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13. GRACE PERIOD If the Death Benefit Protection feature under your DBP Benefit is in default, has terminated, or the Policy Debt is greater than zero and exceeds the Policy Value, the policy and any supplementary benefit riders will go into default if at the beginning of any Policy Month the Net Cash Surrender Value is less than or equal to zero after we take the Monthly Deductions that are due for that month. We will allow 61 days from the date the policy goes into default for you to mail the Default Payment described below to bring the policy out of default. This is known as the Grace Period. Any payment sent by U.S. mail must postmarked within the Grace Period. At least 30 days prior to termination of coverage, we will send notice to your last known address, specifying the amount you must pay to bring the policy out of default. If we have notice of a policy assignment on file at our Service Office, we will also mail a copy of the notice of the amount due to the assignee on record. Default Payment The amount required to bring the policy out of default, referred to as the Default Payment, is the lesser of (a) or (b) where: (a) is an amount equal to (i) plus (ii) where: (i) is the amount necessary to bring the Net Cash Surrender Value to zero, if it is less than zero, at the date of default; and (ii) is the amount necessary to keep the Net Cash Surrender Value above zero for the next three Policy Months; (b) is the Death Benefit Protection Default Payment as described in the DBP Benefit. When payment is received in accordance with this Section, any Monthly Deductions that were due and unpaid during the Grace Period will be immediately deducted from the Net Premium and the remaining amount will be applied to the Policy Value. If the Default Payment has not been mailed by the end of the Grace Period, the policy will terminate. Upon termination of the policy, the remaining Net Cash Surrender Value, if any, will be paid to the owner. If the Life Insured dies during the Grace Period, we will deduct from the Insurance Benefit all Monthly Deductions due and unpaid as of the date of the Life Insured's death. No Insurance Benefit under the policy or any supplementary benefit riders will be in effect after the policy terminates. 14. POLICY TERMINATION This policy terminates on the earliest of the following events: (a) the end of the Grace Period if we have not received the amount necessary to bring the policy out of default; (b) surrender of the policy for its Net Cash Surrender Value; or (c) the death of the Life Insured. SPECIMEN ICC26 26PROVUL 18

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15. REINSTATEMENT If the policy terminates at the end of a Grace Period in which you did not make the Default Payment, you may apply for reinstatement within three years from the date of default. The policy cannot be reinstated if it has been surrendered for its Net Cash Surrender Value. The requirements for reinstatement are as follows: (a) we must receive Written Request for reinstatement; and (b) reinstatement is subject to approval based on our normal underwriting practices, including Evidence of Insurability for the Life Insured, and for any insureds covered under any supplementary benefit rider that you wish to reinstate. If we approve your request, (a) we must receive at our Service Office, within 60 days from the date of approval, a premium equal to the amount that was required to bring the policy out of default immediately prior to termination, plus the amount needed to keep the policy In Force for at least the next three Policy Months; (b) the reinstatement date will be the date we receive the required payment referenced in (a) above at our Service Office, until which time no coverage will be In Force; (c) the Face Amount will be reinstated to the same amount it was on the date the policy terminated; (d) any Surrender Charge will be reinstated to the amount it was at the date of default; (e) the remaining Surrender Charge Period, if any, will be the same as on the date of default; (f) the Policy Value on the date of reinstatement, prior to the crediting of any Net Premium paid on the reinstatement, will be equal to the Policy Value on the date the policy terminated; (g) at reinstatement, your Policy Value as well as the Net Premium received will be allocated to the Fixed Account and the Investment Accounts according to your current premium allocation instructions; and (h) the outstanding Policy Debt on the date of reinstatement will be equal to the Policy Debt on the date the policy terminated. You have the right at time of reinstatement to repay or reinstate any outstanding Policy Debt. The Suicide and Incontestability provisions will apply from the reinstatement date as described in Sections 20 and 21. 16. COVERAGE AT AND AFTER AGE 121 Provided the policy is In Force at the Life Insured's Age 121 we will continue the policy In Force thereafter subject to the stipulations stated below. Death Benefit The Death Benefit will be determined in the same manner as specified in Section 4. Premiums and Monthly DeductionsWe will not accept any further premium payments except for amounts required to keep the policy In Force. We will cease to take Monthly Deductions for charges listed in Section 1. Credited nterestWe will continue to credit interest to the Fixed Account no less frequently than annually. nterest is nonforfeitable after crediting. The portion of the olicy Value that is in an nvestment Account will continue to vary from day to day.Asset reditSPECIMEN The Asset Credit will no longer be credited to the olicy Value.Policy Debt and Default Loans will continue to be allowed as described in Section 11. Loan interest will continue to be charged if there is an outstanding loan. Loan repayments will be accepted as well as any amounts required to keep the policy In Force. The policy will go into default at any time the Policy Debt equals or exceeds the Policy Value, as described in Section 11 and Section 13. Withdrawals Withdrawals will not be allowed. ICC26 26PROVUL 19

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17. OWNER AND BENEFICIARY Until the Life Insured's death, you can receive any amount payable under the policy and exercise all rights and privileges granted by the policy. Change of Owner Until the Life Insured's death, you can change the ownership of the policy by Written Request. Unless specified by you, the change will take effect as of the date you signed the Written Request. It will not apply to any payments we made or any action we may have taken before we received your Written Request at our Service Office. Trustee OwnerShould the owner be a trustee, payment to the trustee(s) of any amount to which the trustee(s) is (are) entitled under the policy, either by death or otherwise, will serve as final settlement of the Insurance Benefit. Joint Ownership Two or more owners will own the policy as joint tenants with right of survivorship, unless otherwise requested on the application or in any subsequent assignment of the policy. On death of any of the owners, the deceased owner's interest in the policy passes to the surviving owner(s). Successor Owner If an owner dies prior to the death of the Life Insured, a named successor owner will, if then living, have all the owner's rights and interest in the policy. The owner can designate, cancel, or change the designation of successor owner prior to the death of the Life Insured by written agreement provided to us. The following four provisions will apply unless there is a beneficiary designation in effect that provides otherwise. Beneficiary Classification You can appoint beneficiaries for the Insurance Benefit in three classes: primary, secondary, and final. Beneficiaries in the same class will share equally in the Insurance Benefit payable to them. Payment To Beneficiaries We will pay the Insurance Benefit: (a) to any primary beneficiaries who are alive when the Life Insured dies; or (b) if no primary beneficiary is then alive, to any secondary beneficiaries who are then alive; or (c) if no primary or secondary beneficiary is then alive, to any final beneficiaries who are then alive. Change Of Beneficiary Until the Life Insured's death, you can change the beneficiary by Written Request unless you have made an irrevocable beneficiary designation. If an irrevocable beneficiary is named, such beneficiary cannot be changed without the written consent of the irrevocable beneficiary. We are not responsible if the change does not achieve your purpose. Unless otherwise specified by you, the change will take effect as of the date you signed such request. t will not apply to any payments we made or any action we may have taken before we received your Written Request.Death Of BeneficiarySPECIMEN f no beneficiary is alive when the Life nsured dies, the nsurance Benefit will be payable to you; or if you are the Life nsured, to your estate. Unless otherwise provided, if a beneficiary dies before the seventh day after the death of the Life Insured, we will pay the Insurance Benefit as if the beneficiary had died before the Life Insured. ICC26 26PROVUL 20

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18. ASSIGNMENT Your interest in this policy may be assigned with the written consent of any irrevocable beneficiary. Your interest, any interest of the Life Insured and of any revocable beneficiary shall be subject to the terms of the assignment, but such assignment shall not affect the interest of any irrevocable beneficiary. Unless otherwise specified by you, any assignment will take effect on the date the notice of assignment is signed by you; however, it will not apply to any payments made or actions taken by us prior to receipt of notice. We will not be on notice of any assignment unless it is in writing, nor will we be on notice until a copy of the original assignment has been received at our Service Office. We assume no responsibility for the validity or sufficiency of any assignment. 19. MISSTATEMENTS If the sex (if issued on a sex distinct basis) or age of the Life Insured was misstated in the application, we will, if necessary, change the Face Amount and every other benefit to that which would have been purchased at the correct sex (if issued on a sex distinct basis) or age by the most recent Cost of Insurance Charge. 20. SUICIDE If the Life Insured commits suicide, while sane or insane, within [two years] from the Issue Date or within [two years] from the effective date of a reinstatement, the policy will terminate on the date of such suicide and we will pay (in place of all other benefits, if any) an amount equal to the premiums paid less the amount of any Policy Debt on the date of death of the Life Insured and less any withdrawals. If the Life Insured commits suicide, while sane or insane, after [two years] from the Issue Date and within [two years] from the effective date of any increase in the Insurance Benefit requiring Evidence of Insurability, the benefits payable under the policy will not include the amount of such Insurance Benefit increase but will include the amount of premium that pertains to the increase. We reserve the right under this provision to obtain evidence of the manner and cause of death of the Life Insured. 21. INCONTESTABILITY Except for non-payment of premium and fraud in the procurement of this policy to the extent permitted by applicable state law, this policy shall be incontestable after it has been In Force for two years from the Issue Date during the lifetime of the Life Insured. Any contest will be based on material misrepresentations made in the application for this policy. In the case of reinstatement or any policy change requiring Evidence of Insurability, the original contestable period will continue to apply. In addition, a new two-year contestable period will apply from the effective date of such reinstatement or policy change during the lifetime of the Life Insured. Any contest will be based only on material misrepresentations made in the application for reinstatement or policy change, unless the original contestability period is not yet expired. Any premium payment that we accept subject to vidence of nsurability, and any increase in nsurance Benefit resulting from such payment, shall be considered a policy change for purposes of this ection. We reserve the right under this provision to obtain evidence of the manner and cause of death of the LifeSPECIMEN nsured.ICC26 26PROVUL 21

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22. THE CONTRACT The written application for the policy is attached at issue. The entire contract between the applicant and us consists of the policy, such application, and any riders and endorsements. However, additional Written Requests or applications for policy changes or acceptance of excess payment may be submitted to us after issue and such additional requests may, if approved, become part of the policy. All statements made in any application shall, in the absence of fraud, be deemed representations and not warranties. We will use no statement made by or on behalf of the Life Insured to defend a claim under the policy unless it is in a written application. An exchange of this policy for a new policy on a different plan may be made by agreement between you and us in accordance with our published rules in effect at that time. We reserve the right to make any changes necessary in order to keep this policy in compliance with any changes in federal or state tax laws. Other changes in this policy may be made by agreement between you and us. Only the President, Vice President, the Secretary, or an Assistant Secretary of the Company has authority to waive or agree to change in any respect any of the conditions or provisions of the policy, or to extend credit or to make an agreement for us. Addition of Post-Issue Riders You may apply to add any applicable supplementary benefit rider to your policy that we currently make available for addition after issue. Your application is subject to approval based on our then-current eligibility requirements for the issuance of the applicable supplementary benefit rider, which may include Evidence of Insurability. 23. RIGHT TO POSTPONE PAYMENT OF BENEFITS We reserve the right to postpone the payment of Net Cash Surrender Values, withdrawals, policy loans, and the portion of the Insurance Benefit that depends on Investment Account values, subject to the following: (a) for values in the Fixed Account, we reserve the right to defer surrenders for a period of up to six months. We also reserve the right to defer the payment of any loan for up to six months after application for the loan is received by us, except for any loan made to pay premiums due to the Company. We may also defer a withdrawal for a period of up to six months; (b) for values in the Investment Accounts, we reserve the right to defer the determination and payment of all benefits for any period during which: (i) the New York Stock Exchange (Exchange) is closed for trading (other than customary weekend and holiday closings), or trading on the Exchange is otherwise restricted; (ii) an emergency exists as defined by the Securities and Exchange Commission (SEC), or the SEC requires that trading be restricted; or (iii) the SEC permits a delay for the protection of policyholders. (c) we may also defer a transfer from the Fixed Account for a period of up to six months. We will disclose to the owner the specific date on which the transfer will be effective, the reason for the delay, and the value of the transfer as of the date the request is received by us. n addition, we may defer transfers under the circumstances stated in (i), (ii), and (iii) above, and in the Allocations and Transfers provision. 24. CLAIMS OF CREDITORS The proceeds and any income payments under the policy will be exempt from the claims of creditors to the SPECIMEN extent permitted by law. These proceeds and payments may not be assigned or withdrawn before becoming payable without our agreement.

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25. REPORTS TO OWNERWithin 30 days after each Policy Anniversary, we will send you a report at no charge showing: (a) the beginning and end dates of the current report; (b) the Death Benefit at the end of the current report period; (c) the amounts credited or debited to the Policy Value during the current period, identified by type; (d) the current allocation in the Fixed Account, the Loan Account, and each of the Investment Accounts at the end of the current report period; (e) the Loan Account balance, if any, at the end of the current report period; (f) the Cash Surrender Value, if any, at the end of the current report period; (g) the Policy Value, if any, at the beginning and at the end of the current report period; (h) if applicable, a notice stating that unless premium payments are made, assuming guaranteed mortality and expense charges and a 0% crediting rate of interest, the Net Cash Surrender Value will not be sufficient to maintain the policy In Force until the end of the next reporting period; and (i) any further information required by law. Upon request, we will provide you with a current policy illustration. We will provide one illustration annually without charge. For additional illustrations you request, we reserve the right to charge a reasonable fee, not to exceed $50. 26. HOW VALUES ARE COMPUTEDWe provide Cash Surrender Values that are at least equal to those required by law, or pursuant to the NAIC Variable Life Insurance Regulation, model #270 using Actuarial Guideline XXIV. We base any minimum Cash Surrender Values on the Commissioners Standard Ordinary Mortality Tables, as described in Section 1. A detailed statement that describes the mortality table, interest rate, and method used in calculating cash values and a statement of the basis of the charges and the method of computation of this policy has been filed with the Interstate Insurance Product Regulation Commission. 27. QUALIFICATION AS LIFE INSURANCE It is intended that this policy comply with the definition of a "life insurance contract" set forth in the federal income tax laws so that, notwithstanding any other provisions of the policy to the contrary, it will be considered as life insurance for federal income tax purposes. We reserve the right to make any reasonable adjustments to the terms or conditions of this policy if it becomes necessary to allow it to qualify as life insurance. This provision should not be construed to guarantee that this policy will receive tax treatment as life insurance or that the tax treatment of life insurance will never be changed by the future actions of any tax authority. This policy uses the Cash Value Accumulation Test as its life insurance qualification test. Under this test, the Minimum Death Benefit, as described in Section 4, must be maintained. Federal tax law is currently unclear as to the tax status of a life insurance policy after the Life nsured reaches Age 100. Any policy continued beyond Age 100 may not qualify as life insurance for tax purposes and may be subject to adverse tax consequences. lease consult a tax advisor before choosing to continue this policy after Age 100. ffect of olicy hanges on Life nsurance Qualification TestA change in Death Benefit Option, Face Amount, Risk Classification, Additional Rating, or certain other SPECIMEN policy changes, will often change the policy's limits under federal income tax law. f the policy change would result in the inimum Death Benefit exceeding the Face Amount, we reserve the right to: (a) distribute to you a portion of the Policy Value such that the resulting Minimum Death Benefit does not exceed the Face Amount; or (b) accept the additional Death Benefit subject to our normal underwriting practices including Evidence of Insurability. ICC26 26PROVUL 23

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28. INTEREST ON PROCEEDS We will pay interest on the Insurance Benefit proceeds as follows: (a) interest shall accrue and be payable from the date of the Life Insured's death; (b) interest shall accrue at the rate or rates applicable to the policy for funds left on deposit or, if we have not established a rate for funds left on deposit, at the Two-Year Treasury Constant Maturity Rate as published by the Federal Reserve. In determining these rates, we will use the rate in effect on the date of death; (c) interest shall accrue at the effective annual rate determined in item (b) above, plus additional interest at a rate of 10% annually beginning with the date that is 31 calendar days from the latest of items (i), (ii), and (iii) to the date the claim is paid, where it is: (i) the date that due proof of death is received by us; (ii) the date we receive sufficient information to determine our liability, the extent of the liability, and the appropriate payee legally entitled to the proceeds; and (iii) the date that legal impediments to payment of proceeds that depend on the action of parties other than the Company are resolved and sufficient evidence of the same is provided to the Company. Legal impediments to payment include, but are not limited to: (a) the establishment of guardianships and conservatorships; (b) the appointment and qualification of trustees, executors, and administrators; and (c) the submission of information required to satisfy state and federal reporting requirements. 29. CONFORMITY WITH INTERSTATE INSURANCE PRODUCT REGULATIONCOMMISSION STANDARDS This policy form was approved under the authority of the Interstate Insurance Product Regulation Commission and issued under the Commission's standards. Any provision of this policy that on the provision's effective date is in conflict with the applicable Interstate Insurance Product Regulation Commission standards for this product type in effect as of the provision's effective date of Commission policy approval is hereby amended to conform to the applicable Interstate Insurance Product Regulation Commission standards in effect as of the provision's effective date of Commission policy approval. SPECIMEN ICC26 26PROVUL 24

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Communications about this policy may be sent to the Company's Service Office, which is currently at [200 Berkeley Street, Boston, Massachusetts 02116-5023]. Our toll-free number is [1-800-387-2747]. Flexible Premium Variable Universal Life Insurance policy Benefits, Values, eriods of overage, and remiums are on an indeterminate basis. Benefit payable on Life nsured's death Flexible premiums payable to Age 121 during the Life nsured's lifetimeSPECIMEN Non- articipating (ot eligible for dividends) ICC26 26PROVUL

## Exhibit 99.30

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Service Office: Application For Individual Life Insurance Life New Business JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) John Hancock (hereinafter referred to as The Company or John Hancock) 410 University Ave, Suite 55765 Westwood, MA 02090 If applying for Survivorship Coverage, please also complete Survivorship Supplement for Second Life ICC19 NB6001. Print and use black ink. Any changes must be initialed by the Proposed Insured and the Policy Owner. IMPORTANT NOTICE: Your application is a critical source of information for consideration of your request for insurance coverage. Therefore: • We strongly urge you to be complete and accurate in your responses so that we may provide you with the best coverage we can. • If we determine that your answers on this application are incorrect, incomplete, or untrue, it will delay your application, and The Company may have the right to deny benefits or terminate coverage. SECTION A: Proposed Insured 1. Name FIRST MIDDLE LAST 2. Sex X Male Female JOHN M. DOE 3. Date of Birth 4. Place of Birth STATE/COUNTRY 5. Social Security Number MONTH DAY YEAR O C T 0 4 1 9 7 1 ANYTOWN USA 1 2 3 4 5 6 7 8 9 6. Driver's License Number/State 7. Citizenship X US Non US—Country of Citizenship 1234567890 AS Type of Green Card/VISA 8. Primary Residence STREET ADDRESS CITY STATE ZIP CODE 1999 MARCH STREET ANYTOWN, ANYSTATE 12345 9. Telephone Number 10. Email Address Your email is required so we may communicate with you about your policy online X Cell 905-123-4567 Home Work johndoe@hotmail.com 11. Occupation X Job/Duties COMPANY PRESIDENT Employed by ABC COMPANY Student Homemaker Unemployed X Retired Other 12. Are you currently a member of the armed forces, including the reserves? X Yes No If Yes, complete Military Personnel Financial Services Disclosure Regarding Insurance Products NB5109 13. Gross Annual Household Income 14. Household Net Worth Salary $300,000 Other $100,000 $2.6 M 15.In the last 5 years, has the Proposed Insured or any business of which he/she is a partner/owner/executive been bankrupt, had any liens, or judgements? Yes X No—If Yes, provide details including discharge date ICC22 NB6000 (01/2022) 1 of 13 VERSION (01/2022)

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SECTION B: Policy Owner • Complete if Policy Owner is someone other than the Proposed Insured • List additional Policy Owners and details in SECTION K: ADDITIONAL INFORMATION 16. a. Policy Owner Type b. Policy Owner Relationship X Individual Business Existing Trust Trust to be Established X Spouse Child Trust If Trust Owner, complete the Trust Certification PS5101 Business Partner Employer If Partnership Owner, complete the Partnership Statement PS7800US Other Other c. Name or Entity/Trust Name FIRST MIDDLE LAST JAMES M. DOE d. Date of Birth or Trust Date (if applicable) e. Social Security OR Tax ID MONTH DAY YEAR X DOB X SSN 0 2 3 4 5 6 7 8 9 O C T 3 0 2 0 0 9 MONTH DAY YEAR Trust Date Tax ID f. Address STREET ADDRESS CITY STATE ZIP CODE 1999 MARCH STREET ANYTOWN, ANYSTATE 12345 g. Telephone Number h. Email Address Your email is required so we may communicate with you about your policy online Cell Home johndoe@hotmail.com Work 17. Multiple Policy Owners—Type of Ownership X Joint with right of survivorship Tenants in common 18. Is the Policy Owner a Non US Person or a Non Resident Alien? X Yes No If Yes, Complete IRS Form W-8BEN for individuals 19. Tax Classification for Owners that are not Individuals: If the owner of the contract is not an individual, please check the appropriate box below to indicate how the owner is taxed for federal income tax purposes. We use this information to determine our obligations under the tax laws for withholding and information reporting. If you do not check a box, we will apply the federal default presumption rules. Trust Estate Partnership C Corporation S Corporation LLC taxed as Partnership LLC taxed as C Corporation LLC taxed as S Corporation Other (please specify, for example, Charity, Qualified Retirement Plan, Non-Profit) For a single-member limited liability company (LLC) treated as a disregarded entity, please provide below the name, taxpayer identification number and tax classification of the owner of the LLC. a. Name b. Tax ID c. Tax Classification ICC22 NB6000 (01/2022) 2 of 13 (US) VERSION (01/2022)

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SECTION C: Beneficiary Information • This section is to be completed by Policy Owner • Beneficiary listed in question 20 is always assigned as Primary • List additional beneficiaries in SECTION K: ADDITIONAL INFORMATION 20. a. Name or Entity/Trust Name FIRST MIDDLE LAST b. Percentage JUDY M. DOE 100 % c. Relationship to Proposed Insured d. Date of Birth or Trust Date (if applicable) MONTH DAY YEAR Spouse X Child Trust Business Partner X DOB O C T 3 0 2 0 0 9 Employer Other MONTH DAY YEAR Trust Date e. Social Security OR Tax ID f. Telephone Number 905 123-4567 X SSN 0 2 3 4 5 6 7 8 9 Tax ID g. Email Address judydoe@hotmail.com h. Address STREET ADDRESS CITY STATE ZIP CODE 1999 MARCH STREET ANYTOWN, ANYSTATE 12345 21. a. Name or Entity/Trust Name FIRST MIDDLE LAST b. Percentage % c. d. Relationship to Proposed Insured e. Date of Birth or Trust Date (if applicable) MONTH DAY YEAR Primary Spouse Child Trust Business Partner DOB Secondary Employer Other MONTH DAY YEAR Trust Date f. Social Security OR Tax ID g. Telephone Number SSN Tax ID h. Email Address i. Address STREET ADDRESS CITY STATE ZIP CODE ICC22 NB6000 (01/2022) 3 of 13 (US) VERSION (01/2022)

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SECTION D: Coverage Details • This section is to be completed by Policy Owner • Refer to your illustration for riders and benefits selected 22. Product Name (see Policy Illustration Summary Page) JH UNIVERSAL LIFE 23. Flexible Premium Products X Universal Life If applying for Indexed UL, complete Premium Allocation Instructions ICC21 NB6017 Variable Universal Life Complete Fund Allocation ICC20 NB6016 a. X Single Life Survivorship Complete Survivorship Supplement for Second Life ICC19 NB6001 b. X Base Face Amount $250,000 Supplemental Face Amount $(not available with all products) Level Increasing by % for Years Customized Increasing Schedule Complete Customized Schedule NB5064 c. Death Benefit Option X Option 1 (Death Benefit = Face Amount) Option 2 (Death Benefit = Face Amount + Policy Value) d. Life Insurance Qualification Test X Guideline Premium Test (GPT) Cash Value Accumulation (CVAT) e. Riders and Benefits (Refer to instruction page for riders and benefits available per product) Accelerated Death Benefit (for terminal illness) Complete Summary and Disclosure Statement for Accelerated Benefit NB1237 Long-Term Care Rider Complete Application Supplement (Long-Term Care Rider) ICC13 NB5018 X Critical Illness Benefit Rider Complete Application Supplement: Individual Insurance Critical Illness Benefit Rider NB5230 Cash Value Enhancement Rider Policy Split Option Rider Healthy Engagement (Vitality PLUS) Rider Return of Premium Rider (Death Benefit Option 1 only) Disability Payment of Specified Premium Rider Percentage of premiums to be returned at death Monthly Specified Amount $(Whole numbers only. Maximum 100%) % Estate Preservation Rider Preliminary Funding Account Overloan Protection Rider Other John Hancock Aspire – a solution for people living with diabetes (not available in ID) 24. Term Products (choose at least one product and duration) X Protection Term: X 10 Years 15 Years 20 Years 30 Years Other OR Vitality Term: 10 Years 15 Years 20 Years 30 Years Other This product automatically includes the Vitality PLUS Program, which provides premium savings and rewards for the everyday things you do to stay healthy. Your premiums may decrease, stay level, or increase based on insured's participation in the program. The Vitality PLUS Program cannot be dropped at a later date, as it is a built-in feature of this product. a. Face Amount $ b. Riders and Benefits (if applicable) Total Disability Waiver Accelerated Death Benefit (for terminal illness) Complete Summary and Disclosure Statement for Accelerated Benefit NB1237 Unemployment Protection Rider Healthy Engagement (Vitality PLUS) Rider (Protection Term only) When you select this rider, the Vitality PLUS Program will be included with your Protection Term Life insurance policy. Your premiums may stay level or decrease (but never increase) based on insured's participation in the program. The Healthy Engagement Rider can be dropped at any time. The rider is not available on the Vitality Term product. Other John Hancock Aspire – a solution for people living with diabetes (not available in ID) 25. If an additional or optional John Hancock policy is being applied for by the Policy Owner in a separate application, state plan and face amount. Plan Name Face Amount $ ICC22 NB6000 (01/2022) 4 of 13 VERSION (01/2022)

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SECTION E: Purpose and Funding Information • This section is to be completed by Policy Owner • List additional information in SECTION K: ADDITIONAL INFORMATION • All Premium Notices and Correspondence are sent to the Policy Owner at the address provided in Section B 26. a. Billing Method Pre-Authorized Payment Plan Complete Request for Pre-Authorized Payment Plan NB5087 X Direct Bill (not available for monthly billing) b. Please select billing frequency X Annual Semi-Annual Quarterly Monthly (Pre-Authorized Payment Plan only) 27. Existing Life Insurance a. Does the Policy Owner have any existing life insurance and/or annuities with this or any other company? X Yes If Yes, refer to the Instructions for Application for Individual Life Insurance regarding additional required Replacement forms No b. Will this insurance replace or change any existing life insurance policies and/or annuities, or are you, the Policy Owner, considering using funds from existing policies or annuities to pay premiums on the new policy? X Yes If Yes, refer to the Instructions for Application for Individual Life Insurance regarding additional required Replacement forms No 28. Purpose of Insurance X Income Replacement Estate Planning Business Insurance Complete Financial Supplement for Business Insurance ICC20 NB6014 Other—give details 29. Lapse Notification Handling Secondary Addressee: In addition to the Policy Owner, The Company will mail lapse notices for overdue premiums to any Secondary Addressee you designate. If you want this option, provide the following information for the Secondary Addressee: a. Name FIRST MIDDLE LAST b. Date of Birth MONTH DAY YEAR JUDY M. DOE O C T 3 0 2 0 0 9 c. Address STREET ADDRESS CITY STATE ZIP CODE 1999 MARCH STREET ANYTOWN, ANYSTATE 12345 30. a. Other than the Policy Owner, Proposed Insured(s) and beneficiaries specified herein, does or will any person or entity have any right, title or interest in any policy issued as a result of this application? Yes X No—If Yes, give details b. Have you been offered money or other consideration by any person or entity in connection with this application? Yes X No—If Yes, give details 31. Premium (Payment) Source X Income Liquidated Assets—give details Premium Financing—give details Proceeds from Sold or Viaticated policy—give details Loan If you checked Loan, complete Question 32 a, b, and c on next page Other—give details SECTION E: Purpose And Funding Information continues on next page ICC22 NB6000 (01/2022) 5 of 13 VERSION (01/2022)

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SECTION E: Purpose And Funding Information (continued) Only complete question 32, a, b and c if 'Loan' was selected in question 31 32. a. Name all lenders involved b. What amount and type of collateral is required to secure the loan and/or loans? Amount $ Type of collateral c. In addition to repayment of principal and interest, are there other fees, charges or other consideration to be paid? Yes No—If Yes, give details SECTION F: Existing, Replacement, And Pending Insurance Information • This section is to be completed by Proposed Insured • List additional policies in SECTION K: ADDITIONAL INFORMATION 33. a. Is the Proposed Insured under this application also an insured on any other existing life insurance policy, including any policy that has been sold, assigned, transferred or settled? Yes X No If you checked Yes, complete Question 33b b. If Yes, provide details for each existing Life Insurance policy on the Proposed Insured with all companies SOLD, ASSIGNED FACE AMOUNT TO BE 1035 TRANSFERRED INCLUDING INSURANCE PURPOSE SURVIVORSHIP REPLACED EXCHANGE OR SETTLED RIDERS INSURANCE COMPANY YEAR PERSONAL BUSINESS ISSUED YES NO YES NO YES NO YES YEAR $$34. a. If life insurance coverage is being applied for on the Proposed Insured with any other company, provide the face amount of all applications and name of the life insurance company. Do not include informal inquiries. If "None" check this box X INSURANCE COMPANY FACE AMOUNT INCLUDING RIDERS $$ b. What is the total amount of new life insurance coverage that will be placed in force with all companies including this application? (Do not include existing inforce policies) $ ICC22 NB6000 (01/2022) 6 of 13 (US) VERSION (01/2022)

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SECTION G: Personal Information • This section is to be completed by Proposed Insured as it pertains to his or her own personal history 35. The information you provide in this application is critical to our consideration of your request for insurance coverage. You are strongly urged to answer all questions completely and accurately so that we may provide you with the best coverage we can. We will seek information from other sources to assist us with evaluating your application, potentially including your health care provider. If your answers are incorrect, incomplete or untrue, it will delay your application, and The Company may have the right to deny benefits or terminate coverage. Please know that your personal information, including health information, is protected by The Company and only used by The Company to do business with you, and as permitted or required by law. X Initial here to acknowledge that you have carefully reviewed and fully understand the above statement. 36. a. Primary Physician Name FIRST LAST Check if Proposed Insured does ARTHUR H. SMITH not have a physician . b. Name of Medical Group/Clinic (if applicable) c. Address STREET ADDRESS CITY STATE ZIP CODE d. Telephone Number 123 MAIN STREET ANYTOWN, ANYSTATE 12347 905 123-4567 e. Date of last visit f. Reason for last visit, outcome and treatment prescribed MONTH DAY YEAR J A N 1 5 2 0 1 4 ANNUAL CHECK-UP — NONE 37. Provide name, address, and phone number of any other specialists or members of the medical profession consulted in the past 24 months. Please include details for specialty type, date last seen, and reason for last visit. • If you need more space, continue listing in SECTION K: ADDITIONAL INFORMATION. 38. Describe your complete tobacco/nicotine products usage history, including but not limited to: cigarettes, e-cigarettes, cigars, pipe, chewing tobacco, snuff, hookah, nicotine patch, nicotine gum. NOTE: Tobacco use does not automatically nor necessarily result in denial of coverage. • If products used exceed the allotted space below, list the remainder in SECTION K: ADDITIONAL INFORMATION QUANTITY AND UNIT DATE LAST USED TYPE OF PRODUCT (Ex. Packs, cigarettes, patches, etc.) FREQUENCY (MONTH/YEAR) # Unit Type Day Month Year # Unit Type Day Month Year X I have never used nicotine/tobacco products SECTION G: Personal Information continues on next page ICC22 NB6000 (01/2022) 7 of 13 (US) VERSION (01/2022)

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SECTION G: Personal Information (continued) 39. Describe your marijuana use in the past 5 years. NOTE: Marijuana use does not automatically nor necessarily result in denial of coverage PURPOSE Date Last Used Recreational/Social MONTH YEAR Medicinal – Provide Prescription Card ID FREQUENCY DELIVERY METHOD times per Day Month Year Ingested Vaporized Inhaled X I have not used marijuana in the past 5 years SECTION H: Lifestyle Information • This section is to be completed by Proposed Insured as it pertains to his or her own lifestyle history 40. Describe your exercise routine, such as walking, running, treadmill, swimming, aerobics, strength training, cycling, sports or yoga. • If exercises exceed the allotted space below, list the remainder in SECTION K: ADDITIONAL INFORMATION TYPE OF EXERCISE FREQUENCY TIME SPENT PER SESSION Daily 1-3 x/week 4-6 x/week hours minutes Daily 1-3 x/week 4-6 x/week hours minutes X I do not participate in an exercise routine 41. Have you ever had an application for life insurance declined, postponed, rated substandard, modified, requiring extra premium, or offered less than applied for by any insurance company? Yes X No If Yes, give details of decision type, reason, date and name of company 42. In the past 12 months, have you missed more than 10 consecutive days of work, school, or your daily/regular activities because of illness, injury, or medical treatment? Yes X No If Yes, provide details SECTION H: Lifestyle Information continues on next page ICC22 NB6000 (01/2022) 8 of 13 (US) VERSION (01/2022)

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SECTION H: Lifestyle Information (continued) 43. Do you expect to travel outside the U.S. or Canada, or change your country of residence in the next 2 years? Yes X No If Yes, give details of location (city/country), purpose, frequency and duration 44. a. Have you ever flown or do you intend to fly in the next 2 years as a student pilot, licensed pilot, or crew member in any aircraft, including ultralight planes? Yes X No If Yes, complete Aviation Questionnaire ICC16 NB6009 b. Have you ever or do you intend to participate in the next 2 years in a suborbital, orbital or lunar spacecraft flight for professional, recreational or any other purposes? Yes X No 45. Please indicate any of the following activities you participate in or have participated in, within the last 2 years: Motorcycle racing Scuba diving Power boat racing Skydiving/Parachuting Mountain climbing Ballooning Hang-gliding Backcountry skiing/snowmobiling Bungee/base jumping Heli skiing X Motor vehicle racing I do not participate in any of these activities If any activities selected, complete Avocation Questionnaire ICC16 NB6010 46. Please indicate which of the following apply to your driving history: Convicted of 1 or more moving violations in the past 2 years Convicted of driving while intoxicated or otherwise impaired License is currently revoked or suspended X None of these apply to me Give details (please include type of violation and date) 47. Have you ever been convicted of, plead guilty for, or are you currently awaiting trial for any misdemeanor or felony? Yes X No If Yes, give details of type, date, city/state of felony and/or crime and if currently on probation or parole 48. Have you had a life insurance medical exam completed in the last 12 months with any company? Yes No If Yes, complete Part II Medical Supplement ICC16 NB6007 If yes, provide company name and date of exam SECTION I: Juvenile Insurance • Complete only if Proposed Insured is under age 18 49. a. Are all siblings equally insured? Yes No If No, give details b. Amount of life insurance currently in force or pending for: Mother $ If none, provide reason: Father $ If none, provide reason: Guardian $ If none, provide reason: ICC22 NB6000 (01/2022) 9 of 13 VERSION (01/2022)

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SECTION J: Temporary Life Insurance Agreement Application • You may be eligible for Temporary Life Insurance Coverage. Please speak with your Agent/Representative for details on the amount and benefit period. This section is to be completed only if you are applying for Temporary Life Insurance. Instructions for Agent/Representative • Money may only be collected with this application and the Temporary Life Insurance Receipt and Agreement ICC16 NB6004 may only be issued if: 1. questions 50, 51 and 52 are answered "No" 2. the Proposed Insured is age 20 to 70 3. the amount applied for under this application is not greater than $10,000,000 (single life) or $15,000,000 (survivorship) Note: Temporary Life Insurance questions must be answered by both insureds if Survivorship coverage is being applied for. See Survivorship Supplement for Second Life ICC19 NB6001. 50.Within the last 24 months, has the Proposed Insured under this application: PROPOSED INSURED a. consulted a member of the medical profession for, been diagnosed with or been treated for any Yes X No heart problem, stroke or cancer? b. received a recommendation (excluding HIV) from a member of the medical profession for any Yes X No consultation, testing, investigation or surgery that has not yet been completed? c. been declined for life insurance? Yes X No 51. Other than planned routine check-ups, in the last 24 months have there been any pending medical tests Yes X No or follow-up for medical concerns or symptoms (excluding HIV) for which a medical professional should be consulted? 52. Does the Proposed Insured reside outside the United States more than 6 months per year? Yes X No SECTION K: Additional Information • This is an additional section if more space is required for any of the previous sections, e.g. listing additional beneficiaries from SECTION C, listing additional policies from SECTION F, listing additional tobacco products from SECTION G, etc. QUESTION SECTION DETAILS NUMBER SECTION L: Special Instructions ICC22 NB6000 (01/2022) 10 of 13 VERSION (01/2022)

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Read the following carefully and sign next page DECLARATIONS The Proposed Insured (or Parent or Guardian) and Policy Owner declare that the statements and answers in this application and any form that is made part of this application are complete and true to the best of their knowledge and belief. All such statements and answers are representations, not warranties. In addition, I/we understand and agree that: 1. Policy Application: The statements and answers in this application, which include any supplemental form relating to health, aviation practices, financial information or lifestyle of the Proposed Insured, will become part of and be attached to the insurance policy issued as a result of this application. No information about me will be considered to have been given to The Company unless it is stated in the application or any form that is made part hereof. 2. Policy Effective Date: a) Any life insurance policy issued as a result of this application will be effective on the later of the date the first premium has been paid in full and the date the policy has been delivered to the Policy Owner, provided that the Proposed Insured is still living and nothing has occurred that would require a change in any statement or answer in any part of the application, including any supplemental forms, in order to make the statement or answer true and complete as of the date this policy becomes effective. If there has been such an occurrence: (i) if there is no Temporary Life Insurance Agreement (TIA) coverage, the policy will not be put into effect, and (ii) if there is TIA coverage and the TIA has not ended, the policy will be put into effect but only to the limit of the TIA coverage amount. b) If premiums are paid prior to delivery of the policy and the terms and conditions of the TIA are satisfied, insurance prior to the effective date shall be provided under the TIA and according to its terms. c) Only an officer of The Company may make, modify, or discharge any insurance contract on its behalf. No agent has the authority to: (i) accept risks; (ii) determine insurability; (iii) make or modify any contractual provision; or (iv) waive any of The Company's rights or requirements. 3. Employer Owned Policies: The Proposed Insured confirms that they have received, prior to issue, written notice that indicates: (i) the employer's intent to insure the Proposed Insured, (ii) the maximum amount of the insurance to be issued on the life of the Proposed Insured and (iii) that the employer will be the beneficiary of the new policy. The Proposed Insured also confirms that they have provided written consent to being insured and that such coverage may continue after employment terminates. 4. Fraud Warning: Any person who knowingly presents a false statement in an application for insurance may be guilty of a criminal offense and subject to penalties under state law. 5. Variable Policies: I/We acknowledge that the policy values that are based on the separate account assets are not guaranteed and will decrease or increase with investment experience. I/We acknowledge receipt of the current prospectuses and supplements that describe the variable life insurance policy applied for and the sub-accounts of the separate account that are available under this policy. I/We have reviewed the prospectuses and supplements and believe that the variable life policy is consistent with my/our insurance needs, investment objectives and investment risk tolerance. 6. Flexible Premium Policies: I/We understand that I/we may need to pay additional premiums in addition to the Planned Premium if the current policy charges or actual interest rate credited/investment performance are different from the assumptions used in the illustration (assuming the requirements of any applicable guaranteed death benefit feature have not been satisfied). 7. Temporary Insurance Coverage: If coverage under a TIA is applied for, I have received, read and understand the terms and conditions of the Temporary Life Insurance Receipt and Agreement ICC16 NB6004. 8. Healthy Engagement Benefit: If a policy is issued with the Healthy Engagement rider or benefit (the Benefit), the Proposed Insured will receive a membership in a healthy engagement program offered by a third party program provider. By applying for the Benefit, the Proposed Insured authorizes The Company to share his/her personal information, including certain health information, with the provider in connection with the registration for the program and administration of the Benefit. The Proposed Insured understands and agrees that (i) his/her program membership will be subject to the provider's privacy policy and terms and conditions of membership, which the Proposed Insured should read prior to joining the program, and (ii) he/she will be asked to authorize the provider to share his/her health, lifestyle, medical or other personal information with The Company. The Proposed Insured will not be eligible to participate in the program if the terms and conditions of membership are not accepted. Upon termination of the policy or rider, as applicable, the program membership will terminate and access to further benefits and incentives, if any, will cease as provided in the terms and conditions. The Company is not responsible or liable for any damage, loss or injury arising out of the Proposed Insured's participation in any third party healthy engagement programs or receipt of any products or services provided through such programs. ICC22 NB6000 (01/2022) 11 of 13 VERSION (01/2022)

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Read carefully and sign below I, THE PROPOSED INSURED, AUTHORIZE: 1. The Company to obtain consumer reports including but not Information collected under this authorization will be limited to motor vehicle records and investigative consumer used to evaluate my application for insurance, identify any reports on me. misrepresentation in the information provided by me in this application, administer coverage, evaluate a claim for benefits, 2. Any medical professional, medical care provider, hospital, for reinsurance or other insurance purposes, or to conduct clinic, laboratory, pharmacy or pharmacy benefit manager, other legally permissible activities. I authorize The Company, or electronic health record provider, insurance company, the its reinsurers, to make a brief report of my health information MIB, LLC ("MIB") or any other similar person or organization to to MIB. disclose health information about me or any minor child who is to be insured. Health information includes: (i) my entire medical This authorization is valid for 24 months from the date shown record and medical history, prescription history, and other below or for the time limit, if any, permitted by applicable law health information; (ii) confidential information related in the state where the policy is delivered or issued for delivery, to Human Immunodeficiency Virus (HIV), other communicable whichever period is shorter. A photocopy of this authorization diseases and mental illness (excluding psychotherapy notes) and will be as valid as the original. I am entitled, or my authorized (iii) genetic information and genetic test results, to the extent representative is entitled, to a copy of this authorization. permitted by law. I understand that I can revoke this permission to collect 3. Any financial professional, CPA, attorney, personal banker or information at any time by providing written notification to any other similar person or organization to disclose financial/net John Hancock Life Insurance Company (U.S.A.) at the Service worth information about me. Office address (page 1) Attention: Chief Underwriter, but any revocation will not affect such information that has already Such disclosure of my information may be made to been collected and relied on by The Company. The Company, its affiliated companies, agents, service providers, reinsurers, MIB or any person or entity entitled to I acknowledge receipt of the Notice of Disclosure of receive such information by law or as I may further consent. Information relating to the underwriting process, investigative consumer reports and the MIB. SECTION M: Tax Certification Certification required of U.S. persons only (including U.S. citizens, U.S. resident aliens, or other U.S. persons). Under penalties of perjury, I certify that: 1. The number shown on this form is my correct taxpayer identification number, 2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and 3. I am a U.S. citizen or other U.S. person, including a U.S. resident alien (as defined in the IRS Form W-9 instructions). Certification Instructions: You must check the box below if you have been notified by the IRS that you are currently subject to backup withholding because you failed to report all interest and dividends on your tax return. I am subject to backup withholding as a result of a failure to report all interest and dividends. Please note that, by signing this form, you declare that you make the tax certifications, contained in the box above, under penalties of perjury. Under penalties of perjury, I certify the above tax statements. The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to prevent backup withholding. X SIGNATURE OF POLICY OWNER DATE ICC22 NB6000 (01/2022) 12 of 13 (US) VERSION (01/2022)

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SECTION N: Signatures If Proposed Insured is under age 15, Parent or Guardian must sign on the Proposed Insured Signature Line and include relationship. X SIGNATURE OF POLICY OWNER (PROVIDE TITLE OR CORPORATE SEAL, IF SIGNING OFFICER) POLICY OWNER—SIGNED AT CITY STATE THIS DAY OF YEAR X SIGNATURE OF PROPOSED INSURED IF OTHER THAN POLICY OWNER (PARENT OR GUARDIAN IF UNDER AGE 15) AGENT SIGNATURE I certify that all the information supplied by the Proposed Insured and Owner(s) has truly and accurately been recorded on the application. X SIGNATURE OF AGENT/REPRESENTATIVE DATE ICC22 NB6000 (01/2022) 13 of 13 (US) VERSION (01/2022)

## Exhibit 99.30

**<u>FUND PARTICIPATION AGREEMENT</u>**

**THIS AGREEMENT** is made as of April 27, 2026, between Northern Lights Fund Trust II, an open-end management investment company organized as a Delaware statutory trust (the "Trust"); John Hancock Life Insurance Company (U.S.A.) ("JHUSA"), a Michigan life insurance company originally organized under the laws of the State of Maine, and John Hancock Life Insurance Company of New York ("JHNY"), a life insurance company organized under the laws of, and domiciled in, the State of New York, each on its own behalf and on behalf of each of its respective segregated asset accounts set forth on Schedule A, as the Parties hereto may amend from time to time (the "Accounts") (JHUSA and JHNY being referred to herein collectively as the "Company"); and M Holdings Securities Inc., a corporation organized under the laws of the State of Oregon and principal underwriter/distributor of the Portfolios as defined below (the "Distributor") (individually, a "Party," and collectively, the "Parties").

**<u>W I T N E S S E T H:</u>**

**WHEREAS,** the Trust has registered with the Securities and Exchange Commission ("SEC") as an open-end management investment company under the Investment Company Act of 1940, as amended (the "1940 Act"), and has registered the offer and sale of its shares ("Shares") under the Securities Act of 1933, as amended (the "1933 Act"); and

**WHEREAS,** the beneficial interest in the Trust is divided into several series of Shares, each series representing an interest in a particular managed portfolio of securities and other assets, and the Trust will make Shares of those portfolios listed on Schedule B hereto as the Parties hereto may amend from time to time (each a "Portfolio"; reference herein to the "Trust" includes reference to each Portfolio, to the extent the context requires) available for purchase by the Accounts; and

**WHEREAS,** the Trust desires to have the Portfolios act as an investment vehicle for separate accounts established for variable life insurance policies and variable annuity contracts issued by insurance companies that enter into participation agreements with the Trust (the "Participating Insurance Companies"); and

**WHEREAS,** the Company is the issuer of certain variable annuity contracts and variable life insurance contracts as set forth on Schedule A hereto, as the Parties hereto may amend from time to time, which Contracts (hereinafter collectively, the "Contracts"), are registered under the 1933 Act or are exempt from registration thereunder; and

**WHEREAS,** the Company funds the Contracts through the Accounts, each of which may be divided into two or more subaccounts ("Subaccounts"; reference herein to an "Account" includes reference to each Subaccount thereof to the extent the context requires); and

**WHEREAS,** the Company serves as the depositor of the Accounts, each of which is registered as a unit investment trust investment company under the 1940 Act or is exempt from registration thereunder, and the security interests deemed to be issued by the Accounts under the

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Contracts are registered as securities under the 1933 Act or are exempt from registration thereunder; and

**WHEREAS,** the Company intends to purchase Shares of one or more Portfolios to serve as an investment vehicle of the Accounts; and

**WHEREAS,** the Parties acknowledge and agree that the respective rights, obligations, responsibilities, and liabilities of JHUSA and JHNY under this Agreement shall be several and not joint;

**NOW, THEREFORE,** in consideration of their mutual promises, the Parties agree as follows:

ARTICLE I

<u>Sale of Trust Shares</u> 

1.1 (a) The Trust shall make Shares of its Portfolios available to the Accounts at the net asset value of the applicable Portfolio next computed after receipt of such purchase order by the Trust (or its agent), as established in accordance with the provisions of the then current prospectus of the Portfolio. For purposes of this Agreement, the term "prospectus" shall include the summary prospectus, described in Rule 498 under the 1933 Act, as well as the statutory prospectus, described in Section 10 under the 1933 Act. Shares of a particular Portfolio of the Trust shall be ordered in such quantities and at such times as determined by the Company to be necessary to meet the requirements of the Contracts. Notwithstanding anything to the contrary herein, the Trustees of the Trust (the "Trustees") may refuse to sell Shares of any Portfolio to any person, or suspend or terminate the offering of Shares of any Portfolio if such action is required by law or by regulatory authorities having jurisdiction or is deemed in the sole discretion of the Trustees acting in good faith and in light of their fiduciary duties under federal and any applicable state laws, in the best interests of the shareholders of such Portfolio.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The Parties hereto may agree, from time to time, to add other Portfolios to provide additional funding media for the Contracts, or to delete, combine, or modify existing Portfolios, by amending Schedule B hereto. Upon such amendment to Schedule B, any applicable reference to a Portfolio, the Trust, or its Shares herein shall include a reference to any such additional Portfolio. Schedule B, as amended from time to time, is incorporated herein by reference and is a part hereof.

1.2 For the purposes of Sections 1.1 and 1.2, the Trust hereby appoints the Company as its agent for the limited purpose of receiving and accepting purchase and redemption orders resulting from investment in and payments under the Contracts. The Trust will redeem any full or fractional Shares of any Portfolio when requested by the Company on behalf of an Account at the net asset value of the applicable Portfolio next computed after receipt by the Trust (or its agent) of the request for redemption, as established in accordance with the provisions of the then current prospectus of the applicable Portfolio. With respect to payment of the purchase price by the Company and of redemption proceeds by the Trust, the Company and the Trust shall net purchase and redemption orders with respect to each Portfolio and shall transmit one net payment per Portfolio in accordance with this Section 1.2 and Section 1.5.

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1.3 For purposes of this Article I, the Company or its agent will be the designee of the Trust for receipt of requests for redemption from each Account and receipt by such designee will constitute receipt by the Trust; provided the Trust receives notice of such requests for redemption in compliance with Article I of this Agreement. After consulting with the Company, the Trust reserves the right to delay payment of redemption proceeds, but in no event may any such delay by the Trust in paying redemption proceeds cause Company or any Account to fail to meet its obligations under Section 22(e) of the Investment Company Act of 1940 (the "1940 Act").

1.4 If transactions in Portfolio shares are to be settled through the NSCC Fund/SERV system, the following provisions shall apply:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) <u>Fund/SERV Transactions.</u> If the parties choose to use the National Securities Clearing Corporation's Mutual Fund Settlement, Entry and Registration Verification ("Fund/SERV") system, any corrections to a Trust's prices for the prior trade date will be submitted through the Mutual Fund Profile with the correct prices and applicable date. If the corrections are dated later than trade date plus one, a facsimile should be sent in addition to the Mutual Fund Profile submission; or

<u>Manual Transactions</u>. If the parties choose not to use Fund/SERV, if there are technical problems with Fund/SERV, or if the parties are not able to transmit or receive information through Fund/SERV, any corrections to a Trust's prices should be communicated by facsimile or by electronic transmission, and will include for each day on which an adjustment has occurred the incorrect Trust price, the correct price, and, to the extent communicated to Trust shareholders, the reason for the adjustment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Purchases and Redemption Orders; Settlement of Transactions.

<u>Method of Communication</u>.

<u>Fund/SERV Transactions</u>. If the parties choose to use Fund/SERV, the following provisions shall apply:

The Company or its designee and the Trust or its designee will be bound by the rules of the NSCC. Without limiting the generality of the following provisions of this section, the Company or its designee and the Trust or its designee each will perform any and all duties, functions, procedures and responsibilities assigned to it and as otherwise established by the NSCC applicable to Fund/SERV and the Networking Matrix Level utilized.

Any information transmitted through NSCC's Networking system by any party to the other and pursuant to this amendment will be accurate, complete, and in the format prescribed by the NSCC. Each party will adopt, implement and maintain procedures reasonably designed to ensure the accuracy of all transmissions through Networking and to limit the access to, and the inputting of data into, Networking to persons specifically authorized by such party.

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On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company prior to the Close of Trading on each Business Day. "Business Day" will mean any day on which the New York Stock Exchange is open for trading and on which the Trust calculates its net asset value pursuant to the rules of the Securities and Exchange Commission (the "Commission"). The Company shall communicate to the Trust or its designee for that Business Day, by Fund/SERV, the net aggregate purchase or redemption orders (if any) for each Account received by the close of trading on such Business Day (the "Trade Date") no later than 8:00 a.m. Eastern Time on the Business Day following the Trade Date. All orders received by the Company after the close of trading on a Business Day shall not be transmitted to NSCC prior to the following Business Day. The Trust or its designee shall treat all trades communicated to the Trust or its designee in accordance with this provision as if received prior to the close of trading on the Trade Date; provided that, if (due to any reason such as failure by the Trust to transmit its net asset value per share to the Company by 6:30 p.m. New York time on that Trade Date) the Company is unable to transmit an order for a Trade Date by the above 8:00 a.m. deadline, the Trust will use its best efforts to cause the Company's order to receive the same price as if it had been received by that deadline. All orders are subject to acceptance by the Trust or its designee and become effective only upon confirmation by the Trust or its designee. Upon confirmation, the Trust or its designee will verify total purchases and redemptions and the closing share position for each Account. In the case of delayed settlement, the Trust or its designee shall make arrangements for the settlement of redemptions by wire no later than the time permitted for settlement of redemption orders by the Investment Company Act of 1940, as amended (the "1940 Act").

Such wires should be sent to the Company's designated account provided by the Company in writing. 

<u>Manual Transactions</u>. If the parties choose not to use Fund/SERV, if there are technical problems with Fund/SERV, or if the parties are not able to transmit or receive information through Fund/SERV, then the manual following provisions in shall apply:

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<u>Next Day Transmission of Orders</u>. On each Business Day, the Company shall aggregate and calculate the net purchase and redemption orders for each Account received by the Company prior to the Close of Trading on such Business Day. Prior to 10:00 a.m. Eastern Time (or such other time as may be agreed by the parties from time to time) on the next following Business Day, the Company shall communicate to the Trust or its designee by facsimile or, in the Company's discretion, by telephone or any other method agreed upon by the parties, the net aggregate purchase or redemption orders (if any) for each Account received by the close of trading on the prior Business Day (the "Trade Date"). All orders communicated to the Trust or its designee by the 10:00 a.m. deadline (or such other time as may be agreed by the parties from time to time) shall be treated by the Trust or its designee as if received prior to the close of trading on the Trade Date; provided that, if the Company is for any reason unable to transmit an order for a Trade Date by the foregoing 10:00 a.m. deadline (or by such other required time as provided under this Agreement), the Trust will use its best efforts to cause the Company's order to receive the same price as if it had been received by that deadline.

<u>Purchases</u>. The Company will use its best efforts to transmit each purchase order to the Trust or its designee in accordance with written instructions previously provided by the Trust or its designee to the Company. The Company will use its best efforts to initiate by wire transfer to Trust or its designee purchase amounts prior to 1:00 p.m. Eastern Time on the next Business Day following the Trade Date.

<u>Redemptions</u>. With respect to redemption orders placed by the Company by 8:30 a.m. Eastern Time (or such other time as may be agreed by the parties from time to time) on the first Business Day following the Trade Date, the Trust or its designee will use its best efforts to initiate by wire transfer to the Company proceeds of such redemptions by 1:00 p.m. Eastern Time on the next Business Day following the Trade Date.

Redemption wires should be sent to the Company's designated account provided by the Company in writing.

For the purposes of manual trading, the Trust will make the net asset value per share for each Portfolio available to the Company via electronic means on each Business Day as soon as reasonably practical after the net asset value per share is calculated and will use its best efforts to make such net asset value per share available by 6:30 p.m., Eastern Time, each Business Day. In the event that the Trust is unable to meet the 6:30 p.m. time stated herein, it shall provide additional time for the Company to place orders for the purchase and redemption of Trust shares and wire net payments for the purchase of Trust shares. Such additional time shall be equal to the additional time which the Trust takes to make the net asset value available to the Company.

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1.5 The Company shall wire payment for net purchase orders that are transmitted to the Trust in accordance with Section 1.4, or to a custodial agent designated by the Trust, no later than 3:00 p.m. New York time on the same Business Day that the Trust receives notice of the order. Payments shall be made in federal funds transmitted by wire.

1.6 Issuance and transfer of the Shares will be by book entry only. Stock certificates will not be issued to the Company or the Account. Shares ordered from the Trust will be recorded in the appropriate title for each Account or the appropriate subaccount of each Account.

1.7 The Trust shall furnish same day notice (by email or telephone followed by written or email confirmation) to the Company of any income dividends or capital gain distributions payable on the Shares of a Portfolio. The Company hereby elects to receive all such income dividends and capital gain distributions as are payable on a Portfolio's Shares in additional Shares of that Portfolio. The Company reserves the right to revoke this election and to receive all such dividends and capital gain distributions in cash. The Trust shall notify the Company of the number of Shares so issued as payment of such dividends and distributions.

1.8 The Trust shall make the net asset value per share for each Portfolio available to the Company on a daily basis as soon as reasonably practical after the net asset value per share is calculated and shall use its best efforts to make such net asset value per share available by 6:30 p.m. New York time. The Company shall use the data provided by the Trust each Business Day pursuant to Section 1.8 immediately to calculate Account unit values and to process transactions that receive that same Business Day's Account unit values. The Company shall perform such Account processing the same Business Day, and shall place corresponding orders to purchase or redeem Shares of a Portfolio with the Trust by 10:00 a.m. New York time the following Business Day.

1.9 The Trust agrees that Shares of the Portfolios will be sold only to Participating Insurance Companies and their separate accounts and to certain qualified pension and retirement plans ("Plans"). No Shares of any Portfolio will be sold directly to the general public. The Company agrees that Shares of the Portfolios will be used only for the purposes of funding the Contracts and Accounts listed in Schedule A, as amended from time to time.

1.10 The Trust agrees that all Participating Insurance Companies shall have the obligations and responsibilities, as required by law, regarding pass-through voting and conflicts of interest corresponding to those contained in Section 2.8 and Article IV of this Agreement.

1.11 The Trust shall use its best efforts to provide closing net asset value, dividend and capital gain information on a per-share basis to the Company on each Business Day. Any material errors in the calculation of net asset value, dividend and/or capital gain information shall be reported to the Company promptly upon discovery. Material errors will be corrected in the applicable Business Day's net asset value per share. The Company will adjust the number of Shares purchased or redeemed for the Accounts to reflect the correct net asset value per share. The Trust shall bear the cost of correcting such errors and shall reimburse the Company for any expenses incurred related to correction of the net asset value (including correcting Contract owner accounts).

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ARTICLE II

<u>Obligations of the Parties</u> 

2.1 The Trust shall prepare and be responsible for filing with the SEC and any state regulators requiring such filing all shareholder reports, notices, proxy materials (or similar materials such as voting instruction solicitation materials), prospectuses and statements of additional information of the Trust. The Trust shall bear the costs of registration and qualification of its Shares, preparation and filing of the documents listed in this Section 2.1 and all taxes to which an issuer is subject on the issuance and transfer of its Shares.

2.2 At the option of the Company, the Trust shall either (i) provide the Company or its mailing agent with as many copies of the Trust's current prospectus, annual report, semi-annual report and other shareholder communications, including any amendments or supplements to any of the foregoing, as the Company shall request for distribution, at the Trust's expense, to Contract owners for whom Shares are held by an Account; or (ii) provide the Company with a camera ready copy of such documents in a form suitable for printing. The prospectuses provided by the Trust will cover only Shares of the Portfolios offered as investment options in the Contracts (and no shares of any other portfolio), and the other documents referred to in clauses (i) and (ii) of this Section 2.2 also will, to the extent practicable, omit information relating to series of the Trust other than the Portfolios. The Company shall distribute said documents to existing Contract owners and shall bill the Trust for the reasonable cost of such distribution, including its reasonable duplication (printing) costs of any such documents furnished by the Trust in camera-ready form. The Trust shall provide the Company with a copy of its statement of additional information in a form suitable for duplication by the Company. The Trust (at its expense) shall distribute any Trust-sponsored proxy materials to Contract owners through a proxy solicitation firm, and the Company agrees to provide reasonable support and cooperation for any proxy solicitation. The Trust shall provide the materials described in this Section 2.2 within a reasonable time prior to required printing and distribution of such materials, or as reasonably requested by the Company.

2.3 (a) The Company shall bear the costs of distributing the Trust's prospectus and statement of additional information, including any amendments or supplements to the foregoing, to applicants for policies for which the Trust is serving or is to serve as an investment vehicle, unless the Trust adopts and implements a plan pursuant to Rule 12b-1 under the 1940 Act to finance distribution expenses to the Company for Portfolios offered as investment options in the Contracts. The Fund does not have any Rule 12b-1 plan for the distribution of shares of the Trust by the Company, though it may implement one in the future. The Trust shall bear the costs of distributing proxy materials (or similar materials such as voting solicitation instructions) to Contract owners. The Company assumes sole responsibility for ensuring that such materials are delivered to Contract owners on a timely basis in accordance with applicable federal and state securities laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) If the Company elects to include any materials provided by the Trust, specifically prospectuses, statements of additional information, shareholder reports and proxy materials, on its web site or in any other computer or electronic format, the Company assumes sole responsibility for maintaining such materials in the form provided by the Trust or as filed in

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definitive form with the SEC, and for promptly replacing such materials with all updates provided by the Trust. The Trust agrees to provide all such materials to the Company in high resolution Portable Document Format (PDF) in a timely fashion at no additional cost. In addition to the other requirements set forth in this Agreement, the Trust shall offer, for use by the Company at its option, a summary prospectus for each Portfolio in accordance with Rule 498 of the 1933 Act, and it shall deliver to the Company the statutory prospectus and statement of additional information in an electronic format that permits persons accessing such documents to move directly back and forth between each section heading in a table of contents and the section of the document referenced in that section heading, as required by Rule 498 of the 1933 Act.

2.4 The Parties each agree and acknowledge that no Party has rights to the name, log, brand or mark of another Party or its affiliates and that all use of any designation comprised in whole or part of any such name, log, brand or mark by a Party is prohibited without the prior written consent of the Party who owns such name, log, brand or mark, unless use is required under applicable law. Upon termination of this Agreement for any reason, each Party shall cease all use of the each other Party's name, log, brand or mark as soon as reasonably practicable. As used in this Agreement, the term "affiliates" shall have the same meaning as "affiliated person" as defined in Section 2(a)(3) of the 1940 Act.

2.5 (a) The Company shall furnish, or cause to be furnished, to the Trust or its designee, a copy of each Contract prospectus or statement of additional information in which the Trust or its investment adviser(s) is named prior to the filing of such document with the SEC. The Company shall furnish, or shall cause to be furnished, to the Trust or its designee, each piece of sales literature or other promotional material (as defined in Section 2.11, below), reports, any preliminary and final voting instruction solicitation materials, applications for exemptions, requests for no-action letters, and all amendments to any of the above in which the Trust or any of its investment adviser(s) is named, at least fifteen Business Days prior to its use. No such material shall be used if the Trust or its designee reasonably objects to such use within fifteen Business Days after receipt of such material.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The Trust shall furnish, or shall cause to be furnished, to the Company or its designee, each piece of sales literature or other promotional material in which the Company, the Accounts or the Contracts are named, at least fifteen Business Days prior to its use. No such material shall be used if the Company or its designee reasonably objects to such use within fifteen Business Days after receipt of such material.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The Trust will provide the Company with as much notice as is reasonably practicable of any proxy solicitation for any Portfolio and of any material change in the Trust's registration statement. The Trust will cooperate with the Company so as to enable the Company to solicit proxies from Contract owners, if required, or make timely changes to its registration statements, solicitation materials, and Contract owner documents.

2.6 The Company and its affiliates shall not give any information or make any representations or statements on behalf of the Trust or concerning the Trust, or any of its affiliates or investment advisers in connection with the sale of the Contracts other than information or representations contained in and accurately derived from the registration

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statement, including the prospectus and statement of additional information, for the Shares (as such registration statement, prospectus and statement of additional information may be amended or supplemented from time to time), reports of the Trust, and Trust-sponsored proxy statements, or in sales literature or other promotional material approved by the Trust or its designee, except as required by legal process or regulatory authorities or with the written permission of the Trust or its designee.

2.7 The Trust and its affiliates shall not give any information or make any representations or statements on behalf of the Company or concerning the Company or any of its affiliates, the Contracts or the Accounts other than information or representations contained in and accurately derived from any registration statement, including the prospectus and statement of additional information, for the Contracts (as such registration statement, prospectus, and statement of additional information may be amended or supplemented from time to time), or in materials approved by the Company or its designee for distribution including sales literature or other promotional materials, except as required by legal process or regulatory authorities or with the written permission of the Company or its designee.

2.8 So long as, and to the extent that, the Securities and Exchange Commission interprets the 1940 Act to require pass-through voting privileges for owners of variable life insurance policies and/or variable annuity contracts, the Company will provide pass-through voting privileges to Contract owners whose cash values are invested, through its registered Accounts, in Shares. The Trust shall require all Participating Insurance Companies to calculate voting privileges in the same manner and the Company shall be responsible for assuring that the registered Accounts calculate voting privileges in the manner established by the Trust. With respect to each registered Account, the Company will vote Shares of a Portfolio held by the registered Account and for which no timely voting instructions from Contract owners are received, as well as Shares it owns that are held by that registered Account or directly, in the same proportion as those Shares for which timely voting instructions are received. The Company and its affiliates and agents will in no way recommend or oppose or interfere with the solicitation of proxies for Shares held by Contract owners without the prior written consent of the Trust, which consent may be withheld in the Trust's sole discretion.

2.9 To the extent the Company is aware, the Company shall notify the Trust of any applicable state insurance laws that restrict the Portfolios' investments or otherwise affect the operation of the Trust and shall notify the Trust in writing of any changes in such laws.

2.10 The Parties shall each adopt and implement procedures reasonably designed to ensure that information concerning the Company, the Trust or its investment advisers, and the Distributor and their affiliates, respectively, that is intended for use only by brokers or agents selling the Contracts (i.e., information that is not intended for distribution to Contract owners) is properly marked as "broker only materials" and is so used.

2.11 For purposes of this Article II and Article V, the phrase "sales literature or other promotional material" includes, but is not limited to: advertisements (such as material published, or designed for use in, a newspaper, magazine or other periodical, radio, television, telephone or tape recording, videotape display, signs or billboards, motion pictures, or other

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public media, (e.g., on-line networks such as the Internet or other electronic messages)); sales literature (such as any written communication distributed or made generally available to customers or the public, including brochures, circulars, research reports, market letters, form letters, seminar texts, reprints or excerpts of any other advertisement, sales literature, or published article); educational or training materials or other communications distributed or made generally available to some or all agents or employees; registration statements; prospectuses; statements of additional information; shareholder reports and proxy materials; and any other material constituting sales literature or advertising under rules of the Financial Industry Regulatory Authority, Inc. ("FINRA"), the 1933 Act or the 1940 Act.

2.12 The Trust will immediately notify the Company of (i) the issuance by any court or regulatory body of any stop order, cease and desist order, or other similar order with respect to the Trust's registration statement under the 1933 Act or the Trust prospectus, (ii) any request by the SEC for any amendment to such registration statement or the Trust prospectus that may affect the offering of Shares, (iii) the initiation of any proceedings for that purpose or for any other purpose relating to the registration or offering of the Shares, or (iv) any other action or circumstances that may prevent the lawful offer or sale of Shares of any Portfolio in any state or jurisdiction, including, without limitation, any circumstances in which (a) such Shares are not registered and, in all material respects, are not issued and sold in accordance with applicable state and federal law, or (b) such law precludes the use of such Shares as an underlying investment medium of the Contracts issued or to be issued by the Company. The Trust will make every reasonable effort to prevent the issuance, with respect to any Portfolio, of any such stop order, cease and desist order or similar order and, if any such order is issued, to obtain the lifting thereof at the earliest possible time.

2.13 The Company will immediately notify the Trust of (i) the issuance by any court or regulatory body of any stop order, cease and desist order, or other similar order with respect to each Account's registration statement under the 1933 Act relating to the Contracts or each Account prospectus, (ii) any request by the SEC for any amendment to such registration statement or Account prospectus that may affect the offering of Shares of a Portfolio, (iii) the initiation of any proceedings for that purpose or for any other purpose relating to the registration or offering of each Account's interests pursuant to the Contracts, or (iv) any other action or circumstances that may prevent the lawful offer or sale of said interests in any state or jurisdiction, including, without limitation, any circumstances in which said interests are not registered (or are otherwise exempt from registration) and, in all material respects, are not issued and sold in accordance with applicable state and federal law. The Company will make every reasonable effort to prevent the issuance of any such stop order, cease and desist order or similar order and, if any such order is issued, to obtain the lifting thereof at the earliest possible time.

2.14 The Company confirms that it will assist the Trust in complying with the requirements of Rule 22c-1 under the 1940 Act. The Company may, as it deems appropriate, authorize "financial intermediaries," as that term is defined in Rule 22c-2 under the 1940 Act (each an "Intermediary"), to receive orders on the Trust's behalf for purposes of Rule 22c-1. The Company shall be responsible for assuring that each Intermediary complies with this Section 2.14 to the same extent as if the Company itself had acted or failed to act instead of the Intermediary. The Company acknowledges that it has: (i) adopted and implemented procedures

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reasonably designed to prevent orders received after the Market Close on any day that the Trust is open for business from being improperly aggregated with orders received prior to the Market Close; and (ii) determined that each Intermediary has adopted and implemented its own internal procedures reasonably designed to prevent orders received after the Market Close on any day that the Trust is open for business from being improperly aggregated with orders received prior the Market Close.

2.15 (a) The Company agrees to provide or cause to be provided, promptly upon request by the Trust, the Taxpayer Identification Number ("TIN"), the International/Individual Taxpayer Identification Number ("ITIN"), or other government-issued identifier ("GII"), if known, of all Contract owners that purchased, redeemed, transferred or exchanged Shares held through an account with the Company covered by the period of the request; the amount and date of all such Shares purchased, redeemed, transferred or exchanged; and the name or other identifier of any investment professional(s) associated with such Contract owners(s) or account(s) (if known).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Requests must set forth a specific period, not to exceed ninety (90) days from the date of the request, for which transaction information is sought. The Trust may request transaction information older than ninety (90) days from the date of the request as it deems necessary to investigate compliance with policies established by the Trust for the purpose of eliminating or reducing any dilution of the value of the outstanding shares issued by the Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The Company agrees to transmit the requested information that is on its books and records to the Trust or its designee promptly, but in any event not later than ten Business Days, after receipt of a request. If requested by the Trust or its designee, Company agrees to use best efforts to determine promptly, but in any event not later than ten (10) Business Days after receipt of a specific request, whether any specified person about whom it has received the identification and transaction information specified in Paragraph (a) above is itself an Intermediary and, upon further request of the Trust or its designee, promptly, but in any event not later than ten (10) Business Days after such request, either (i) obtain and transmit (or arrange to have transmitted) the requested information specified in Paragraph (b) above for those Contract owners who hold an account with an Intermediary or (ii) restrict or prohibit the Intermediary from purchasing, in nominee name on behalf of other persons, securities issued by the Trust. In such instance, Company agrees to inform the Trust whether it plans to perform (i) or (ii).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) To the extent practicable, the format for any transaction information provided to the Trust should be consistent with the NSCC Standardized Data Reporting Format. All shareholder information shall be transmitted and received by both Parties using data security and encryption technology that is standard for the industry in transmitting confidential information.

2.16 (a) The Company will execute or cause to be executed any written instructions from the Trust or its agents to restrict or prohibit further purchases or exchanges of Shares by a Contract owner who has been identified by the Trust as having engaged in transactions in Shares (either directly or indirectly through an account with the Company) that violate policies established by the Trust.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Instructions must include the TIN, ITIN, or GII, if known, and the specific restriction(s) to be executed. If no TIN, ITIN, or GII is known, the instructions must include an equivalent identifying number of the Contract owner(s) or account(s) or other agreed upon information to which the instruction relates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) The Company agrees to execute instructions to restrict or prohibit trading as soon as reasonably practicable, but in any event not later than five (5) Business Days after receipt of the instructions by the Intermediary.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) The Company must provide written confirmation to the Trust that instructions have been executed. Intermediary agrees to provide confirmation as soon as reasonably practicable, but not later than ten (10) Business Days after the instructions have been executed.

ARTICLE III

<u>Representations and Warranties</u> 

3.1 The Company represents and warrants (i) that it is an insurance company duly organized and in good standing under the laws of the State of Michigan and has full corporate power, authority and legal right to execute, deliver and perform its duties and comply with its obligations under this Agreement, (ii) that it has legally and validly established and maintained each Account as a segregated asset account under the laws of the domiciliary state and the regulations thereunder, and (iii) that the Contracts comply in all material respects with all other applicable federal and state laws and regulations.

3.2 The Company represents and warrants that interests under the Contracts are or will be registered under the 1933 Act, or are exempt from registration thereunder, and that the Contracts will be issued and sold and distributed in compliance with all applicable federal and state laws. The Company further represents and warrants that it has legally and validly established each Account as a separate account under applicable law and that each Account is or will be registered as a unit investment trust in accordance with the provisions of the 1940 Act to serve as a segregated investment account for the Contracts, or is exempt from registration thereunder, and that it will maintain such registration for so long as may be legally required. The Company will amend any registration statement under the 1933 Act for the Contracts and the registration statement under the 1940 Act for the Account from time to time as required in order to effect the continuous offering of the Contracts or as may otherwise be required by applicable law. The Company will register and qualify the Contracts for sale in accordance with the securities laws of the various states only if and to the extent deemed necessary by the Company.

3.3 The Company further represents and warrants that: (i) the sale of the Contracts, and the allocation of purchase payments under the Contracts to any Portfolio of the Trust, shall comply in all material respects with federal and state securities and insurance suitability requirements, (ii) the Company has adopted policies and procedures reasonably designed to comply with the US PATRIOT Act, and (iii) the Company does not encourage or facilitate active trading and has adopted policies and procedures reasonably designed to prevent market timing within the Portfolios.

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3.4 The Trust represents and warrants (i) that it is duly organized and validly existing under the laws of the State of Delaware, (ii) that it does and will comply in all material respects with the requirements of the 1940 Act and the rules thereunder, (iii) that its 1933 Act registration statement, together with any amendments thereto, will at all times comply in all material respects with the requirements of the 1933 Act and rules thereunder, and (iv) that its Prospectus will at all times comply in all material respects with the requirements of the 1933 Act and the rules thereunder.

3.5 The Trust represents and warrants that the Shares of the Portfolios offered and sold pursuant to this Agreement shall be registered under the 1933 Act to the extent required by the 1933 Act and the Trust shall be registered under the 1940 Act to the extent required by the 1940 Act, prior to any issuance or sale of such Shares. The Trust shall amend its registration statement for Shares of Portfolios under the 1933 Act and itself under the 1940 Act from time to time as required in order to effect the continuous offering of its Shares. The Trust shall register and qualify Shares of Portfolios for sale in accordance with the laws of the various states only if and to the extent deemed advisable by the Trust.

3.6 (a) The Trust represents and warrants that each Portfolio will at all times comply with the diversification requirements set forth in Section 817(h) of the Internal Revenue Code of 1986, as amended, (the "Code") and the regulations thereunder and that the Trust will notify the Company promptly upon having a reasonable basis for believing that a Portfolio does not so comply. In the event of any such non-compliance, the Trust will take all reasonable steps to adequately diversify the Portfolio so as to achieve compliance within the grace period afforded by Section 1.817-5 of the regulations under the Code.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The Trust agrees to provide the Company with a certificate or statement indicating compliance by each Portfolio with Section 817(h) of the Code, such certificate or statement to be sent to the Company no later than thirty (30) days following the end of each calendar quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Notwithstanding any other provision of this Agreement, the Company agrees that if the Internal Revenue Service ("IRS") asserts in writing in connection with any governmental audit or review of the Company or, to the Company's knowledge, of any Contract owners, annuitants, insureds or participants under the Contracts (as appropriate) (collectively, "Participants"), that any Portfolio has failed to comply with the diversification requirements of Section 817(h) of the Code or the Company otherwise becomes aware of any facts that could give rise to any claim against the Trust or its affiliates as a result of such a failure or alleged failure:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the Company shall promptly notify the Trust of such assertion or potential claim; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) the Company shall consult with the Trust as to how to minimize any liability that may arise as a result of such failure or alleged failure.

3.7 The Trust represents and warrants that each Portfolio currently qualifies as a Regulated Investment Company under Subchapter M of the Code and that it will continue to

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maintain such qualification (under Subchapter M or any successor or similar provision) and that it will notify the Company promptly upon having a reasonable basis for believing that a Portfolio has ceased to so qualify.

3.8 The Trust acknowledges that any failure (whether intentional or in good faith or otherwise) to comply with the requirements of Subchapter M of the Code or the diversification requirements of Section 817(h) of the Code may result in the Contracts not being treated as variable contracts for federal income tax purposes, which would have adverse tax consequences for Contract owners and could also adversely affect the Company's corporate tax liability. The Trust further acknowledges that any such failure may result in costs and expenses being incurred by the Company in obtaining whatever regulatory authorizations are required to substitute shares of another investment company for those of the failed Trust as well as fees and expenses of legal counsel and other advisors to the Company and any federal income taxes, interest or tax penalties incurred by the Company in connection with any such failure.

3.9 The Trust represents and warrants that all of the Trustees and all its officers and employees are and shall continue to be at all times covered by a blanket fidelity bond or similar coverage for the benefit of the Trust in an amount not less than the minimal coverage as required currently by Rule 17g-(1) under the 1940 Act or related provisions as may be promulgated from time to time. The aforesaid bond shall include coverage for larceny and embezzlement and shall be issued by a reputable bonding company.

3.10 The Trust represents and warrants that it is in compliance with, and shall maintain compliance with, Rule 38a-1 under the 1940 Act.

3.11 The Company represents and warrants that the Contracts currently are and will be treated as annuity contracts or life insurance contracts under applicable provisions of the Code and that it will make every effort to maintain such treatment; the Company will notify the Trust immediately upon having a reasonable basis for believing that any of the Contracts has ceased to be so treated or might not be so treated in the future.

3.12 The Company represents and warrants that each Account is a "segregated asset account" and that interests in each Account are offered exclusively through the purchase of or transfer into a "variable contract," within the meaning of such terms under Section 817 of the Code and the regulations thereunder. The Company will make every effort to continue to meet such definitional requirements, and it will notify the Trust immediately upon having a reasonable basis for believing that such requirements have ceased to be met or that they might not be met in the future.

3.13 The Distributor represents and warrants that it is lawfully organized and validly existing under the laws of its state of organization; it is registered as a broker-dealer under the Securities Exchange Act of 1934, as amended (the "1934 Act") and will remain duly registered under all applicable federal and state securities laws, and is a member in good standing of FINRA and serves as principal underwriter/distributor of the Trust and that it will perform its obligations for the Trust in accordance in all material respects with the laws of the State of Nebraska and any applicable state and federal securities laws.

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3.14 Each of the Parties represents and warrants that it shall perform its obligations hereunder in compliance with any applicable state and federal laws.

ARTICLE IV

<u>Potential Conflicts</u>

4.1 The Parties acknowledge that Shares of the Portfolios may be made available for investment to other Participating Insurance Companies. In such event, the Trustees will monitor the Trust for the existence of any material irreconcilable conflict between the interests of the contract owners of all Participating Insurance Companies. An irreconcilable material conflict may arise for a variety of reasons, including: (a) an action by any state insurance regulatory authority; (b) a change in applicable federal or state insurance, tax, or securities laws or regulations, or a public ruling, private letter ruling, no-action or interpretative letter, or any similar action by insurance, tax, or securities regulatory authorities; (c) an administrative or judicial decision in any relevant proceeding; (d) the manner in which the investments of any Portfolio are being managed; (e) a difference in voting instructions given by variable annuity contract and variable life insurance policy owners; or (f) a decision by an insurer to disregard the voting instructions of contract owners. The Trustees shall promptly inform the Company if they determine that an irreconcilable material conflict exists and the implications thereof.

4.2 The Company agrees to promptly report any potential or existing conflicts of which it is aware to the Trustees. The Company will assist the Trustees in carrying out their fiduciary duties by providing the Trustees with all information reasonably necessary for the Trustees to consider any potential conflict issues raised including, but not limited to, information as to a decision by the Company to disregard Contract owner voting instructions.

4.3 If it is determined by a majority of the Trustees, or a majority of its disinterested Trustees, that a material irreconcilable conflict exists that affects the interests of Contract owners, the Company shall, in cooperation with other Participating Insurance Companies whose contract owners are also affected, at its expense and to the extent reasonably practicable (as determined by a majority of the disinterested Trustees) take whatever steps are necessary to remedy or eliminate the irreconcilable material conflict, which steps could include: (i) withdrawing the assets allocable to some or all of the Accounts from the Trust or any Portfolio and reinvesting such assets in a different investment medium, including (but not limited to) another Portfolio of the Trust, or submitting the question of whether or not such segregation should be implemented to a vote of all affected Contract owners and, as appropriate, segregating the assets of any appropriate group (i.e., annuity contract owners, life insurance contract owners, or variable contract owners of one or more Participating Insurance Companies) that votes in favor of such segregation, or offering the option of making such a change to the affected Contract owners; and (ii) establishing a new registered management investment company or managed separate account.

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4.4 If a material irreconcilable conflict arises because of a decision by the Company to disregard Contract owner voting instructions and that decision represents a minority position or would preclude a majority vote, the Company may be required, at the Trust's election, to withdraw each affected Account's investment in the Trust and terminate this Agreement with respect to such Account; provided, however that such withdrawal and termination shall be limited to the extent required to adequately remedy the foregoing material irreconcilable conflict as determined by a majority of the disinterested Trustees. Any such withdrawal and termination must take place within six (6) months after the Trust gives written notice that this provision is being implemented. Until the end of such six (6) month period, the Trust shall continue to accept and implement orders by the Company for the purchase and redemption of Shares of the applicable Portfolio.

4.5 If a material irreconcilable conflict arises because a particular state insurance regulator's decision applicable to the Company conflicts with the majority of other state regulators, then the Company will withdraw the affected Account's investment in the Trust and terminate this Agreement with respect to such Account within six (6) months after the Trustees inform the Company in writing that it has determined that such decision has created an irreconcilable material conflict; provided, however, that such withdrawal and termination shall be limited to the extent required to adequately remedy the foregoing material irreconcilable conflict as determined by a majority of the disinterested Trustees. Until the end of such six (6) month period, the Trust shall continue to accept and implement orders by the Company for the purchase and redemption of Shares of the applicable Portfolio.

4.6 The Company agrees that any remedial action taken by it in resolving any material irreconcilable conflict will be carried out at its expense and with a view only to the interests of Contract owners.

4.7 For purposes of Sections 4.3 through 4.6 of this Agreement, a majority of the disinterested Trustees shall determine whether any proposed action adequately remedies any irreconcilable material conflict, but in no event, other than specified in Section 4.3, will the Company be required to establish a new funding medium for the Contracts. The Company will not be required by Section 4.3 to establish a new funding medium for the Contracts, if an offer to do so has been declined by vote of a majority of Contract owners materially adversely affected by the irreconcilable material conflict. In the event that the Trustees determine that any proposed action does not adequately remedy any irreconcilable material conflict, then the Company will withdraw the Account's investment in the Trust and terminate this Agreement within six (6) months after the Trustees inform the Company in writing of the foregoing determination.

4.8 The Company shall at least annually submit to the Trustees such reports, materials or data as the Trustees may reasonably request so that the Trustees may fully carry out their fiduciary duties, and said reports, materials and data shall be submitted more frequently if deemed appropriate by the Trustees.

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4.9 The Trust and/or the Participating Insurance Companies, as appropriate, shall comply with Rules 6e-2 and 6e-3(T), as amended, and Rule 6e-3, as adopted, to the extent such rules are applicable.

ARTICLE V

<u>Indemnification</u>

5.1 <u>Indemnification by the Company</u>. The Company agrees to indemnify and hold harmless the Trust, the Distributor, their affiliates, and each of their directors, managers, officers, employees and agents and each person, if any, who controls the Trust, or the Distributor or any of their affiliates within the meaning of Section 15 of the 1933 Act (collectively, the "Trust Indemnified Parties" for purposes of this Article V) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Company) or expenses (including the reasonable costs of investigating or defending any alleged loss, claim, damage, liability or expense, and reasonable legal counsel fees incurred in connection therewith) (collectively, "Losses"), to which the Trust Indemnified Parties may become subject under any statute or regulation, or at common law or otherwise, insofar as such Losses:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) arise out of or are based upon any untrue statements or alleged untrue statements of any material fact contained in a registration statement or prospectus for the Contracts or in the Contracts themselves or in advertising or sales literature for the Contracts (or any amendment or supplement to any of the foregoing) (collectively, "Company Documents" for the purposes of this Article V), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading, provided that (a) this indemnity shall not apply as to any Trust Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and was accurately derived from written information furnished to the Company or its affiliates by or on behalf of the Trust or the Distributor for use in Company Documents or otherwise for use in connection with the sale of the Contracts or Shares and (b) no sales literature or other promotional material for the Contracts that is prepared by or on behalf of a Trust Indemnified Party who is a person or entity engaged in the offer or sale of the Contracts shall be a Company Document within the purview of this indemnity unless it has been approved for distribution by the Company or its designee; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) arise out of or result from statements or representations (other than statements or representations contained in and accurately derived from Trust Documents as defined in Section 5.2(a)) or the negligent or wrongful conduct of the Company, or persons under its control (including, without limitation, its employees), in connection with the sale or distribution of the Contracts or Shares, provided that statements, representations or negligent or wrongful conduct on the part of any Trust Indemnified Party in the course of any offer or sale of the Contracts by that Trust Indemnified Party shall not be a basis for indemnity under this Section 5.1(b); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) arise out of or result from any untrue statement or alleged untrue statement of a material fact contained in Trust Documents as defined in Section 5.2(a) or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make

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the statements therein not misleading if such statement or omission was made in reliance upon and accurately derived from written information furnished to the Trust or its affiliates by or on behalf of the Company or its affiliates; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) arise out of or result from any failure by the Company to perform the obligations, provide the services or furnish the materials required under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) arise out of or result from any material breach of any representation and/or warranty made by the Company in this Agreement or arise out of or result from any other material breach of this Agreement by the Company.

5.2 <u>Indemnification by the Trust</u>. The Trust agrees to indemnify and hold harmless the Company its affiliates and each of its directors, officers, employees and agents and each person, if any, who controls the Company or any of its affiliates within the meaning of Section 15 of the 1933 Act (collectively, the "Company Indemnified Parties" for purposes of this Article V) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Trust or expenses (including the reasonable costs of investigating or defending any alleged loss, claim, damage, liability or expense, and reasonable legal counsel fees incurred in connection therewith) (collectively, "Losses"), to which the Company Indemnified Parties may become subject under any statute or regulation, or at common law or otherwise, insofar as such Losses:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) arise out of or are based upon any untrue statements or alleged untrue statements of any material fact contained in the registration statement or prospectus for a Portfolio or in advertising or sales literature for a Portfolio (or any amendment or supplement to any of the foregoing) (collectively, "Portfolio Documents" for the purposes of this Article V), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading, provided that this indemnity shall not apply as to any Company Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and was accurately derived from written information furnished to the Trust or its affiliates by or on behalf of the Company or its affiliates for use in Portfolio Documents or otherwise for use in connection with the sale of the Contracts or Portfolio Shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) arise out of or result from statements or representations (other than statements or representations contained in and accurately derived from Company Documents) or the negligent or wrongful conduct of the Trust or persons under its control (including, without limitation, its employees), in connection with the sale or distribution of the Contracts or Portfolio Shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) arise out of or result from any untrue statement or alleged untrue statement of a material fact contained in Company Documents or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading if such statement or omission was made in reliance upon and accurately derived from written information furnished to the Company or its affiliates by or on behalf of the Trust, the Distributor, or their affiliates; or

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) arise out of or result from any failure by the Trust to perform the obligations, provide the services or furnish the materials required under the terms of this Agreement (including a failure, whether unintentional or in good faith or otherwise, to comply with the diversification and other qualification requirements specified in Sections 3.6, 3.7, and 3.8 of this Agreement); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) arise out of or result from any material breach of any representation and/or warranty made by the Trust in this Agreement or arise out of or result from any other material breach of this Agreement by the Trust.

5.3 <u>Indemnification by the Distributor</u>. The Distributor agrees to indemnify and hold harmless the Company Indemnified Parties against any and all Losses, to which the Company Indemnified Parties may become subject under any statute or regulation, or at common law or otherwise, insofar as such Losses:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) arise out of or result from the negligent or wrongful conduct of the Distributor or persons under the control of the Distributor (including, without limitation, its employees), in connection with the sale or distribution of the Contracts or Portfolio Shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) arise out of or result from any untrue statement or alleged untrue statement of a material fact contained in Company Documents or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading if such statement or omission was made in reliance upon and accurately derived from written information furnished to the Company or its affiliates by or on behalf of the Distributor; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) arise out of or result from any failure by the Distributor to perform the obligations, provide the services or furnish the materials required to be performed or furnished by the Distributor under the terms of this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) arise out of or result from any material breach of any representation and/or warranty made by the Distributor in this Agreement or arise out of or result from any other material breach of this Agreement by the Distributor.

5.4 No Party shall be liable under the indemnification provisions of Sections 5.1, 5.2, 5.3 or 5.4, as applicable, with respect to any Losses incurred or assessed against a Trust Indemnified Party or a Company Indemnified Party, as applicable (as to each, an "Indemnified Party") to the extent the Losses arise from such Indemnified Party's willful misfeasance, bad faith or negligence in the performance of such Indemnified Party's duties or by reason of such Indemnified Party's reckless disregard of obligations or duties under this Agreement.

5.5 No Party shall be liable under the indemnification provisions of Sections 5.1, 5.2, 5.3, or 5.4, as applicable, with respect to any claim made against an Indemnified Party unless such Indemnified Party shall have notified the Party against whom Indemnification is sought (the "Indemnifying Party") in writing within a reasonable time after the summons, or other first written notification, giving information of the nature of the claim shall have been

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served upon or otherwise received by such Indemnified Party (or after such Indemnified Party shall have received notice of service upon or other notification to any designated agent), but failure to notify the Indemnifying Party of any such claim shall not relieve such Indemnifying Party from any liability which it may have to the Indemnified Party in the absence of Sections 5.1, 5.2 , 5.3., and 5.4.

5.6 In case any such action is brought against the Indemnified Parties, the Indemnifying Party shall be entitled to participate, at its own expense, in the defense of such action. The Indemnifying Party also shall be entitled to assume the defense thereof, with counsel reasonably satisfactory to the Party named in the action. After notice from the Indemnifying Party to the Indemnified Party of an election to assume such defense, the Indemnified Party shall cooperate with the Indemnifying Party and bear the fees and expenses of any additional counsel retained by it, and the Indemnifying Party will not be liable to the Indemnified Party under this Agreement for any legal or other expenses subsequently incurred by such Indemnified Party independently in connection with the defense thereof other than reasonable costs of investigation.

ARTICLE VI

<u>Confidentiality</u>

6.1 The Trust and the Distributor each acknowledges that the identities of the customers of Company or any of its affiliates (collectively, the "Company Protected Parties" for purposes of this Article VI), information maintained regarding those customers, and all computer programs and procedures or other information developed by the Company Protected Parties or any of their employees or agents in connection with Company's performance of its duties under this Agreement are the valuable property of the Company Protected Parties. The Trust and the Distributor each agrees that if it comes into possession of any list or compilation of the identities of or other information about the Company Protected Parties' customers, or any other information or property of the Company Protected Parties, other than such information as may be independently developed or compiled by the Trust or the Distributor from information supplied to either of them by the Company Protected Parties' customers who also maintain accounts directly with the Trust, the Trust and the Distributor will hold such information or property in confidence and refrain from using, disclosing or distributing any of such information or other property except: (a) with Company's prior written consent; or (b) as required by law or judicial process. The Company acknowledges that the identities of the customers of the Trust or the Distributor or any of their affiliates (collectively, the "the Trust Protected Parties" for purposes of this Article VI), information maintained regarding those customers, and all computer programs and procedures or other information developed by the Trust Protected Parties or any of their employees or agents in connection with the performance by the Trust and the Distributor of their duties under this Agreement are the valuable property of the Trust Protected Parties. The Company agrees that if it comes into possession of any list or compilation of the identities of or other information about the Trust Protected Parties' customers or any other information or property of the Trust Protected Parties, other than such information as may be independently developed or compiled by Company from information supplied to it by the Trust Protected Parties' customers who also maintain accounts directly with the Company, the Company will hold such information or property in confidence and refrain from using, disclosing or distributing

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any of such information or other property except: (i) with the prior written consent of the Trust or the Distributor, as appropriate; or (ii) as required by law or judicial process. Each Party acknowledges that any breach of the agreements in this Article VI would result in immediate and irreparable harm to the other Parties for which there would be no adequate remedy at law and agree that in the event of such a breach, the other Parties will be entitled to equitable relief by way of temporary and permanent injunctions, as well as such other relief as any court of competent jurisdiction deems appropriate.

ARTICLE VII

<u>Termination</u>

7.1 (a) This Agreement may be terminated by any Party for any reason by ninety (90) days advance written notice delivered to the other Parties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) This Agreement may be terminated by the Company immediately upon written notice to the other Parties with respect to any Portfolio:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) based upon the Company's determination that Shares of such Portfolio are not reasonably available to meet the requirements of the Contracts; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) in the event any of a Portfolio's Shares are not registered and, in all material respects, are not issued or sold in accordance with applicable state and/or federal law or such law precludes the use of such Shares as the underlying investment media of the Contracts issued or to be issued by the Company; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) in the event that such Portfolio ceases to qualify as a Regulated Investment Company under Subchapter M of the Code or under any successor or similar provision, or if the Company reasonably believes that the Trust may fail to so qualify; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) in the event that such Portfolio fails to meet the diversification requirements specified in this Agreement.

7.2 Notwithstanding any termination of this Agreement under Section 7.1, the Trust shall, at the option of the Company, continue to make available additional Shares (or any Portfolio) for at least 180 days, pursuant to the terms and conditions of this Agreement, for all Contracts in effect on the effective date of termination of this Agreement, provided that the Company continues to pay the costs set forth in Section 2.3 and meet all obligations of the Company under this Agreement (treating it as being in full force and effect), and further provided that Shares (or any Portfolio) shall only be required to be made available with respect to owners of the Contracts for whom Shares are held by an Account on the effective date of the termination. Such Contract owners will be permitted to reallocate investments in the Portfolio and/or invest in the Portfolio upon the making of additional purchase payments under the Contracts. The provisions of this Section 7.2 shall not apply to any termination pursuant to Article IV or in the event the Trust determines to liquidate the Portfolio and end the Portfolio's existence.

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7.3 The provisions of Articles IV and V shall survive the termination of this Agreement, and the provisions of Articles II and III shall survive the termination of this Agreement as long as Shares are held on behalf of Contract owners in accordance with Section 7.2. or otherwise.

7.4 This Agreement will terminate as to a Portfolio upon at least ninety (90) days advance written notice:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) at the option of the Trust upon institution of formal proceedings against the Company by FINRA, the SEC, or any state securities or insurance department or any other regulatory body if the Trust shall determine, in its sole judgment exercised in good faith, that the Company has suffered a material adverse change in its business, operations, financial condition, or prospects since the date of this Agreement or is the subject of material adverse publicity; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) at the option of the Company upon institution of formal proceedings against the Trust or its investment advisers, the Distributor by FINRA, the SEC, or any state securities or insurance department or any other regulatory body if the Company shall determine, in its sole judgment exercised in good faith, that the Trust its investment advisers, or the Distributor has suffered a material adverse change in its business, operations, financial condition, or prospects since the date of this Agreement or is the subject of material adverse publicity; or

7.5 This Agreement will terminate as to a Portfolio immediately upon prior written notice which shall be given as soon as possible within twenty-four (24) hours after the terminating Party learns of the event causing termination to be required:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) at the option of the Trust (i) if the Contracts issued by the Company cease to qualify as annuity contracts or life insurance contracts under the Code (other than by reason of the Portfolio's noncompliance with Section 817(h) or Subchapter M of the Code); (ii) if interests in an Account under the Contracts are neither registered nor exempt from registration, or (iii) if interests in an Account under the Contracts, in all material respects, are not issued or sold in accordance with any applicable federal or state law; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) upon another Party's material breach of any provision of this Agreement and such breach is not cured within 30 days of receiving written notice of such breach.

The Parties hereto agree to cooperate and give reasonable assistance to one another in taking all necessary and appropriate steps for the purpose of ensuring that an Account owns no Shares of a Portfolio after the effective date of this Agreement's termination with respect to such Shares or, if such ownership following termination cannot be avoided, that the duration thereof is as brief as reasonably practicable. Such steps may include, for example, combining the affected Account with another Account, substituting other portfolio shares for those of the affected Portfolio, or otherwise terminating participation by the Contracts in such Portfolio.

ARTICLE VIII

<u>Notices</u>

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Any notice shall be sufficiently given when sent by registered or certified mail to the other Party at the address of such Party set forth below or at such other address as such Party may from time to time specify in writing to the other Party.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If to the Trust: Kevin Wolf, President

Northern Lights Fund Trust II

80 Arkay Drive, Suite 110

Hauppauge, NY 11782

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;with a copy to: David J. Baum Esq.

Vedder Price P.C.

1401 New York Avenue

Washington, DC 20005

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If to the Distributor: M Holdings Securities, Inc.

1125 N.W. Couch Street, Suite 900

Portland, OR 97209

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If to JHUSA or JHNY: John Hancock Life Insurance Company

200 Berkeley Street

Boston, MA 02116

Attn: Neal Kerins

ARTICLE IX

<u>Miscellaneous</u>

9.1 The captions in this Agreement are included for convenience of reference only and in no way define or delineate any of the provisions hereof or otherwise affect their construction or effect.

9.2 This Agreement may be executed simultaneously in two or more counterparts, each of which taken together shall constitute one and the same instrument.

9.3 If any provision of this Agreement shall be held or made invalid by a court decision, statute, rule or otherwise, the remainder of the Agreement shall not be affected thereby.

9.4 This Agreement shall be construed and the provisions hereof interpreted under and in accordance with the laws of State of New York without regard for that state's principles of conflict of laws.

9.5 The Parties to this Agreement acknowledge and agree that all liabilities of the Trust arising, directly or indirectly, under this Agreement, of any and every nature whatsoever, shall be satisfied solely out of the assets of the Trust and that no Trustee, officer, agent or holder of Shares of beneficial interest of the Trust shall be personally liable for any such liabilities.

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9.6 Each Party shall cooperate with each other Party and all appropriate governmental authorities (including without limitation the Securities and Exchange Commission, the Financial Industry Regulatory Authority, Inc. and state insurance regulators) and shall permit such authorities reasonable access to its books and records in connection with any investigation or inquiry relating to this Agreement or the transactions contemplated hereby.

9.7 The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the Parties hereto are entitled to under state and federal laws.

9.8 The Parties to this Agreement acknowledge and agree that this Agreement shall not be exclusive in any respect.

9.9 Neither this Agreement nor any of its rights or obligations hereunder may be assigned by any Party without the prior written approval of the other Parties.

9.10 No provisions of this Agreement may be amended or modified in any manner except by a written agreement properly authorized and executed by all Parties hereto.

[Signature Page Follows]

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IN WITNESS WHEREOF, the Parties have caused their duly authorized officers to execute this Agreement as of the date and year first above written.

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| | |
|:---|:---|
| NORTHERN LIGHTS FUND TRUST II | NORTHERN LIGHTS FUND TRUST II |
| By: | /s/ Kevin Wolf |
| Name: | Kevin Wolf |
| Title: | President |
| M HOLDINGS SECURITIES INC. | M HOLDINGS SECURITIES INC. |
| By: | /s/ Robert Olson |
| Name: | Robert Olson |
| Title: | Vice President |

---

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) and JOHN HANCOCK LIFE

INSURANCE COMPANY OF NEW YORK

---

| | |
|:---|:---|
| By: | /s/ Brooks Tingle |
| Name: | Brooks Tingle |
| Title: | President and CEO |

---

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**SCHEDULE A** 

The following separate accounts of the Company are subject to the Agreement:

Any registered or unregistered Accounts offering Portfolios as investment vehicles on the Contracts.

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**SCHEDULE B** 

<u>Participating Portfolios</u>

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| |
|:---|
| &nbsp;&nbsp; M International Equity Fund |
| &nbsp;&nbsp; M Large Cap Growth Fund |
| &nbsp;&nbsp; M Capital Appreciation Fund |
| &nbsp;&nbsp; M Large Cap Value Fund |

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## Exhibit 99.30

![](g129774img4357bfd11.gif)

**John Hancock** 

197 Clarendon Street <br>Boston, Massachusetts 02116 <br>(617) 572-0070 <br>E-mail: mramirez@jhancock.com

**Michael A. Ramirez** <br>AVP and Senior Counsel

May 19, 2026

U.S. Securities and Exchange Commission <br>450 F St., N.E. <br>Washington, D.C. 20549

Re: John Hancock Life Insurance Company (U.S.A.) Separate Account A <br>John Hancock Life Insurance Company (U.S.A.) (the "Company") <br>File Nos. 811-4834 and 333-293456, Pre-Effective Amendment #1, Form N-6 (the "Registration Statement")

Commissioners:

As counsel to the Company, I am rendering the following opinion in connection with the filing with the Securities and Exchange Commission of the above Registration Statement under the Securities Act of 1933 for registration of interests in the Account funding the Company's flexible premium variable universal life insurance policies (the "Policies").

In the course of preparing this opinion, I have reviewed the corporate records with respect to the Account, and such other matters as I deemed necessary and appropriate. Based on such review, I am of the opinion that the Policies (and interests therein) which are the subject of the Registration Statement will, when sold, be legally issued and represent binding obligations of the Company, the depositor for the Account.

I consent to the filing of this opinion as an exhibit to the Registration Statement.

Very truly yours,

/s/ Michael A. Ramirez

Michael A. Ramirez <br>AVP and Senior Counsel

Protection Variable Universal Life 2026

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## Exhibit 99.30

Consent of Independent Registered Public Accounting Firm

We consent to the reference to our firm under the captions "Services" and "Financial Statements" in the Statement of Additional Information, dated May 26, 2026, and included in this Pre-Effective Amendment No. 1 to the Registration Statement (Form N-6, File No. 333-293456) of JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) Separate ACCOUNT A (the "Registration Statement").

We also consent to the use of our reports (1) dated April 8, 2026, with respect to the statutory-basis financial statements of John Hancock Life Insurance Company (U.S.A.) and (2) dated April 15, 2026, with respect to the financial statements of each of the subaccounts within JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) Separate ACCOUNT A for the year ended December 31, 2025, incorporated by reference in this Registration Statement, filed with the Securities and Exchange Commission.

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| |
|:---|
|  /s/ Ernst & Young LLP |
|  Boston, Massachusetts |
|  May 19, 2026 |

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## Exhibit 99.30

**John Hancock Life Insurance Company (U.S.A.) Separate Account A**

**John Hancock Life Insurance Company (U.S.A.)** <br>**("John Hancock USA")**

Flexible Premium Variable Universal Life Insurance Policy

PROTECTION VARIABLE UNIVERSAL LIFE 2026

Summary Prospectus for New Investors dated May 26, 2026

This Summary Prospectus summarizes key features of the Protection Variable Universal Life 2026 policy, an individual flexible premium variable universal life policy (the "Policy").

Before you invest you should also review the prospectus for the Policy (the "Prospectus") carefully, which contains more information about the Policy's features, benefits, and risks. You can find this document and other information about the Policy online at dfinview.com/JohnHancock/PUFT/PVUL2026. You can also obtain this information by calling 1-800-732-5543 or by sending an email request to webmail@jhancock.com.

**There may be particular financial intermediary or broker-dealer variations in the availability of investment options, benefits, and/or other features of the policy. See the APPENDIX: FINANCIAL INTERMEDIARY VARIATIONS in the Prospectus for more information.**

You may cancel your policy within 10 days of receiving it without paying fees or penalties. In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total policy value. You should review the Prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

Additional information about certain investment products, including variable life insurance, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

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**Table of Contents** 

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| | |
|:---|:---|
| **[important Information you should consider about the policy](#xx_28372fbe-b676-4a72-b700-f4c653a5d016_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3  |
| **[Overview of The Policy](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6  |
| *[Purpose](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6  |
| *[Premiums](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6  |
| *[Policy Features](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6  |
| **[Death benefit.](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6  |
| **[Surrender of the policy.](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6  |
| **[Withdrawals.](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6  |
| **[Policy loans.](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7  |
| **[Policy Value Credit.](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7  |
| **[Asset Credit.](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7  |
| **[Supplementary benefit riders.](#xx_dce852bc-ade4-42bc-a9e2-04cf300de932_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7  |
| **[Standard Death Benefits](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8  |
| **[Effectiveness and Policy Date.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8  |
| **[Temporary insurance coverage.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8  |
| **[Option 1 and Option 2.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8  |
| **[Minimum death benefit.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8  |
| **[Calculation and payment of the death benefit.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8  |
| **[Changes you may make.](#xx_bd754ff6-ffb6-4fbf-84e5-f2a1235a92c0_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9  |
| **[Other Benefits Available Under the Policy](#xx_e0b9def3-463e-4e5d-a616-5cc7049a6df1_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10  |
| **[Buying The Policy](#xx_594620ed-87c2-4ad7-bc8e-45feded077ca_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13  |
| *[Purchase Procedures](#xx_594620ed-87c2-4ad7-bc8e-45feded077ca_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13  |
| *[Premium Amount](#xx_594620ed-87c2-4ad7-bc8e-45feded077ca_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13  |
| *[Premium Due Dates](#xx_594620ed-87c2-4ad7-bc8e-45feded077ca_1)* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13  |
| **[How Your Policy Can Lapse](#xx_594620ed-87c2-4ad7-bc8e-45feded077ca_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14  |
| **[Lapse.](#xx_594620ed-87c2-4ad7-bc8e-45feded077ca_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14  |
| **[Reinstatement.](#xx_594620ed-87c2-4ad7-bc8e-45feded077ca_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14  |
| **[Making Withdrawals: Accessing The Money In Your Policy](#xx_594620ed-87c2-4ad7-bc8e-45feded077ca_2)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14  |
| **[ADDITIONAL INFORMATION ABOUT FEES](#xx_735742b4-38ce-4f38-a9b6-2fe2341855b5_1)** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15  |
| **[Appendix: Portfolios Available Under The Policy](#xx_480886dd-a6ea-439f-9af4-f36d03523967_1)** | &nbsp;&nbsp; Appendix-1 |

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**important Information you should consider about the policy** 

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| | | | | |
|:---|:---|:---|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** |
| Charges for Early <br> Withdrawals<br>| &nbsp;&nbsp; There are surrender charges assessed upon surrender, withdrawal, or policy <br> lapse in the first ten policy years from the Policy Date. The maximum <br> surrender charge is 5.621% of Base Face Amount. For example, if the Base <br> Face Amount is $100,000, the highest possible surrender charge would be <br> $5,621. | &nbsp;&nbsp; There are surrender charges assessed upon surrender, withdrawal, or policy <br> lapse in the first ten policy years from the Policy Date. The maximum <br> surrender charge is 5.621% of Base Face Amount. For example, if the Base <br> Face Amount is $100,000, the highest possible surrender charge would be <br> $5,621. | &nbsp;&nbsp; There are surrender charges assessed upon surrender, withdrawal, or policy <br> lapse in the first ten policy years from the Policy Date. The maximum <br> surrender charge is 5.621% of Base Face Amount. For example, if the Base <br> Face Amount is $100,000, the highest possible surrender charge would be <br> $5,621. | &nbsp;&nbsp; *FEE TABLE*<br>*Deductions from policy* <br> *value*<br>|
| Transaction Charges | &nbsp;&nbsp; In addition to surrender charges (if applicable), you may also be charged for <br> the following transactions:<br>A premium charge will be deducted from each premium paid.<br>A transfer fee may be deducted upon transfers into or out of a variable <br> investment account after you have made more than 12 such transfers in a <br> year. | &nbsp;&nbsp; In addition to surrender charges (if applicable), you may also be charged for <br> the following transactions:<br>A premium charge will be deducted from each premium paid.<br>A transfer fee may be deducted upon transfers into or out of a variable <br> investment account after you have made more than 12 such transfers in a <br> year. | &nbsp;&nbsp; In addition to surrender charges (if applicable), you may also be charged for <br> the following transactions:<br>A premium charge will be deducted from each premium paid.<br>A transfer fee may be deducted upon transfers into or out of a variable <br> investment account after you have made more than 12 such transfers in a <br> year. | &nbsp;&nbsp; *FEE TABLE*<br>*Deductions from premium* <br> *payments*<br>*Deductions from policy* <br> *value*<br>|
| Ongoing Fees and <br> Expenses (annual charges) | &nbsp;&nbsp; In addition to surrender charges and transaction charges, you will also be <br> subject to certain ongoing fees and expenses, including a cost of insurance <br> charge, administrative charge, Face Amount charge, Advance Contribution <br> Charge, asset-based risk charge, policy loan costs, and supplementary benefit <br> rider charges. Some of these fees and expenses are based wholly or in part on <br> the characteristics of the insured person (e.g., age, sex, and underwriting <br> classification).<br>You should view the "policy specifications" page of your policy for rates <br> applicable to your policy. | &nbsp;&nbsp; In addition to surrender charges and transaction charges, you will also be <br> subject to certain ongoing fees and expenses, including a cost of insurance <br> charge, administrative charge, Face Amount charge, Advance Contribution <br> Charge, asset-based risk charge, policy loan costs, and supplementary benefit <br> rider charges. Some of these fees and expenses are based wholly or in part on <br> the characteristics of the insured person (e.g., age, sex, and underwriting <br> classification).<br>You should view the "policy specifications" page of your policy for rates <br> applicable to your policy. | &nbsp;&nbsp; In addition to surrender charges and transaction charges, you will also be <br> subject to certain ongoing fees and expenses, including a cost of insurance <br> charge, administrative charge, Face Amount charge, Advance Contribution <br> Charge, asset-based risk charge, policy loan costs, and supplementary benefit <br> rider charges. Some of these fees and expenses are based wholly or in part on <br> the characteristics of the insured person (e.g., age, sex, and underwriting <br> classification).<br>You should view the "policy specifications" page of your policy for rates <br> applicable to your policy. | &nbsp;&nbsp; *FEE TABLE*<br>*Deductions from policy* <br> *value*<br>|
| Ongoing Fees and <br> Expenses (annual charges) | &nbsp;&nbsp; You will also bear expenses associated with the portfolios under the policy, <br> as shown in the following table: | &nbsp;&nbsp; You will also bear expenses associated with the portfolios under the policy, <br> as shown in the following table: | &nbsp;&nbsp; You will also bear expenses associated with the portfolios under the policy, <br> as shown in the following table: | &nbsp;&nbsp; *Charges at the portfolio* <br> *level*<br>*APPENDIX* |
| Ongoing Fees and <br> Expenses (annual charges) | **Annual Fee** | Minimum | Maximum | &nbsp;&nbsp; *Charges at the portfolio* <br> *level*<br>*APPENDIX* |
| Ongoing Fees and <br> Expenses (annual charges) | &nbsp;&nbsp; **Variable investment accounts (portfolio fees** <br> **and expenses)**<br>| 0.39%  | 1.19%  | &nbsp;&nbsp; *Charges at the portfolio* <br> *level*<br>*APPENDIX* |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | |
|:---|:---|:---|
| **RISKS** | **RISKS** | **RISKS** |
| Risk of Loss | You can lose money by investing in this policy. | &nbsp;&nbsp; *PRINCIPAL RISKS OF* <br> *INVESTING IN A* <br> *POLICY*<br>|
| Not a Short- Term <br> Investment<br>| &nbsp;&nbsp; This policy is not a short-term investment and is not appropriate for <br> an investor who needs ready access to cash. The policy is unsuitable <br> as a short-term savings vehicle because of substantial policy-level <br> charges, including the premium charge and the surrender charge, as <br> well as potential adverse tax consequences from such short-term use.<br>| &nbsp;&nbsp; *Early Surrender or* <br> *Withdrawal Risk/Not a* <br> *Short-Term Investment*<br>|
| Risks Associated with <br> Investment Options<br>| &nbsp;&nbsp; An investment in this policy is subject to the risk of poor <br> performance and can vary depending on the performance of the <br> account allocation options available under the policy (e.g., <br> portfolios). Each such option (including the fixed account) will have <br> its own unique risks, and you should review these options before <br> making an allocation decision. You can find the prospectuses and <br> other information about the portfolios at <br> dfinview.com/JohnHancock/PUFT/PVUL2026.<br>| &nbsp;&nbsp; *Investment Risk/Risk of* <br> *Loss*<br>|

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| | | |
|:---|:---|:---|
| **RISKS** | **RISKS** | **RISKS** |
| Insurance Company <br> Risks<br>| &nbsp;&nbsp; Your investment in the policy is subject to risks related to John <br> Hancock USA, including that the obligations (including under the <br> fixed account option), guarantees, or benefits are subject to the <br> claims-paying ability of John Hancock USA. Information about John <br> Hancock USA, including its financial strength ratings, is available <br> upon request from your John Hancock USA representative. Our <br> current financial strength ratings can also be obtained by contacting <br> the Service Office at 1-800-732-5543.<br>| &nbsp;&nbsp; *Depositor*<br>*Registrant*<br>|
| Policy Lapse | &nbsp;&nbsp; Unless the Death Benefit Protection feature is in effect, this policy <br> will go into default if at the beginning of any policy month the <br> policy's net cash surrender value would be zero or below after <br> deducting the monthly deductions then due. The "net cash surrender <br> value" is your policy value, less any policy debt, and less any <br> applicable surrender charges. This can happen as a result of <br> insufficient premium payments, poor performance of the variable or <br> general account options you have chosen, withdrawals, or unpaid <br> loans or loan interest. If a default is not cured within a 61-day grace <br> period, your policy will lapse without value, and no death benefit or <br> other benefits will be payable. You can apply to reinstate a policy that <br> has gone into default, subject to conditions including payment of a <br> specified amount of additional premiums.<br>| &nbsp;&nbsp; *Lapse and* <br> *Reinstatement*<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | |
|:---|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** | **RESTRICTIONS** |
| Investments | &nbsp;&nbsp; There are restrictions that may limit the variable investment account <br> options and general account options (including under the fixed <br> account option) that you may choose, as well as limitations on the <br> transfer of policy value among those options. These restrictions may <br> include a monthly limit on the number of transfers you may make. <br> We may also impose additional restrictions to discourage market <br> timing and disruptive trading activity. <br>In particular, your allocation options will be affected if you elect to <br> take a loan or receive benefits under certain supplementary benefit <br> riders.<br>Among other things, the policy also allows us to eliminate the shares <br> of a portfolio or substitute shares of another new or existing <br> portfolio, subject to applicable legal requirements.<br>Certain investment options may not be available through certain <br> financial intermediaries. See APPENDIX: FINANCIAL <br> INTERMEDIARY VARIATIONS in the Prospectus for more <br> information.<br>| &nbsp;&nbsp; *Limitations on transfers* <br> *to or from a variable* <br> *investment account*<br>*Limitations on transfers* <br> *out of the fixed account*<br>*Effect of Loans on Cash* <br> *Value and Death* <br> *Benefit*<br>*Long-Term Care Rider* <br> *Long-Term Care Rider* <br> *2018 and Defined* <br> *Benefit Chronic Illness* <br> *Rider*<br>*Portfolios* <br>|

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| | | |
|:---|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** | **RESTRICTIONS** |
| Optional Benefits | &nbsp;&nbsp; There are restrictions and limitations relating to optional benefits, as <br> well as conditions under which an optional benefit may be modified <br> or terminated by us. For example, certain supplementary benefit <br> riders may be subject to underwriting, and your election of an option <br> may result in restrictions upon some of the policy benefits, including <br> availability of investment options.<br>Availability of certain optional benefits may vary due to state <br> limitations. See the Material State Variations table for more <br> information.<br>Certain optional benefits may not be available through certain <br> financial intermediaries. See APPENDIX: FINANCIAL <br> INTERMEDIARY VARIATIONS in the Prospectus for more <br> information.<br>| &nbsp;&nbsp; *Defined Benefit* <br> *Chronic Illness Rider*<br>*More About Certain* <br> *Optional Benefits*<br>*Variations*<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | |
|:---|:---|:---|
| **TAXES** | **TAXES** | **TAXES** |
| Tax Implications | &nbsp;&nbsp; You should consult with a tax professional to determine the tax <br> implications of an investment in and payments received under the <br> policy. There is no additional tax benefit to you if the policy is <br> purchased through a tax-qualified plan. If we pay out any amount of <br> your policy value upon surrender or partial withdrawal, all or part of <br> that distribution would generally be treated as a return of the <br> premiums you've paid and not subjected to income tax, with any <br> portion not treated as a return of your premiums includible in your <br> income. Distributions also are subject to tax penalties under some <br> circumstances. If your policy is a modified endowment contract, <br> distributions, including policy loans, are treated as coming first from <br> the gain in the policy and are includible in your income.<br>| &nbsp;&nbsp; *Tax Consequences of* <br> *Owning a Policy*<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | |
|:---|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| Investment Professional <br> Compensation<br>| &nbsp;&nbsp; Some investment professionals may receive compensation for selling <br> the policy, including by means of commissions and revenue sharing <br> arrangements. These investment professionals may have a financial <br> incentive to offer or recommend this policy over another investment.<br>| &nbsp;&nbsp; *Commissions Paid to* <br> *Dealers*<br>|
| Exchanges | &nbsp;&nbsp; Some investment professionals may have a financial incentive to <br> offer you a new policy in place of the one you already own, and you <br> should only exchange your policy if you determine, after comparing <br> the features, fees, and risks of both policies, that it is preferable for <br> you to purchase the new policy rather than continue to own the <br> existing policy.<br>| &nbsp;&nbsp; *Commissions Paid to* <br> *Dealers*<br>|

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**Overview of The Policy**

**Purpose**

The purpose of the policy is to provide lifetime protection against economic loss due to the death of the insured person, to help you accumulate assets through variable investment and fixed accounts that we make available, and to provide or supplement your retirement income. The policy may be appropriate for persons seeking both life insurance protection and the potential for the accumulation of cash values. However, fees, expenses and tax implications can make variable life insurance unsuitable as a short-term savings vehicle.

**Premiums**

We call the investments you make in the policy "premiums" or "premium payments." The Minimum Initial Premium is a dollar amount that is stated in your policy specifications and that must be paid to us in full before your policy will take effect. Premium payments after the initial premium may not be required, but you must pay enough premium to keep the policy in force. That's why the policy is called a "flexible premium" policy. After the payment of the initial premium, premiums may be paid at any time and in any amount until the insured person's attained age 121, subject to the need to pay enough premium to keep the policy in force, and to limitations on maximum premium amount.

Federal tax law limits the amount of premium payments you can make relative to the amount of your policy's insurance coverage. We will not knowingly accept any amount by which a premium payment exceeds this limit. In addition, in order to limit our investment risk exposure under certain market conditions, we may refuse to accept additional premium payments.

From each premium payment you make, we deduct the applicable premium charges identified in the <u>FEE TABLE</u>. We invest the rest (the "net premium") in the variable investment accounts or any fixed account you've elected.

The policy offers a number of variable investment accounts. **You can find some important information about each portfolio in the APPENDIX: PORTFOLIOS AVAILABLE UNDER THE POLICY**, but for a full description of each portfolio, including the investment objectives and strategies, policies, restrictions, and risks, you should read the portfolio's prospectus carefully before investing in the corresponding variable investment account.

You can also allocate policy value to the fixed account (where it is credited with rates of interest that we declare from time to time but will never be less than a minimum rate guaranteed in your policy specifications).

If the net cash surrender value is insufficient to pay the charges when due and the Death Benefit Protection feature is not in effect, your policy can terminate (i.e. "lapse"). This can happen because you haven't paid enough premium, because the investment performance of the variable investment accounts you've chosen has been poor, or because of a combination of both factors.

**Policy Features**

**Death benefit.** When the insured person dies, we will pay the "death benefit" minus any policy debt and unpaid fees and charges. There are two ways of calculating the death benefit. You choose which one you want in the application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• <u>Option 1.</u> The death benefit will equal the greater of (1) the Face Amount plus any amount payable under a supplementary benefit rider, or (2) the minimum death benefit. The Face Amount is the amount of life insurance coverage as set forth in your policy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• <u>Option 2.</u> The death benefit will equal the greater of (1) the Face Amount plus any amount payable under a supplementary benefit rider, plus the policy value on the date of death, or (2) the minimum death benefit.

**Surrender of the policy.** You may surrender the policy in full while the insured person is alive. If you do, we will pay you the policy value less any outstanding policy debt and less any applicable surrender charge. This is called your "net cash surrender value."

**Withdrawals.** After the first policy year, you may make a withdrawal of part of your net cash surrender value. Generally, each withdrawal must be at least $500. Your policy value is automatically reduced by the amount of the withdrawal. A withdrawal may also reduce the Face Amount.

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**Policy loans.** If your policy is in force and has sufficient policy value, you may borrow from it at any time by completing the appropriate form. Generally, the minimum amount of each loan is $500. The maximum amount you can borrow is determined by a formula as described in your policy. Interest is charged on each loan. If there is an outstanding loan when the insured person dies, the amount of the loan and accrued interest will be deducted from the death benefit and other policy proceeds.

**Policy Value Credit.** We will apply a Policy Value Credit to your policy value on each monthly deduction date. The Policy Value Credit on each monthly deduction date is equal to the greater of zero and Policy Value Credit Component A minus Policy Value Credit Component B, where both components are individual calculations used to determine the value, if any, of the Policy Value Credit that will be applied. However, in no event will the Policy Value Credit exceed the Cost of Insurance Charge for that monthly deduction date. The calculation of the Policy Value Credit components is described in detail in your Policy Specifications. The Policy Value Credit component rates vary by the insured's age, sex, and risk class and are shown in your Policy Specifications. The Policy Value Credit will be allocated automatically to each variable investment account and/or the fixed account in the same proportions as we are taking your monthly deductions. This credit is designed to help improve the long-term performance of your policy and is affected by the amounts and timing of the premiums that you pay into the policy, how well the variable investment accounts you select perform, withdrawals and other changes you make to the policy. You can see the effect that these factors have on the policy value by requesting an illustration at various assumptions.

**Asset Credit.** We will apply an Asset Credit on each monthly deduction date beginning in the Asset Credit Commencement Year (Policy Year 11). The Asset Credit equals the Asset Credit Rate times the lesser of the policy value (excluding the Loan Account) and the Face Amount. The applicable Asset Credit Rates vary by the insured's age and are shown in your Policy Specifications. The Asset Credit will be allocated automatically to each variable investment account and/or the fixed account in the same proportions as we are taking your monthly deductions. This credit is designed to help improve the long-term performance of your policy and is affected by the amounts and timing of the premiums that you pay into the policy, how well the variable investment accounts you select perform, loans, withdrawals and other changes you make to the policy. You can see the effect that these factors have on the policy value by requesting an illustration at various assumptions.

**Supplementary benefit riders.** When you apply for the policy, you can request any of the below-listed supplementary benefit riders that we make available. Availability of riders varies from state to state. Charges for most riders will be deducted monthly from the policy value. Some riders may not be available in combination with other riders or benefits.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Healthy Engagement Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Critical Illness Benefit Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disability Payment of Specified Premium Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Long-Term Care Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Long-Term Care Rider 2018

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accelerated Benefit Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Healthy Engagement Core Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Enhanced Death Benefit Protection Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accelerated Death Benefit for Chronic Illness Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Defined Benefit Chronic Illness Rider

You can find information about the fees we charge for these riders under "Optional Benefit Charges" in the Fee Table below. We also offer, at no charge, a dollar cost averaging ("DCA") program and an asset allocation balancer program.

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**Standard Death Benefits**

**Effectiveness and Policy Date.** After you apply for a policy, we gather and evaluate all the information we need to decide whether to issue a policy to you and, if so, what the insured person's risk classification should be. After we approve an application for a policy and assign an appropriate insurance risk classification, we will prepare the policy for delivery. The policy will take effect only if all of the following conditions are satisfied:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The policy is delivered to and received by the applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Minimum Initial Premium is received by us.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The insured person is living and there has been no deterioration in the insurability of the insured person since the date of the application.

If all of the above conditions are satisfied, the policy will take effect on the date shown in the policy as the "Policy Date." That is the date on which we begin to take monthly deductions. Policy months, policy years and policy anniversaries are all measured from the Policy Date. Under limited circumstances, we may backdate a policy, upon request, by assigning a Policy Date earlier than the date the application is signed. However, in no event will a policy be backdated earlier than the earliest date allowed by state law, which is generally three months to one year prior to the date of application for the policy. The most common reasons for backdating are to preserve a younger age at issue for the insured person or to retain a common monthly deduction date in certain corporate-owned life insurance cases involving multiple policies issued over time. If used to preserve age, backdating will result in lower insurance charges. However, monthly deductions will begin earlier than would otherwise be the case.

**Temporary insurance coverage.** If a specified amount of premium is paid with the application for a policy and other conditions are met, we will provide temporary term life insurance coverage on the insured person for a period prior to the time coverage under the policy takes effect. Such temporary term coverage will be subject to the terms and conditions described in the Temporary Life Insurance Agreement and Receipt attached to the application for the policy, including conditions to coverage and limits on amount and duration of coverage.

**Option 1 and Option 2.** When the insured person dies, we will pay the death benefit minus any outstanding policy debt and unpaid fees and charges. There are two ways of calculating the death benefit. You must choose which one you want in the application. The two death benefit options are described below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• <u>Option 1.</u> The death benefit will equal the greater of (1) the Total Face Amount plus any amount payable under a supplementary benefit rider, or (2) the minimum death benefit (as described below).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• <u>Option 2.</u> The death benefit will equal the greater of (1) the Total Face Amount plus any amount payable under a supplementary benefit rider, plus the policy value on the date of death, or (2) the minimum death benefit.

For the same premium payments, the death benefit under Option 2 will tend to be higher than the death benefit under Option 1. On the other hand, the cost of insurance charges (based on the higher net amount at risk) will be higher under Option 2 to compensate us for the additional insurance risk. Because of that, the policy value will tend to be higher under Option 1 than under Option 2 for the same premium payments.

**Minimum death benefit.** In order for a policy to qualify as life insurance under Federal tax law, there has to be a minimum amount of insurance in relation to policy value. The Federal tax law test that will be applied at issue to determine whether your policy qualifies for life insurance is the cash value accumulation test.

Under the cash value accumulation test, we compute the minimum death benefit each business day by multiplying the policy value on that date by the death benefit factor applicable on that date. The factor decreases as attained age increases. A table showing the factor for each age will appear in the policy.

To the extent that the calculation of the minimum death benefit under the selected life insurance qualification test causes the death benefit to exceed our limits, we reserve the right to return premiums or distribute a portion of the policy value so that the resulting amount of insurance is maintained within our limits. Alternatively, if we should decide to accept the additional amount of insurance, we may require additional evidence of insurability.

**Calculation and payment of the death benefit.** We will ordinarily pay any death benefit within seven days after we receive the last required form or request and any other documentation that may be required. You may choose to receive proceeds from the policy as a single sum. If we do not have information about the desired manner of payment within seven days after the date we receive documentation of the insured person's death, we will pay the proceeds as a single sum. As permitted by state

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law and our current administrative procedures, death claim proceeds may be placed into an interest-bearing John Hancock retained asset account in the beneficiary's name. The interest earned in a John Hancock retained asset account is normally subject to income tax. You should consult with your tax advisor if you have any questions regarding taxation of the interest earned. We will provide the beneficiary with a checkbook, so checks may be written for all or a part of the proceeds. The retained asset account is part of our general account and is subject to the claims of our creditors. It is not a bank account and it is not insured by the FDIC. We may receive a benefit from managing proceeds held in a retained asset account. Alternatively, you can elect to have proceeds of $1,000 or more applied to any of the other payment options we may offer at the time. You cannot choose an option if the monthly payments under the option would be less than $50. We will issue a supplementary agreement when the proceeds are applied to any alternative payment option. That agreement will spell out terms of the option in full. Please contact our Service Office at 1-800-732-5543 for more information.

**Changes you may make.** Subject to certain limitations and conditions, you may request a change from death benefit Option 2 to Option 1 or a reduction in your policy's Face Amount. However, you may not request a change from Option 1 to Option 2 or a Face Amount increase.

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**Other Benefits Available Under the Policy**

In addition to the standard death benefits associated with your policy, other standard and/or optional benefits may also be available to you. The following tables summarize information about those benefits. Information about the fees associated with each benefit included in the tables may be found in the FEE TABLE. **Certain benefits may not be available through certain financial intermediaries. See APPENDIX: FINANCIAL INTERMEDIARY VARIATIONS in the Prospectus for more information.** 

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| | | |
|:---|:---|:---|
| **STANDARD BENEFITS** | **STANDARD BENEFITS** | **STANDARD BENEFITS** |
| **Name of Benefit** | **Purpose** | &nbsp;&nbsp; **Brief Description of**<br> **Restrictions/Limitations**<br>|
| Dollar cost averaging | &nbsp;&nbsp; Under the dollar cost averaging program, you will <br> designate an amount that will be transferred <br> monthly from one variable investment account into <br> any other variable investment account or a fixed <br> account.<br>| &nbsp;&nbsp; We reserve the right to cease to offer this program <br> after written notice to you.<br>|
| Asset allocation balancing | &nbsp;&nbsp; Under the asset allocation balancer program, you <br> will designate a percentage allocation of policy <br> value among variable investment accounts. We will <br> automatically transfer amounts among the variable <br> investment accounts at intervals you select <br> (annually, semi-annually, quarterly, or monthly) to <br> reestablish your chosen allocation.<br>| &nbsp;&nbsp; We reserve the right to cease this program after <br> written notice to you.<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | |
|:---|:---|:---|
| **OPTIONAL BENEFITS** | **OPTIONAL BENEFITS** | **OPTIONAL BENEFITS** |
| **Name of Benefit** | **Purpose** | &nbsp;&nbsp; **Brief Description of**<br> **Restrictions/Limitations**<br>|
| Healthy Engagement <br> Rider\*<br>| &nbsp;&nbsp; Provides the opportunity to add credits to your <br> policy value based upon the insured person's <br> ongoing participation in activities that promote a <br> healthy lifestyle. The higher the insured person's <br> healthy engagement status category, and the more <br> years the insured person qualifies for higher status <br> categories, the larger your credits are likely to be. <br> The Healthy Engagement Rider also provides the <br> insured person with the possibility of other <br> benefits.<br>| &nbsp;&nbsp; The amount of any credit will be reduced (a) the <br> closer we are to charging the policy's maximum <br> cost of insurance rate or (b) at any time the policy's <br> death benefit exceeds the cap shown in your policy. <br> We have the right to change at any time the <br> qualification standards for status categories. Also, <br> we may change or terminate any other incentives.<br>|
| Healthy Engagement Core <br> Rider\*<br>| &nbsp;&nbsp; This program is designed to help improve the <br> longevity of the insured person by educating and <br> motivating the insured person to develop and <br> maintain a healthy lifestyle.<br>By participating in this program, the insured person <br> may receive discounts on certain goods and <br> services, educational resources, tools, or other <br> items that are designed to encourage learning and <br> participation in healthy activities.<br>| &nbsp;&nbsp; We reserve the right to amend aspects of the <br> program from time to time, including the Program <br> Rewards. <br>In order to participate in the program, the insured <br> person (i) must have attained Age 20, and (ii) must <br> not have elected the Healthy Engagement Rider.<br>|

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| | | |
|:---|:---|:---|
| **OPTIONAL BENEFITS** | **OPTIONAL BENEFITS** | **OPTIONAL BENEFITS** |
| **Name of Benefit** | **Purpose** | &nbsp;&nbsp; **Brief Description of**<br> **Restrictions/Limitations**<br>|
| Disability Payment of <br> Specified Premium <br> Rider\*<br>| &nbsp;&nbsp; Pays a specified amount of premium into the policy <br> value each month during the life insured person's <br> total disability.<br>| &nbsp;&nbsp; Total disability must begin between the policy <br> anniversaries nearest the insured person's 5th and <br> 65th birthdays and must be continuous for at least <br> six months. <br>We will not pay the specified premium under this <br> rider if: (1) the total disability results from an <br> intentional, self-inflicted injury or service in the <br> armed forces; or<br>(2) the total disability begins within 2 years after <br> the rider's Issue Date and results from an injury <br> sustained or a disease contracted before the rider's <br> Issue Date. The specified premium may be reduced <br> in the event of a reduction in Total Face Amount. <br> The specified premium paid under this rider may <br> not be sufficient to maintain the policy in force to <br> Age 121.<br>|
| Long Term Care Rider | &nbsp;&nbsp; Provides for periodic advance payments to you of a <br> portion of the death benefit if the insured person <br> becomes chronically ill as defined in the policy and <br> has received qualified long-term care service while <br> the policy is in force. If you elect this rider, you will <br> also have an option to apply to have a portion of the <br> policy's death benefit advanced to you in the event <br> of terminal illness.<br>| &nbsp;&nbsp; There is a maximum amount of death benefit that <br> we will advance for each month of qualification. <br> Each advance reduces the remaining death benefit <br> under your policy and causes a proportionate <br> reduction in your policy value. We restrict your <br> policy value's exposure to market risk when <br> benefits are paid under the Long-Term Care Rider <br> by transferring all policy value to the fixed account. <br> In addition, you will not be permitted to transfer <br> policy value or allocate any additional premium <br> payment to a variable investment account while <br> rider benefits are paid. There is a significant risk <br> that ownership of a policy with this rider by anyone <br> other than the insured person will cause adverse tax <br> consequences.<br>|
| Long Term Care Rider <br> 2018\*<br>| &nbsp;&nbsp; Provides for periodic advance payments to you of a <br> portion of the death benefit if the insured person <br> becomes chronically ill as defined in the policy and <br> has received qualified long-term care service while <br> the policy is in force. Rider benefits may also be <br> used to pay for Stay at Home Services.<br>| &nbsp;&nbsp; Each advance payment under the rider reduces the <br> remaining death benefit under your policy and <br> causes a proportionate reduction in your policy <br> value. We restrict your policy value's exposure to <br> market risk when benefits are paid under the Long-<br> Term Care Rider 2018 by transferring all policy <br> value to the fixed account. In addition, you will not <br> be permitted to transfer policy value or allocate any <br> additional premium payment to a variable <br> investment account while rider benefits are paid. <br> There is a significant risk that ownership of a <br> policy with this rider by anyone other than the <br> insured person will cause adverse tax <br> consequences.<br>|
| Accelerated Benefit Rider | &nbsp;&nbsp; Allows you to make a one-time request to <br> accelerate a portion of your death benefit should <br> the insured person become terminally ill and have a <br> life expectancy of one year or less.<br>| &nbsp;&nbsp; Payment of the benefit amount will reduce your <br> death benefit, cash value or loan value under your <br> policy. This rider is only available with policies that <br> are individually owned.<br>|

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| | | |
|:---|:---|:---|
| **OPTIONAL BENEFITS** | **OPTIONAL BENEFITS** | **OPTIONAL BENEFITS** |
| **Name of Benefit** | **Purpose** | &nbsp;&nbsp; **Brief Description of**<br> **Restrictions/Limitations**<br>|
| Critical Illness Benefit <br> Rider\*<br>| &nbsp;&nbsp; Pays the policy owner a one-time, lump sum benefit <br> amount if the insured person is diagnosed with <br> certain illnesses.<br>| &nbsp;&nbsp; If the insured person receives a first-time diagnosis <br> for one of the critical illnesses before the rider is in <br> force or during the rider's waiting period, then the <br> policy owner will not receive benefits under this <br> rider for that critical illness. Benefits paid under <br> this rider do not provide or pay for the cost of <br> medical care and are meant to be supplemental to <br> health insurance that does pay for such costs.<br>|
| Enhanced Death Benefit <br> Protection Rider<br>| &nbsp;&nbsp; To increase the protection afforded by the policy's <br> Death Benefit Protection feature, so that the policy <br> is even less likely to lapse due to insufficient net <br> cash surrender value.<br>| &nbsp;&nbsp; This rider cannot be added after issuance of the <br> policy. Nor can it be terminated prior to the policy's <br> termination.<br>|
| Accelerated Death Benefit <br> for Chronic Illness Rider\*<br>| &nbsp;&nbsp; Provides for periodic advance payments to you of a <br> portion of the death benefit if the insured person <br> becomes chronically ill as defined in the policy.<br>| &nbsp;&nbsp; Accelerations may be requested no more frequently <br> than once every 12 months. Each acceleration <br> under the rider reduces the remaining death benefit <br> under your policy and causes a proportionate <br> reduction in your policy value. Advance payments <br> are restricted to the annualized IRS per diem limit <br> under IRC Section 7702B.<br>|
| Defined Benefit Chronic <br> Illness Rider\*<br>| &nbsp;&nbsp; Provides for periodic advance payments to you of a <br> portion of the death benefit if the insured person <br> becomes chronically ill as defined in the policy.<br>| &nbsp;&nbsp; Each acceleration under the rider reduces the <br> remaining death benefit under your policy and <br> causes a proportionate reduction in your policy <br> value. We restrict your policy value's exposure to <br> market risk when benefits are paid under this rider <br> by transferring all policy value to the fixed account. <br> In addition, you will not be permitted to transfer <br> policy value or allocate any additional premium <br> payment to a variable investment account while <br> rider benefits are paid. If this rider is exercised, <br> death benefit option 1 must be in effect or, if not <br> already in effect, the death benefit option must be <br> changed to option 1. Advance payments are <br> restricted by the IRS per diem limit under IRC <br> Section 7702B.<br>|

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**\* See the Material State Variations table in the Variations section for any limitations of availability by state.**

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**Buying The Policy**

**Purchase Procedures**

Generally, the policy is available with a minimum Base Face Amount at issue of $50,000. At the time of issue, the insured person must have an attained age of no more than 90. The insured person must meet certain health and other insurance risk criteria called "underwriting standards."

The Minimum Initial Premium is set forth in your policy specifications. Factors that determine the minimum initial premium amount generally include the insured person's age, sex and risk classification including any additional ratings; the Total Face Amount of insurance; choice of Death Benefit Option 1 vs. Option 2; and any selected supplementary benefit rider. Premium payments after the initial premium may not be required, but you must pay enough premium to keep the policy in force. That's why the policy is called a "flexible premium" policy.

If you pay premiums by check or money order, they must be drawn on a U.S. bank in U.S. dollars and made payable to "John Hancock." We will not accept credit card checks. We will not accept starter or third party checks if they fail to satisfy our administrative requirements. Premiums after the first must be sent to the John Hancock USA Service Office at Life Post Issue, P.O. Box 55979, Boston MA 02205. We will also accept premiums by wire or by exchange from another insurance company, or via an electronic funds transfer program (any owner interested in making monthly premium payments must use this method).

**Premium Amount**

In addition to the Minimum Initial Premium, your policy specifications will also show the "Planned Premium" that you chose for the policy. Payment of Planned Premiums is not necessarily required, however. You need only pay enough premium to keep the policy in force.

The amount and frequency of the Planned Premium are determined by you, in consultation with your financial advisor, based upon your financial objectives for the policy. Depending upon the amount and timing of your actual premium payments, investment results, changing objectives and other factors, you may need to change the amount and frequency of your premium payments from the Planned Premium amount in order for the policy to continue to support your financial objectives. You may be required to pay additional premiums beyond the Planned Premium amount in order to keep your policy from lapsing. You should request in-force illustrations periodically in order to help assure that you are keeping on track with your objectives.

Federal tax law limits the amount of premium payments you can make relative to the amount of your policy's insurance coverage. Also, in order to limit our exposure to unanticipated investment risk, we may refuse to accept additional premium payments. For example, with large premium payments in an environment of decreasing interest rates, we may not be able to acquire investments for our general account that will sufficiently match the liabilities we are incurring under our fixed account guarantees. Excessive allocations may also interfere with the effective management of our variable investment accounts, if we are unable to make an orderly investment of the additional premium into the variable investment accounts. Also, we may refuse to accept or limit an amount of premium if the amount of the premium would increase our insurance risk exposure, and the insured person doesn't provide us with adequate evidence that he or she continues to meet our requirements for issuing insurance.

We will notify you in writing of our refusal to accept premium and will promptly thereafter take the necessary steps to return the premium to you. Notwithstanding the foregoing limits on the premium that we will accept, we will not refuse to accept any premium necessary to prevent the policy from terminating.

**Premium Due Dates**

Unless the Death Benefit Protection feature is in effect, a policy will go into default if at the beginning of any policy month the policy's net cash surrender value would be zero or below after deducting the monthly deductions then due. Therefore, a policy could lapse eventually if increases in policy value (prior to deduction of policy charges) are not sufficient to cover policy charges. We will notify you of the default and will allow a 61-day grace period in which you may make a premium payment sufficient to bring the policy out of default. The required payment will be equal to the amount necessary to bring the net cash surrender value to zero, if it was less than zero on the date of default, plus an amount equal to three times the monthly deductions due on the date of default, plus any applicable premium charge. If the insured person should die during the grace

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period, the policy value used in the calculation of the death benefit will be the policy value as of the date of default and the death benefit will be reduced by any outstanding monthly deductions due at the time of death. If the required payment is not received by the end of the grace period, the policy will terminate (i.e., "lapse") with no value.

**How Your Policy Can Lapse**

**Lapse.** Unless the Death Benefit Protection feature is in effect, a policy will go into default if at the beginning of any policy month the policy's net cash surrender value would be zero or below after deducting the monthly deductions then due. Therefore, a policy could lapse eventually if increases in policy value (prior to deduction of policy charges) are not sufficient to cover policy charges, and sufficient premium payments are not made during the grace period, as discussed in the paragraph immediately above under "Premium Due Dates."

**Reinstatement.** By making a written request, you can reinstate a policy that has gone into default and terminated at any time within the three-year period following the date of termination subject to the following conditions:

(a) You must provide to us evidence of the insured person's insurability that is satisfactory to us; and

&nbsp;&nbsp;&nbsp;&nbsp;(b) You must pay the Default Payment. The Default Payment will be the lesser of (a) the amount necessary to bring the net cash surrender value to zero, if it is less than zero on the date of default, plus the amount necessary to keep the net cash surrender value above zero for the next three policy months and (b) the Death Benefit Protection Default Payment. See the "Death Benefit Protection" section in the Prospectus for more information.

If the reinstatement is approved, the date of reinstatement will be the later of the date we approve your request or the date the required payment is received at our Service Office. In addition, any surrender charges will be reinstated to the amount they were at the date of default. The policy value on the date of reinstatement, prior to the crediting of any net premium paid in connection with the reinstatement, will be equal to the policy value on the date the policy terminated. Any policy debt not paid upon termination of a policy will be reinstated if the policy is reinstated.

Generally, the suicide exclusion and incontestability provisions will apply from the effective date of reinstatement. A surrendered policy cannot be reinstated.

**Making Withdrawals: Accessing The Money In Your Policy**

You may surrender the policy in full at any time, in which case we will pay you the policy's full net cash surrender value and coverage under the policy and any riders and other benefits under the policy will cease. If you surrender your policy, we will pay you the policy value less any policy debt and surrender charge that then applies. You must return your policy when you request a surrender.

After the first policy year, you may take a withdrawal of part of your net cash surrender value once in each policy month. Generally, each withdrawal must be at least $500. Because it reduces the policy value, any withdrawal will reduce your death benefit under either Option 1 or Option 2. Under Option 1, such a withdrawal may also reduce the Total Face Amount. The amount of payment you will receive upon a surrender or withdrawal is based on values calculated as of the day we receive your request in good order or, if that is not a business day, on the next day that is. We generally pay that amount to you within seven days thereafter.

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**ADDITIONAL INFORMATION ABOUT FEES** 

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the policy. Please refer to your policy specifications for information about the specific fees you will pay each year based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time that you buy the policy, surrender or make withdrawals from the policy, or transfer policy value between investment options.

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| | | |
|:---|:---|:---|
| **TRANSACTION FEES** | **TRANSACTION FEES** | **TRANSACTION FEES** |
| **Charge** | **When Charge is Deducted** | **Amount Deducted** |
| Maximum premium charge | Upon payment of premium | 20% of each premium paid (1)  |
| Surrender charge<sup>(2)</sup> <br>| &nbsp;&nbsp; Upon surrender, policy lapse, withdrawals, <br> and certain reductions in Face Amount<br>|  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $2.17 per $1,000 of Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $56.21 per $1,000 of Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a representative insured <br> person<br>|  | $39.44 per $1,000 of Face Amount |
| Transfer fee<sup>(3)</sup> <br>| &nbsp;&nbsp; Upon each transfer into or out of a variable <br> investment account beyond an annual limit <br> of twelve<br>| $25.00 |
| Enhanced Death Benefit Protection <br> Rider<sup>(4)</sup> <br>| Upon payment of premium | 10% of each premium paid |

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*(1) This charge is 20% of each premium paid in years 1-10 and 17% of each premium paid in years 11 and thereafter.*

&nbsp;&nbsp;&nbsp;&nbsp;*(2) A surrender charge is applicable for ten policy years from the Policy Date, and varies based upon the sex, issue age and duration, and risk classification of the insured person. The maximum charge shown is for a 68-year old female super preferred non-smoker underwriting risk. The minimum charge shown is for a 90-year old male standard non-smoker underwriting risk. The representative insured person rate shown is for a 55-year old male preferred non-smoker underwriting risk. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.*

*(3) This charge is not currently imposed, but we reserve the right to do so in the policy.*

*(4) This charge does not apply if the Enhanced Death Benefit Protection Rider is not elected.*

The next table describes the fees and expenses that you will pay periodically during the time that you own the policy, not including portfolio fees and expenses.

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| | | |
|:---|:---|:---|
| **PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** |
| **Charge** | **When Charge is Deducted** | **Amount Deducted** |
| **Base Policy Charges:** |  |  |
| Cost of Insurance<sup>(1)</sup>: | Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.01 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $83.33 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a representative insured <br> person<br>|  | $0.28 per $1,000 of NAR |
| Administrative charge | Monthly | $15.00 |
| Face Amount charge<sup>(2)</sup>: | Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.05 per $1,000 of Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $11.69 per $1,000 of Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a representative insured <br> person<br>|  | $0.33 per $1,000 of Face Amount |
| Advance Contribution Charge<sup>(3)</sup> <br>| Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | &nbsp;&nbsp; $0.01 per $1,000 of excess Cumulative <br> Premiums<br>|

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| | | |
|:---|:---|:---|
| **PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** |
| **Charge** | **When Charge is Deducted** | **Amount Deducted** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | &nbsp;&nbsp; $3.75 per $1,000 of excess Cumulative <br> Premiums<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for representative insured <br> person<br>|  | &nbsp;&nbsp; $1.42 per $1,000 of excess Cumulative <br> Premiums<br>|
| Asset-based risk charge<sup>(4)</sup> <br>| Monthly | 0.0208% (monthly rate) of policy value |
| Maximum policy loan interest rate<sup>(5)</sup> <br>| Accrues daily Payable annually | 3.25% annual rate |
| Charge | When Charge is Deducted | Amount Deducted |
| **Optional Benefit Charges:** |  |  |
| Healthy Engagement Rider | Monthly | $2 |
| Critical Illness Benefit Rider<sup>(6)</sup> <br>| Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | &nbsp;&nbsp; $0.20 per $1,000 of Critical Illness Benefit <br> Amount<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | &nbsp;&nbsp; $48.43 per $1,000 of Critical Illness <br> Benefit Amount<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for representative insured <br> person<br>|  | &nbsp;&nbsp; $5.10 per $1,000 of Critical Illness Benefit <br> Amount<br>|
| Disability Payment of Specified Premium <br> Rider<sup>(7)</sup> <br>| Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $16.57 per $1,000 of Specified Premium |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $198.67 per $1,000 of Specified Premium |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for representative insured <br> person<br>|  | $88.11 per $1,000 of Specified Premium |
| Long-Term Care Rider<sup>(8)</sup> <br>| Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.01 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $3.34 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for representative insured <br> person<br>|  | $0.11 per $1,000 of NAR |
| Long-Term Care Rider 2018<sup>(9)</sup> <br>| Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.01 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $3.75 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for representative insured <br> person<br>|  | $0.10 per $1,000 of NAR |
| Defined Benefit Chronic Illness Rider<sup>(10)</sup> <br>| Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.01 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $53.03 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for representative insured <br> person<br>|  | $0.52 per $1,000 of NAR |

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&nbsp;&nbsp;&nbsp;&nbsp;*(1) The "cost of insurance" charge is determined by multiplying the net amount of insurance for which we are at risk (the "NAR") by the applicable cost of insurance rate. The rates vary widely depending upon age at issue, the length of time the policy has been in effect, the insurance risk characteristics of the insured person and (generally) the gender of the insured person. The minimum rate shown is the rate in the first policy year for a 5-year old female standard non-smoker underwriting risk. The maximum rate shown is the rate in policy year 14 for a policy issued to cover a 90-year old male substandard smoker underwriting risk. The representative insured person rate shown is the rate for a 55-year old male preferred non-smoker underwriting risk with a policy in the first policy year. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.*

&nbsp;&nbsp;&nbsp;&nbsp;*(2) This charge is determined by multiplying the Face Amount at issue by the applicable rate. The rates vary by the sex, age, and risk classification at issue of the insured person. The charge also varies by policy year. The minimum rate shown is the rate for a 0 year old female standard non-smoker underwriting risk with a policy in the first policy year. The maximum rate shown is the rate for a 90-year* 

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*old male standard smoker underwriting risk with a policy in the fourth policy year. The representative insured person rate shown is for a 55-year old male preferred non-smoker underwriting risk with a policy in the first policy year. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.*

&nbsp;&nbsp;&nbsp;&nbsp;*(3) This charge is determined by taking the excess (if any) of cumulative premiums paid over the Advance Contribution Limit multiplied by the number of years that your policy has been in effect, and multiplying the result by the Advance Contribution Charge Rate for the current policy year, through policy year 10. The charge will be zero after year 10. The Advance Contribution Charge Rates and Advance Contribution Limit vary depending upon the issue age, insurance risk characteristics and gender of the insured person. The Advance Contribution Charge Rates and the Advance Contribution Limit are identified in your Policy Specifications. The maximum rate shown is for a 35-year old male super preferred non-smoker underwriting risk with a policy in the first policy year. The minimum rate shown is for a 0-year old male standard non-smoker underwriting risk with a policy in the tenth policy year. The representative insured person rate shown is the rate for a 55-year old male preferred non-smoker underwriting risk with a policy in the first policy year. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.*

&nbsp;&nbsp;&nbsp;&nbsp;*(4) This charge is not currently imposed, but we reserve the right do so in the policy. This charge only applies to that portion of policy value held in the variable investment accounts. The charge determined does not apply to any fixed account.*

&nbsp;&nbsp;&nbsp;&nbsp;*(5) The maximum effective annual interest rate we can charge for the loan account is 3.25% for policy years 1 through 10 and 2.25% for policy years 11 and thereafter. The minimum interest that the loan account will earn is equal to the difference between the maximum annual interest rate we charge for the loan minus the Maximum Loan Interest Credited Differential. The "Maximum Loan Interest Credited Differential" is the difference between the annual interest rate we charge for the loan minus the interest rate we credit for the loan.*

&nbsp;&nbsp;&nbsp;&nbsp;*(6) The charge for this rider is determined by multiplying the Critical Illness Benefit Amount by the applicable rate. The rates vary by issue age, duration, gender, and critical illness risk classification of the insured person (e.g., the risk that the insured person will develop a "Critical Illness," as defined in the rider). The minimum rate shown is the rate in the second policy year for an 18-year old female standard non-smoker underwriting risk. The maximum rate shown is the rate in the sixteenth policy year for a 49-year old male standard smoker underwriting risk. The rate for the representative insured person is the rate in the first policy year for a 55-year old male preferred non-smoker underwriting risk. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.*

&nbsp;&nbsp;&nbsp;&nbsp;*(7) The charge for this rider is determined by multiplying the Specified Premium by the applicable rate. The "Specified Premium" is stated in your policy specifications. The rates vary by the sex, issue age and the disability insurance risk characteristics of the insured person. The minimum rate shown is for a 20 year old male standard non-smoker underwriting risk. The maximum rate shown is for a 54 year old female substandard smoker underwriting risk. The representative insured person rate shown is for a 55 year old male preferred non-smoker underwriting risk. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.*

&nbsp;&nbsp;&nbsp;&nbsp;*(8) The charge for this rider is determined by multiplying NAR by the applicable rate. The rates vary by the long- term care insurance risk characteristics of the insured person and the Monthly Acceleration Percentage selected. The minimum rate shown is for a 20 year old female super preferred non-smoker underwriting risk with a 1%" Monthly Acceleration Percentage," which is a percentage of the death benefit you can accelerate each month. The Monthly Acceleration Percentage is stated in your policy specifications. The maximum rate shown is for a 75 year old male substandard smoker underwriting risk with a 4% Monthly Acceleration Percentage. The representative insured person rate shown is for a 55-year old male preferred non-smoker underwriting risk with a 4% Monthly Acceleration Percentage. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.*

&nbsp;&nbsp;&nbsp;&nbsp;*(9) The charge for this rider is determined by multiplying NAR by the applicable rate. The rates vary by the long- term care insurance risk characteristics of the insured person and the Monthly Acceleration Percentage selected. The minimum rate shown is for a 20-year old male super preferred non-smoker underwriting risk with a 1% Monthly Acceleration Percentage. The maximum rate shown is for a 75-year old female substandard smoker underwriting risk with a 4% Monthly Acceleration Percentage. The representative insured person rate shown is for a 55-year old male preferred non-smoker underwriting risk with a 4% Monthly Acceleration Percentage. These rates may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*(10) The charge for this rider is determined by multiplying NAR by the applicable rate. The rates vary by the chronic illness insurance risk characteristics of the insured person, the Monthly Acceleration Percentage selected, and the policy duration. The "Monthly Acceleration Percentage" is a percentage of the maximum amount you can accelerate each month. The minimum rate shown is the rate in the first policy year for a 20 year old male super preferred non-smoker underwriting risk with a 1% Monthly Acceleration Percentage. The maximum rate shown is the rate in policy year 41 for a policy issued to cover a 80-year old male substandard smoker underwriting risk with a 4% Monthly Acceleration Percentage. The representative insured person rate shown is for a 55-year old male* 

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*preferred non-smoker underwriting risk with a policy in the first policy year with a 4% Monthly Acceleration Percentage. These charges may not be particularly relevant to your current situation, and you can obtain information about the specific charges applicable to you from your John Hancock USA representative.*

The next item shows the minimum and maximum total operating expenses charged by the portfolios that you may pay periodically during the time that you own the policy. A complete list of the portfolios available under the policy, including their annual expenses, may be found at the back of this document.

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| | | |
|:---|:---|:---|
| **Annual Portfolio Expenses** | **Minimum** | **Maximum** |
| Range of expenses that are deducted from portfolio assets, including <br> management fees, distribution and/or service (12b-1) fees, and other <br> expenses<br>| &nbsp;&nbsp; 0.39% | &nbsp;&nbsp; 1.19% |

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**Appendix: Portfolios Available Under The Policy**

The following is a list of portfolios available under the policies. More information about the portfolios is available in the prospectuses for the portfolios, which may be amended from time to time. You can find the prospectuses and other information about the portfolios at dfinview.com/JohnHancock/PUFT/PVUL2026. You can also request this information at no cost by calling 1-800-732-5543 or by sending an email request to life_and_annuities_prospectuses@jhancock.com.

The current expenses and performance information below reflect fees and expenses of the portfolios, but do not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each portfolio's past performance is not necessarily an indication of future performance.

**Certain portfolios may not be available through certain financial intermediaries. See APPENDIX: FINANCIAL INTERMEDIARY VARIATIONS in the Prospectus for more information.** 

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** |
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **1-Year** | **5-Year** | **10-Year** |
| To approximate the aggregate total return <br> of a broad-based U.S. domestic equity <br> market index. <br>| 500 Index Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.25%<sup>\*</sup> <br>| 17.57 | 14.12 | 14.52 |
| To seek income and capital appreciation.  | Active Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.65%<sup>\*</sup> <br>| &nbsp;&nbsp; 7.56 | &nbsp;&nbsp; 0.09 | &nbsp;&nbsp; 2.67 |
| To seek to provide high total return <br> (including income and capital gains) <br> consistent with preservation of capital <br> over the long term. <br>| American Asset Allocation Trust - Series <br> I<br>Capital Research and Management <br> Company (Adviser to the Master Fund, <br> American Fund Insurance Series)<br>| 0.91%<sup>\*</sup> <br>| 15.39 | &nbsp;&nbsp; 8.57 | &nbsp;&nbsp; 9.37 |
| To seek to provide long-term growth of <br> capital. <br>| American Global Growth Trust - Series I<br>Capital Research and Management <br> Company (Adviser to the Master Fund, <br> American Fund Insurance Series)<br>| 1.07%<sup>\*</sup> <br>| 21.17 | &nbsp;&nbsp; 7.81 | 11.74 |
| To seek to provide growth of capital.  | American Growth Trust - Series I<br>Capital Research and Management <br> Company (Adviser to the Master Fund, <br> American Fund Insurance Series)<br>| 0.95%<sup>\*</sup> <br>| 19.81 | 12.95 | 17.53 |
| To seek to provide long-term growth of <br> capital and income. <br>| American Growth-Income Trust - Series I<br>Capital Research and Management <br> Company (Adviser to the Master Fund, <br> American Fund Insurance Series)<br>| 0.91% | 17.65 | 13.48 | 13.50 |
| To provide long-term growth of capital. <br> Current income is a secondary objective. <br>| Blue Chip Growth Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*T. Rowe Price Associates, Inc.*<br>| 0.75%<sup>\*</sup> <br>| 18.57 | 11.76 | 15.62 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** |
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **1-Year** | **5-Year** | **10-Year** |
| To seek long-term capital appreciation.  | Capital Appreciation Value Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*T. Rowe Price Associates, Inc.*<br>| 0.88%<sup>\*</sup> <br>| 11.62 | &nbsp;&nbsp; 9.11 | 10.95 |
| To seek total return consisting of income <br> and capital appreciation. <br>| Core Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Allspring Global Investments, LLC*<br>| 0.62%<sup>\*</sup> <br>| &nbsp;&nbsp; 7.03 | -0.52 | &nbsp;&nbsp; 1.96 |
| To seek long-term capital appreciation.  | Disciplined Value Emerging Markets <br> Equity Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Boston Partners Global Investors,* <br> *Inc.*<br>| 0.91%<sup>\*</sup> <br>| 32.00 | &nbsp;&nbsp; 7.83 | &nbsp;&nbsp; 8.56 |
| To seek long-term growth of capital.  | Disciplined Value International Trust - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Boston Partners Global Investors,* <br> *Inc.*<br>| 0.79% | 41.02 | 12.70 | &nbsp;&nbsp; 8.97 |
| To provide substantial dividend income <br> and also long-term growth of capital. <br>| Equity Income Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*T. Rowe Price Associates, Inc.*<br>| 0.73%<sup>\*</sup> <br>| 14.42 | 11.15 | 10.52 |
| To seek growth of capital.  | Financial Industries Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.88%<sup>\*</sup> <br>| 12.11 | 11.49 | 10.60 |
| To seek long-term growth of capital.  | Fundamental All Cap Core Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.71%<sup>\*</sup> <br>| &nbsp;&nbsp; 4.84 | 11.79 | 13.80 |
| To seek long-term capital appreciation.  | Fundamental Large Cap Value Trust - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.72%<sup>\*</sup> <br>| 16.01 | 14.96 | 12.64 |
| To seek long-term capital appreciation.  | Global Equity Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.88%<sup>\*</sup> <br>| 18.20 | 10.17 | &nbsp;&nbsp; 8.39 |
| To seek long-term capital appreciation.  | Health Sciences Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*T. Rowe Price Associates, Inc.*<br>| 0.99%<sup>\*</sup> <br>| 19.53 | &nbsp;&nbsp; 4.19 | &nbsp;&nbsp; 8.75 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** |
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **1-Year** | **5-Year** | **10-Year** |
| The fund seeks high current income. <br> Capital appreciation is a secondary goal. <br>| High Yield Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.69%<sup>\*</sup> <br>| &nbsp;&nbsp; 7.45 | &nbsp;&nbsp; 4.02 | &nbsp;&nbsp; 6.14 |
| To seek to track the performance of a <br> broad-based equity index of foreign <br> companies primarily in developed <br> countries and, to a lesser extent, in <br> emerging markets. <br>| International Equity Index Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*SSGA Funds Management, Inc.*<br>| 0.34%<sup>\*</sup> <br>| 32.57 | &nbsp;&nbsp; 7.68 | &nbsp;&nbsp; 8.33 |
| To seek long-term capital appreciation.  | International Small Company Trust - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Dimensional Fund Advisors LP*<br>| 1.01%<sup>\*</sup> <br>| 35.01 | &nbsp;&nbsp; 8.04 | &nbsp;&nbsp; 7.85 |
| To provide a high level of current income <br> consistent with the maintenance of <br> principal and liquidity. <br>| Investment Quality Bond Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Wellington Management Company* <br> *LLP*<br>| 0.72%<sup>\*</sup> <br>| &nbsp;&nbsp; 6.94 | -0.44 | &nbsp;&nbsp; 2.41 |
| To seek a balance between a high level of <br> current income and growth of capital, <br> with a greater emphasis on growth of <br> capital. <br>| Lifestyle Balanced Portfolio - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.74%<sup>\*</sup> <br>| 14.06 | &nbsp;&nbsp; 5.49 | &nbsp;&nbsp; 7.07 |
| To seek a high level of current income <br> with some consideration given to growth <br> of capital. <br>| Lifestyle Conservative Portfolio - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.71%<sup>\*</sup> <br>| 10.07 | &nbsp;&nbsp; 2.02 | &nbsp;&nbsp; 4.20 |
| To seek long-term growth of capital. <br> Current income is also a consideration. <br>| Lifestyle Growth Portfolio - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.76%<sup>\*</sup> <br>| 16.84 | &nbsp;&nbsp; 7.86 | &nbsp;&nbsp; 8.96 |
| To seek a balance between a high level of <br> current income and growth of capital, <br> with a greater emphasis on income. <br>| Lifestyle Moderate Portfolio - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.73%<sup>\*</sup> <br>| 12.69 | &nbsp;&nbsp; 4.30 | &nbsp;&nbsp; 6.10 |
| To seek growth of capital and current <br> income while seeking to both manage the <br> volatility of return and limit the <br> magnitude of portfolio losses. <br>| Managed Volatility Balanced Portfolio - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.87% | &nbsp;&nbsp; 9.87 | &nbsp;&nbsp; 4.69 | &nbsp;&nbsp; 5.58 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** |
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current**<br> **Expenses** | **1-Year** | **5-Year** | **10-Year** |
| To seek current income and growth of <br> capital, while seeking to both manage the <br> volatility of return and limit the <br> magnitude of portfolio losses. <br>| Managed Volatility Conservative Portfolio <br> - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.85% | &nbsp;&nbsp; 8.91 | &nbsp;&nbsp; 1.00 | &nbsp;&nbsp; 3.14 |
| To seek long term growth of capital while <br> seeking to both manage the volatility of <br> return and limit the magnitude of <br> portfolio losses. <br>| Managed Volatility Growth Portfolio - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.91% | 10.89 | &nbsp;&nbsp; 6.32 | &nbsp;&nbsp; 6.28 |
| To seek current income and growth of <br> capital while seeking to both manage the <br> volatility of return and limit the <br> magnitude of portfolio losses. <br>| Managed Volatility Moderate Portfolio - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.87% | &nbsp;&nbsp; 9.34 | &nbsp;&nbsp; 3.78 | &nbsp;&nbsp; 5.11 |
| To seek long-term growth of capital.  | Mid Cap Growth Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Wellington Management Company* <br> *LLP*<br>| 0.88%<sup>\*</sup> <br>| &nbsp;&nbsp; 6.17 | &nbsp;&nbsp; 1.36 | 11.75 |
| Seeks to approximate the aggregate total <br> return of a mid cap U.S. domestic equity <br> market index. <br>| Mid Cap Index Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.41%<sup>\*</sup> <br>| &nbsp;&nbsp; 7.03 | &nbsp;&nbsp; 8.68 | 10.29 |
| To seek long-term capital appreciation.  | Mid Value Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*T. Rowe Price Associates, Inc.*<br>| 0.98%<sup>\*</sup> <br>| &nbsp;&nbsp; 5.87 | 11.69 | 10.91 |
| To obtain maximum current income <br> consistent with preservation of principal <br> and liquidity. <br>| Money Market Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>| 0.28%<sup>\*</sup> <br>| &nbsp;&nbsp; 4.07 | &nbsp;&nbsp; 3.03 | &nbsp;&nbsp; 1.97 |
| To seek maximum total return, consistent <br> with preservation of capital and prudent <br> investment management. <br>| Opportunistic Fixed Income Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Wellington Management Company* <br> *LLP*<br>| 0.92%<sup>\*</sup> <br>| &nbsp;&nbsp; 9.60 | &nbsp;&nbsp; 0.62 | &nbsp;&nbsp; 3.25 |
| To seek to achieve a combination of long-<br> term capital appreciation and current <br> income. <br>| Real Estate Securities Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Wellington Management Company* <br> *LLP*<br>| 0.76%<sup>\*</sup> <br>| &nbsp;&nbsp; 0.63 | &nbsp;&nbsp; 5.77 | &nbsp;&nbsp; 5.91 |

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| | | | | |
|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** |
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **1-Year** | **5-Year** | **10-Year** |
| To seek long-term growth of capital. <br> Current income is incidental to the fund's <br> objective. <br>| Science & Technology Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*T. Rowe Price Associates, Inc.*<br>0.99%<sup>\*</sup> <br>| 23.64 | 13.03 | 19.84 |
| To seek income and capital appreciation.  | Select Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.60%<sup>\*</sup> <br>| &nbsp;&nbsp; 7.52 | -0.27 | &nbsp;&nbsp; 2.26 |
| To seek a high level of current income <br> consistent with preservation of capital. <br> Maintaining a stable share price is a <br> secondary goal. <br>| Short Term Government Income Trust - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.65%<sup>\*</sup> <br>| &nbsp;&nbsp; 5.09 | &nbsp;&nbsp; 0.67 | &nbsp;&nbsp; 1.25 |
| To seek long-term capital appreciation.  | Small Cap Core Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.90%<sup>\*</sup> <br>| &nbsp;&nbsp; 0.11 | &nbsp;&nbsp; 6.53 | &nbsp;&nbsp; 6.10 |
| Seeks to approximate the aggregate total <br> return of a small cap U.S. domestic equity <br> market index. <br>| Small Cap Index Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.48%<sup>\*</sup> <br>| 12.42 | &nbsp;&nbsp; 5.72 | &nbsp;&nbsp; 9.24 |
| To seek long-term capital appreciation.  | Small Cap Opportunities Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Dimensional Fund Advisors LP*<br>0.87%<sup>\*</sup> <br>| &nbsp;&nbsp; 9.22 | 10.59 | 10.09 |
| To seek long-term capital appreciation.  | Small Cap Stock Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Wellington Management Company* <br> *LLP*<br>1.08%<sup>\*</sup> <br>| 12.70 | &nbsp;&nbsp; 0.39 | 10.12 |
| To seek long-term growth of capital.  | Small Company Value Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*T. Rowe Price Associates, Inc.*<br>1.16%<sup>\*</sup> <br>| &nbsp;&nbsp; 7.11 | &nbsp;&nbsp; 6.02 | &nbsp;&nbsp; 8.98 |
| To seek a high level of current income.  | Strategic Income Opportunities Trust - <br> Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.74%<sup>\*</sup> <br>| &nbsp;&nbsp; 7.51 | &nbsp;&nbsp; 1.61 | &nbsp;&nbsp; 3.26 |
| To seek to track the performance of the <br> Bloomberg U.S. Aggregate Bond Index <br> (the "Bloomberg Index") (which <br> represents the U.S. investment grade bond <br> market). <br>| Total Bond Market Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.25%<sup>\*</sup> <br>| &nbsp;&nbsp; 6.91 | -0.65 | &nbsp;&nbsp; 1.75 |

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| | | | | |
|:---|:---|:---|:---|:---|
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** |
| **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **1-Year** | **5-Year** | **10-Year** |
| Seeks to approximate the aggregate total <br> return of a broad U.S. domestic equity <br> market index. <br>| Total Stock Market Index Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.51%<sup>\*</sup> <br>| 16.68 | 12.42 | 13.73 |
| To seek long-term growth of capital.  | U.S. Growth Trust - Series NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Wellington Management Company* <br> *LLP*<br>0.62%<sup>\*</sup> <br>| 20.76 | 11.77 | 17.13 |
| The fund seeks a high level of current <br> income consistent with the maintenance <br> of liquidity and the preservation of <br> capital. <br>| Ultra Short Term Bond Trust - Series <br> NAV<br>John Hancock Variable Trust Advisers <br> LLC/*Manulife Investment Management* <br> *(US) LLC*<br>0.62%<sup>\*</sup> <br>| &nbsp;&nbsp; 4.34 | &nbsp;&nbsp; 2.52 | &nbsp;&nbsp; 2.01 |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | | | |
|:---|:---|:---|:---|:---|
| **Investment Objective** | **Current**<br> **Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/25) (%)** |
| **Investment Objective** | **Current**<br> **Expenses** | **1-Year** | **5-Year** | **10-Year** |
| To seek to provide capital appreciation. <br> TOPS<sup>®</sup> Aggressive ETF - Class 2<br>ValMark Advisers, Inc./*Milliman* <br> *Financial Risk Management, LLC*<br>| 0.54% | 18.83 | 9.41 | 10.43 |
| To seek to provide income and capital <br> appreciation. <br>TOPS<sup>®</sup> Balanced ETF - Class 2<br>ValMark Advisers, Inc./*Milliman* <br> *Financial Risk Management, LLC*<br>| 0.54% | 12.85 | 5.52 | &nbsp;&nbsp; 6.39 |
| To seek to preserve capital and provide <br> moderate income and moderate capital <br> appreciation. <br>TOPS<sup>®</sup> Conservative ETF - Class 2<br>ValMark Advisers, Inc./*Milliman* <br> *Financial Risk Management, LLC*<br>| 0.56% | 10.15 | 4.34 | &nbsp;&nbsp; 4.99 |
| To seek to provide capital appreciation. <br> TOPS<sup>®</sup> Moderate ETF - Class 2<br>ValMark Advisers, Inc./*Milliman* <br> *Financial Risk Management, LLC*<br>| 0.53% | 15.13 | 6.92 | &nbsp;&nbsp; 7.99 |
| To seek to provide capital appreciation. <br> TOPS<sup>®</sup> Moderately Aggressive ETF - <br> Class 2<br>ValMark Advisers, Inc./*Milliman* <br> *Financial Risk Management, LLC*<br>| 0.54% | 17.99 | 8.56 | &nbsp;&nbsp; 9.53 |

---

*\* This portfolio's annual expenses reflect temporary fee or expense waivers or reimbursements.*

------

The Prospectus relating to the policy and Statement of Additional Information (SAI), both dated May 26, 2026, and any applicable supplements thereto, are incorporated by reference into this summary prospectus. You may obtain the SAI, free of charge, in the same manner as the Prospectus.

1940 Act File No. 811-4834—1933 Act File No. 333-293456

EDGAR Contract Identifier No. C000274247

------

## Exhibit 99.30

**POWER OF ATTORNEY** 

I, Eileen Cloherty, in my capacity as Chief Accounting Officer and Controller of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission ("SEC") under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Performance Executive Variable Life) | # 333-164155 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (eVariable Life) | # 333-164174 |

---

------

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:

<u>John Hancock Variable Life Account V (Flex V1)</u>   <u># 333-164175</u> <br> <u>John Hancock Variable Life Account V (Flex V2)</u>   <u># 333-164176</u>

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2026) | #333-293456 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL) | # 333-152409 |

---

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020) | # 333-238712 |

---

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective May 19, 2026 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/Eileen Cloherty | Chief Accounting Officer | May 19, 2026 |
| Eileen Cloherty | and Controller |  |

---

------

**POWER OF ATTORNEY** 

I, Nora N. Crouch, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission ("SEC") under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Performance Executive Variable Life) | # 333-164155 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

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Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (eVariable Life) | # 333-164174 |

---

------

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:

John Hancock Variable Life Account V (Flex V1)   <u># 333-164175</u> <br> <u>John Hancock Variable Life Account V (Flex V2)</u>   <u># 333-164176</u>

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2026) | #333-293456 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL) | # 333-152409 |

---

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020) | # 333-238712 |

---

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective May 19, 2026 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/Nora N. Crouch | Director | May 19, 2026 |
| Nora N. Crouch |  |  |

---

------

**POWER OF ATTORNEY** 

I, Aimee DeCamillo, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission ("SEC") under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Performance Executive Variable Life) | # 333-164155 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (eVariable Life) | # 333-164174 |

---

------

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:

John Hancock Variable Life Account V (Flex V1) # 333-164175 <br> John Hancock Variable Life Account V (Flex V2)   <u># 333-164176</u>

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2026) | #333-293456 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL) | # 333-152409 |

---

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020) | # 333-238712 |

---

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective May 19, 2026 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/Aimee DeCamillo | Director | May 19, 2026 |
| Aimee DeCamillo |  |  |

---

------

**POWER OF ATTORNEY** 

I, Dara Gough, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission ("SEC") under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | #333-164150 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Performance Executive Variable Life) | # 333-164155 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

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Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (eVariable Life) | # 333-164174 |

---

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Variable Life Registration Statements filed for the John Hancock Variable Life Account V:

John Hancock Variable Life Account V (Flex V1)   <u># 333-164175</u> <br> John Hancock Variable Life Account V (Flex V2)   <u># 333-164176</u>

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2026) | #333-293456 |

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Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL) | # 333-152409 |

---

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020) | # 333-238712 |

---

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective May 19, 2026 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| <u>/s/Dara Gough</u> | Director | <u>May 19, 2026</u> |
| Dara Gough |  |  |

---

------

**POWER OF ATTORNEY** 

I, Thomas E. Hampton, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission ("SEC") under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Performance Executive Variable Life) | # 333-164155 |

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Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

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Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (eVariable Life) | # 333-164174 |

---

------

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:

John Hancock Variable Life Account V (Flex V1)   <u># 333-164175</u> <br> John Hancock Variable Life Account V (Flex V2)   <u># 333-164176</u>

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | # 333-233647 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | # 333-233648 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | # 333-236446 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | # 333-236447 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | # 333-248502 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | # 333-254210 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | # 333-254211 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | # 333-265436 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | # 333-266659 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | # 333-281927 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | # 333-281928 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | # 333-286256 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | # 333-286257 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2026) | # 333-293456 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL) | # 333-152409 |

---

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020) | # 333-238712 |

---

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective May 19, 2026 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| <u>/s/Thomas E. Hampton</u> | Director | <u>May 19, 2026</u> |
| Thomas E. Hampton |  |  |

---

------

**POWER OF ATTORNEY** 

I, J. Stephanie Nam, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission ("SEC") under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Performance Executive Variable Life) | # 333-164155 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

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Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (eVariable Life) | # 333-164174 |

---

------

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:

John Hancock Variable Life Account V (Flex V1)   <u># 333-164175</u> <br> <u>John Hancock Variable Life Account V (Flex V2)</u>   <u># 333-164176</u>

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | # 333-233647 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | # 333-233648 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | # 333-236446 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | # 333-236447 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | # 333-248502 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | # 333-254210 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | # 333-254211 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | # 333-265436 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | # 333-266659 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | # 333-281927 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | # 333-281928 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | # 333-286256 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | # 333-286257 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2026) | # 333-293456 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL) | # 333-152409 |

---

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020) | # 333-238712 |

---

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective May 19, 2026 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| <u>/s/J. Stephanie Nam</u> | Director | <u>May 19, 2026</u> |
| J. Stephanie Nam |  |  |

---

------

**POWER OF ATTORNEY** 

I, Ken Ross, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission ("SEC") under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Performance Executive Variable Life) | # 333-164155 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

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Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (eVariable Life) | # 333-164174 |

---

------

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:

John Hancock Variable Life Account V (Flex V1)   <u># 333-164175</u> <br> <u>John Hancock Variable Life Account V (Flex V2)</u>   <u># 333-164176</u>

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2026) | #333-293456 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 33-100567 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 33-126668 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL) | # 33-152409 |

---

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 33-85296 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 33-88972 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (SPVL) | # 33-33504 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 33-100664 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 33-127543 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 33-131139 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 33-131134 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 33-132905 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 33-141693 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 33-148992 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 33-151631 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 33-152407 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 33-152408 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 33-153253 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 33-157213 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 33-179571 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 33-193995 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 33-235396 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 33-235397 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020) | # 33-238712 |

---

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective May 19, 2026 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| <u>/s/Ken Ross</u> | Director | <u>May 19, 2026</u> |
| Ken Ross |  |  |

---

------

**POWER OF ATTORNEY** 

I, Alex Silva, in my capacity as Chief Financial Officer of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission ("SEC") under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 33-164150 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 33-164151 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Master Plan Plus) | # 33-164152 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable COLI) | # 33-164153 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 33-164156 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 33-164154 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Performance Executive Variable Life) | # 3-164155 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 33-164157 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V1) | # 33-164158 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V2) | # 33-164159 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Life) | # 33-164160 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection) | # 33-164161 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 33-164162 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 33-164164 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 33-164163 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 33-164165 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 33-164166 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 33-164167 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 33-164168 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable COLI) | # 33-164169 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 33-164171 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Annual Premium Variable Life) | # 33-164172 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 33-164173 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (eVariable Life) | # 33-164174 |

---

------

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:

John Hancock Variable Life Account V (Flex V1)   <u># 333-164175</u> <br> <u>John Hancock Variable Life Account V (Flex V2)</u>   <u># 333-164176</u>

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2026) | #333-293456 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL) | # 333-152409 |

---

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020) | # 333-238712 |

---

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective May 19, 2026 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| <u>/s/Alex Silva</u> | Chief Financial Officer | <u>May 19, 2026</u> |
| Alex Silva |  |  |

---

------

**POWER OF ATTORNEY** 

I, Brooks Tingle, in my capacity as President, Chief Executive Officer, Chair, and Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission ("SEC") under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Performance Executive Variable Life) | # 333-164155 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

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Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (eVariable Life) | # 333-164174 |

---

------

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:

John Hancock Variable Life Account V (Flex V1)   <u># 333-164175</u> <br> <u>John Hancock Variable Life Account V (Flex V2)</u>   <u># 333-164176</u>

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2026) | #333-293456 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL) | # 333-152409 |

---

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020) | # 333-238712 |

---

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective May 19, 2026 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| <u>/s/Brooks Tingle</u> <br> Brooks Tingle | President, Chief Executive Officer,<br>Chair, and Director | <u>May 19, 2026</u> |

---

------

**POWER OF ATTORNEY** 

I, Shamus Weiland, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission ("SEC") under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Performance Executive Variable Life) | # 333-164155 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

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Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (eVariable Life) | # 333-164174 |

---

------

Variable Life Registration Statements filed for the John Hancock Variable Life Account V:

John Hancock Variable Life Account V (Flex V1)   <u># 333-164175</u> <br> John Hancock Variable Life Account V (Flex V2)   <u># 333-164176</u>

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2026) | #333-293456 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL) | # 333-152409 |

---

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020) | # 333-238712 |

---

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective May 19, 2026 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/Shamus Weiland<br> Shamus Weiland | Director | <u>May 19, 2026</u> |

---

------

**POWER OF ATTORNEY** 

I, Adam T. Wise, in my capacity as a Director of John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, do hereby constitute and appoint Tracy Lannigan, Michael A. Ramirez, and Lisa Shepard or any of them individually, my true and lawful attorneys and agents to execute, in the name of, and on behalf of, the undersigned as a member of said Board of Directors, the Registration Statements listed below filed with the Securities and Exchange Commission ("SEC") under the Securities Act of 1933 and the Investment Company Act of 1940, and any and all amendments to the Registration Statements listed below filed with the SEC, and the undersigned hereby ratifies and confirms as his or her own act and deed all that each of said attorneys and agents shall do or cause to have done by virtue hereof.

Variable Life Registration Statements filed for the John Hancock Variable Life Account S:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account S (Performance Executive Variable Life) | # 333-164155 |

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Variable Life Registration Statements filed for the John Hancock Variable Life Account UV:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

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Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
| &nbsp;&nbsp;&nbsp;John Hancock Variable Life Account U (eVariable Life) | # 333-164174 |

---

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Variable Life Registration Statements filed for the John Hancock Variable Life Account V:

John Hancock Variable Life Account V (Flex V1)   <u># 333-164175</u> <br> John Hancock Variable Life Account V (Flex V2)   <u># 333-164176</u>

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | # 333-233647 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | # 333-233648 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | # 333-236446 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | # 333-236447 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | # 333-248502 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | # 333-254210 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | # 333-254211 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | # 333-265436 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | # 333-266659 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | # 333-281927 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | # 333-281928 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | # 333-286256 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | # 333-286257 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2026) | # 333-293456 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL) | # 333-152409 |

---

Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
| &nbsp;&nbsp;&nbsp;John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020) | # 333-238712 |

---

Each of said attorneys and agents shall have, and may exercise, all of the powers hereby conferred.

This Power of Attorney is intended to supersede any and all prior Power of Attorneys in connection with the above-mentioned acts and is effective May 19, 2026 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/Adam T. Wise<br> Adam T. Wise | Director | <u>May 19, 2026</u> |

---