# EDGAR Filing Document

**Accession Number:** 0000801019
**File Stem:** 0001193125-25-161786
**Filing Date:** 2025-7
**Character Count:** 660095
**Document Hash:** 39f4be717943c79b9716497e6d60b543
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-161786.hdr.sgml**: 20250721

**ACCESSION NUMBER**: 0001193125-25-161786

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

**PUBLIC DOCUMENT COUNT**: 26

**FILED AS OF DATE**: 20250721

**DATE AS OF CHANGE**: 20250721

**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:** 251136784

**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:** 333-286257
- **FILM NUMBER:** 251136783

**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   |
|:---|:---|:---|
| C000261380 | Majestic Variable Universal Life 2025 Employer Market |  |

##### [**Table of Contents**](#toc)
As filed with the U.S. Securities and Exchange Commission on July 21, 2025 <br>Registration No. 333-286257

------

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. 239 [X]

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

(Exact Name of Registrant)

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

(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.

------

##### [**Table of Contents**](#toc)
John Hancock Life Insurance Company (U.S.A.) Separate Account A

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

**("John Hancock USA")** 

Flexible Premium Variable Universal Life Insurance Policy with Indexed Accounts

MAJESTIC VARIABLE UNIVERSAL LIFE 2025 EMPLOYER MARKET

Prospectus dated July 24, 2025

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 indexed account ("indexed account") or 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.

The Majestic Variable Universal Life 2025 Employer Market policy is meant primarily for employers seeking to offer insurance policies to certain individuals in their organization and not as a group policy.

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**](#toc)
**TABLE OF CONTENTS** 

---

| | |
|:---|:---|
|  [**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY**](#pro32757_1) | 4.0 |
|  [**OVERVIEW OF THE POLICY**](#pro32757_2) | 7.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Purpose*](#pro32757_3) | 7.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Premiums*](#pro32757_4) | 7.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Policy Features*](#pro32757_5) | 7.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Death benefit**](#pro32757_6) | 7.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Surrender of the policy**](#pro32757_7) | 8.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Withdrawals**](#pro32757_8) | 8.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Policy loans**](#pro32757_9) | 8.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Asset credit**](#pro32757_10) | 8.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Supplementary benefit riders**](#pro32757_11) | 8.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Indexed Accounts**](#pro32757_12) | 8.0 |
|  [**FEE TABLE**](#pro32757_13) | 9.0 |
|  [**GENERAL DESCRIPTION OF THE POLICY**](#pro32757_14) | 12.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Policy Rights*](#pro32757_15) | 12.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Owner and beneficiary**](#pro32757_16) | 12.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Allocation of Premiums*](#pro32757_17) | 12.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Transfers of Policy Value*](#pro32757_18) | 13.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Limitations on transfers to or from a variable investment account**](#pro32757_19) | 13.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Frequent transfers among variable investment accounts**](#pro32757_20) | 13.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Limitations on transfers out of the fixed account**](#pro32757_21) | 14.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Limitations on transfers to and from an indexed account**](#pro32757_22) | 14.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Potential additional limitations**](#pro32757_23) | 14.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Dollar cost averaging and asset allocation balancer programs**](#pro32757_24) | 14.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*General Account*](#pro32757_25) | 15.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**The fixed account**](#pro32757_26) | 15.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**The indexed accounts**](#pro32757_27) | 15.0 |
|  [**PREMIUMS**](#pro32757_28) | 24.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Purchase Procedures*](#pro32757_29) | 24.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Premium Amount*](#pro32757_30) | 24.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Premium Due Dates*](#pro32757_31) | 24.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*No-lapse Guarantee*](#pro32757_32) | 25.0 |
|  [**STANDARD DEATH BENEFITS**](#pro32757_33) | 26.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Standard Death Benefits*](#pro32757_34) | 26.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Effectiveness and Policy Date**](#pro32757_35) | 26.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Temporary insurance coverage**](#pro32757_36) | 26.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Option 1 and Option 2**](#pro32757_37) | 26.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Base Face Amount and Supplemental Face Amount**](#pro32757_38) | 27.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Minimum death benefit**](#pro32757_39) | 27.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Calculation and payment of the death benefit**](#pro32757_40) | 28.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Changes you may make**](#pro32757_41) | 28.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Additional Information About Standard Death Benefits*](#pro32757_42) | 28.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Requesting an increase or decrease in coverage**](#pro32757_43) | 28.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Change of death benefit option**](#pro32757_44) | 28.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Tax consequences of coverage changes**](#pro32757_45) | 29.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Limitations on payment of death benefit**](#pro32757_46) | 29.0 |
|  [**SURRENDERS AND WITHDRAWALS**](#pro32757_47) | 30.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Surrender and Withdrawal*](#pro32757_48) | 30.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Additional Information Regarding Surrender and Withdrawal*](#pro32757_49) | 30.0 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Cancellation Rights*](#pro32757_50) | 30.0 |

---

------

##### [**Table of Contents**](#toc)

---

| | |
|:---|:---|
|  [**LOANS**](#pro32757_51) | 31 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Availability of Loans, Limitations and Interest*](#pro32757_52) | 31 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Standard Loan*](#pro32757_53) | 31 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Index Loan*](#pro32757_54) | 31 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Effect of Loans on Cash Value and Death Benefit*](#pro32757_55) | 32 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Other Effects of Loans*](#pro32757_56) | 32 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Loan Repayments*](#pro32757_57) | 33 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Loan Option Change*](#pro32757_58) | 33 |
|  [**OTHER BENEFITS AVAILABLE UNDER THE POLICY**](#pro32757_59) | 34 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*More About Certain Optional Benefits*](#pro32757_60) | 35 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Healthy Engagement Rider**](#pro32757_61) | 35 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Return of Premium Death Benefit Rider**](#pro32757_62) | 37 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Cash Value Enhancement Rider**](#pro32757_63) | 37 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Overloan Protection Rider**](#pro32757_64) | 37 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Accelerated Benefit Rider**](#pro32757_65) | 38 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Healthy Engagement Core Rider**](#pro32757_66) | 38 |
|  [**TAXES**](#pro32757_67) | 40 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Tax Consequences of Owning a Policy*](#pro32757_68) | 40 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Effect on the Company's Taxes*](#pro32757_69) | 41 |
|  [**PRINCIPAL RISKS OF INVESTING IN THE POLICY**](#pro32757_70) | 42 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Lapse Risk*](#pro32757_71) | 42 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Investment Risk/Risk of Loss*](#pro32757_72) | 42 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Risks Associated with Indexed Accounts*](#pro32757_73) | 42 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Transfer Risk*](#pro32757_74) | 43 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Early Surrender or Withdrawal Risk/Not a Short-Term Investment*](#pro32757_75) | 43 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Tax Risks*](#pro32757_76) | 43 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Cybersecurity Risks*](#pro32757_77) | 43 |
|  [**ADDITIONAL INFORMATION REGARDING THE POLICY**](#pro32757_78) | 44 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Charges*](#pro32757_79) | 44 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Deductions from premium payments**](#pro32757_80) | 44 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Deductions from policy value**](#pro32757_81) | 44 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Charges at the portfolio level**](#pro32757_82) | 45 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Additional Information About How Certain Policy Charges Work*](#pro32757_83) | 45 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Other Charges We Could Impose in the Future*](#pro32757_84) | 45 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Commissions Paid to Dealers*](#pro32757_85) | 45 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Lapse and Reinstatement*](#pro32757_86) | 46 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Lapse**](#pro32757_87) | 46 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [**Reinstatement**](#pro32757_88) | 46 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Variations*](#pro32757_89) | 46 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Policy or Separate Account Changes*](#pro32757_90) | 47 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*When We Pay Policy Proceeds*](#pro32757_91) | 48 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Coverage at and After Age 121*](#pro32757_92) | 48 |
|  [**GENERAL DESCRIPTION OF REGISTRANT, DEPOSITOR AND PORTFOLIOS**](#pro32757_93) | 50 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Depositor*](#pro32757_94) | 50 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Registrant*](#pro32757_95) | 50 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Portfolios*](#pro32757_96) | 50 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [*Voting Portfolio Shares*](#pro32757_97) | 50 |
|  [**LEGAL PROCEEDINGS**](#pro32757_98) | 51 |
|  [**FINANCIAL STATEMENTS**](#pro32757_99) | 51 |
|  [**APPENDIX: PORTFOLIOS AVAILABLE UNDER THE POLICY**](#pro32757_100) | Appendix-1 |

---

------

##### [**Table of Contents**](#toc)
**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** |
| &nbsp;&nbsp;&nbsp;Charges for Early Withdrawals | There are surrender charges assessed upon surrender, withdrawal, or policy lapse in the first twelve policy years from the Policy Date The maximum surrender charge is 5.459% of Base Face Amount. For example, if the Base Face Amount is $100,000, the highest possible surrender charge would be $5,459. | There are surrender charges assessed upon surrender, withdrawal, or policy lapse in the first twelve policy years from the Policy Date The maximum surrender charge is 5.459% of Base Face Amount. For example, if the Base Face Amount is $100,000, the highest possible surrender charge would be $5,459. | There are surrender charges assessed upon surrender, withdrawal, or policy lapse in the first twelve policy years from the Policy Date The maximum surrender charge is 5.459% of Base Face Amount. For example, if the Base Face Amount is $100,000, the highest possible surrender charge would be $5,459. | *<u>FEE TABLE</u>*<br>*<u>Deductions from policy value</u>* |
| &nbsp;&nbsp;&nbsp;Transaction Charges | In addition to surrender charges (if applicable), you may also be charged for 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 investment account after you have made more than 12 such transfers in a year. | In addition to surrender charges (if applicable), you may also be charged for 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 investment account after you have made more than 12 such transfers in a year. | In addition to surrender charges (if applicable), you may also be charged for 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 investment account after you have made more than 12 such transfers in a year. | *<u>FEE TABLE</u>*<br>*<u>Deductions from premium payments</u>*<br>*<u>Deductions from policy value</u>* |
| &nbsp;&nbsp;&nbsp;Ongoing Fees and Expenses (annual charges) | In addition to surrender charges and transaction charges, you will also be subject to certain ongoing fees and expenses, including a cost of insurance charge, administrative charge, Base Face Amount charge, Supplemental Face Amount charge, Advance Contribution Charge, indexed performance charge, policy loan costs, and supplementary benefit rider charges. Some of these fees and expenses are based wholly or in part on the characteristics of the insured person (e.g., age, sex, and underwriting classification).<br>You should view the "policy specifications" page of your policy for rates applicable to your policy. | In addition to surrender charges and transaction charges, you will also be subject to certain ongoing fees and expenses, including a cost of insurance charge, administrative charge, Base Face Amount charge, Supplemental Face Amount charge, Advance Contribution Charge, indexed performance charge, policy loan costs, and supplementary benefit rider charges. Some of these fees and expenses are based wholly or in part on the characteristics of the insured person (e.g., age, sex, and underwriting classification).<br>You should view the "policy specifications" page of your policy for rates applicable to your policy. | In addition to surrender charges and transaction charges, you will also be subject to certain ongoing fees and expenses, including a cost of insurance charge, administrative charge, Base Face Amount charge, Supplemental Face Amount charge, Advance Contribution Charge, indexed performance charge, policy loan costs, and supplementary benefit rider charges. Some of these fees and expenses are based wholly or in part on the characteristics of the insured person (e.g., age, sex, and underwriting classification).<br>You should view the "policy specifications" page of your policy for rates applicable to your policy. | *<u>FEE TABLE</u>*<br>*<u>Deductions from policy value</u>*<br>*<u>Charges at the portfolio level</u>*<br>*<u>APPENDIX</u>* |
| &nbsp;&nbsp;&nbsp;Ongoing Fees and Expenses (annual charges) | <br> You will also bear expenses associated with the portfolios under the policy, as shown in the following table: | <br> You will also bear expenses associated with the portfolios under the policy, as shown in the following table: | <br> You will also bear expenses associated with the portfolios under the policy, as shown in the following table: | *<u>FEE TABLE</u>*<br>*<u>Deductions from policy value</u>*<br>*<u>Charges at the portfolio level</u>*<br>*<u>APPENDIX</u>* |
| &nbsp;&nbsp;&nbsp;Ongoing Fees and Expenses (annual charges) | **Annual Fee** | **Annual Fee** | **Annual Fee** | *<u>FEE TABLE</u>*<br>*<u>Deductions from policy value</u>*<br>*<u>Charges at the portfolio level</u>*<br>*<u>APPENDIX</u>* |
| &nbsp;&nbsp;&nbsp;Ongoing Fees and Expenses (annual charges) | **Variable investment accounts (portfolio fees and expenses)** | **Minimum** | **Maximum** | *<u>FEE TABLE</u>*<br>*<u>Deductions from policy value</u>*<br>*<u>Charges at the portfolio level</u>*<br>*<u>APPENDIX</u>* |
| &nbsp;&nbsp;&nbsp;Ongoing Fees and Expenses (annual charges) | **Variable investment accounts (portfolio fees and expenses)** | 0.39% | 105.75% | *<u>FEE TABLE</u>*<br>*<u>Deductions from policy value</u>*<br>*<u>Charges at the portfolio level</u>*<br>*<u>APPENDIX</u>* |
| &nbsp;&nbsp;&nbsp;**RISKS** | &nbsp;&nbsp;&nbsp;**RISKS** | &nbsp;&nbsp;&nbsp;**RISKS** | &nbsp;&nbsp;&nbsp;**RISKS** | &nbsp;&nbsp;&nbsp;**RISKS** |
| &nbsp;&nbsp;&nbsp;Risk of Loss | You can lose money by investing in this policy. | You can lose money by investing in this policy. | You can lose money by investing in this policy. | *<u>PRINCIPAL RISKS OF INVESTING IN A POLICY</u>* |
| &nbsp;&nbsp;&nbsp;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. The policy is unsuitable as a short-term savings vehicle because of substantial policy-level charges, including the premium charge and the surrender charge, as well as potential adverse tax consequences from such short-term use. | This policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The policy is unsuitable as a short-term savings vehicle because of substantial policy-level charges, including the premium charge and the surrender charge, as well as potential adverse tax consequences from such short-term use. | This policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The policy is unsuitable as a short-term savings vehicle because of substantial policy-level charges, including the premium charge and the surrender charge, as well as potential adverse tax consequences from such short-term use. | *<u>Early Surrender or Withdrawal Risk/Not a Short-Term Investment</u>* |

---

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##### [**Table of Contents**](#toc)

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;Risks Associated with Investment Options | An investment in this policy is subject to the risk of poor performance and can vary depending on the performance of the account allocation options available under the policy (e.g., portfolios). Each such option (including the fixed account and indexed accounts) will have its own unique risks, and you should review these options before making an allocation decision. You can find the prospectuses and other information about the portfolios at <u>dfinview.com/JohnHancock/TAHD/MVUL2025EM</u>. | *<u>Investment Risk/Risk of Loss</u>*<br>*<u>Risks Associated with Indexed Accounts</u>* |
| &nbsp;&nbsp;&nbsp;Insurance Company Risks | Your investment in the policy is subject to risks related to John Hancock USA, including that the obligations, the fixed account and indexed accounts, 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 1-800-521-1234. | *<u>Depositor</u>*<br>*<u>Registrant</u>* |
| &nbsp;&nbsp;&nbsp;Policy Lapse | Unless the No-Lapse Guarantee is in effect, this 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. The "net cash surrender value" is your policy value, less any policy debt, and less any applicable surrender charges. This can happen as a result of insufficient premium payments, poor performance of the variable or general account options you have chosen, withdrawals, or unpaid loans or loan interest. If a default is not cured within a 61-day grace period, your policy will lapse without value, and no death benefit or other benefits will be payable. You can apply to reinstate a policy that has gone into default, subject to conditions including payment of a specified amount of additional premiums. | *<u>Lapse and</u>*<br> *<u>Reinstatement</u>* |
| &nbsp;&nbsp;&nbsp;**RESTRICTIONS** | &nbsp;&nbsp;&nbsp;**RESTRICTIONS** | &nbsp;&nbsp;&nbsp;**RESTRICTIONS** |
| &nbsp;&nbsp;&nbsp;Investments | There are restrictions that may limit the variable investment account options and general account options, the fixed account and indexed accounts that you may choose, as well as limitations on the transfer of policy value among those options. These restrictions may include a monthly limit on the number of transfers you may make. We may also impose additional restrictions to discourage market timing and disruptive trading activity.<br>In particular, your allocation options will be affected if you elect to take a loan or receive benefits under certain supplementary benefit riders.<br>Among other things, the policy also allows us to eliminate the shares of a portfolio or substitute shares of another new or existing portfolio, subject to applicable legal requirements. | *<u>Limitations on transfers to or from a variable investment account</u>*<br>*<u>Limitations on transfers out of the fixed account</u>*<br>*<u>Effect of Loans on Cash Value and Death</u>*<br> *<u>Benefit</u>*<br>*<u>Overloan Protection Rider</u>*<br>*<u>Portfolios and The Indexed Accounts</u>* |

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| &nbsp;&nbsp;&nbsp;Optional Benefits | There are restrictions and limitations relating to optional benefits, as well as conditions under which an optional benefit may be modified or terminated by us. For example, certain supplementary benefit riders may be subject to underwriting, and your election of an option may result in restrictions upon some of the policy benefits, including availability of investment options.<br>Availability of certain optional benefits may vary due to state limitations. See the Material State Variations table for more information. | *<u>Return of Premium Death Benefit Rider</u>*<br>*<u>Overloan Protection Rider</u>*<br>*<u>More About Certain Optional Benefits</u>*<br>*<u>Variations</u>* |

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|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**TAXES** | &nbsp;&nbsp;&nbsp;**TAXES** | &nbsp;&nbsp;&nbsp;**TAXES** |
| &nbsp;&nbsp;&nbsp;Tax Implications | You should consult with a tax professional to determine the tax implications of an investment in and payments received under the policy. There is no additional tax benefit to you if the policy is purchased through a tax-qualified plan. If we pay out any amount of your policy value upon surrender or partial withdrawal, 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, with any portion not treated as a return of your premiums includible in your income.<br> Distributions also are subject to tax penalties under some circumstances. | *<u>Tax Consequences of Owning a Policy</u>* |

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

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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, indexed account, 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, the indexed 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 <u>APPENDIX</u>, 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) or to "segments" of the indexed account. Amounts in a segment of the indexed account are credited with a rate of interest based on, among other things, the return of the Standard & Poor's 500<sup>®</sup> stock price index (excluding dividends) over the segment's term. Amounts in a segment of the Barclays Global MA Classic Indexed Account are credited with a rate of interest based on, among other things, the return of the Barclays Global MA Index (excluding dividends).

The rate of interest we credit for an index segment is equal to the index's return over the segment's term, multiplied by a percentage (the "participation rate") and subject to an upper limit (a "cap rate") and a guaranteed minimum rate (a "floor rate"). We set a segment's participation, cap, and floor rates at the beginning of the segment's term, and the rate we set for any of those factors will never be less favorable to you than a guaranteed rate that your policy specifications shows for that factor.

If the net cash surrender value is insufficient to pay the charges when due and the No-Lapse Guarantee 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, because the performance of the S&P 500 or the Barclays Global MA Index has been poor, or because of a combination of all 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;&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. The "Total Face Amount" is the amount of life insurance coverage equal to the "Base Face Amount" plus any "Supplemental Face Amount,"
as set forth in your policy.

&nbsp;&nbsp;&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.

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**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 Total Face Amount.

**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. You may choose between a Standard Loan or an Index Loan. 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.

**Asset Credit.** We will apply an Asset Credit on the same date any monthly charges are deducted beginning in the Asset Credit Commencement Year. The Asset Credit equals the Asset Credit Rate times the portion of your policy value allocated to variable investment accounts. The Asset Credit Commencement Year varies by the insured's issue age and is shown in your Policy Specifications along with the Asset Credit Rate. The Asset Credit will be allocated automatically to the variable investment accounts, the fixed account and indexed accounts 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;&nbsp;&nbsp;• Healthy Engagement Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Return of Premium Death Benefit Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Cash Value Enhancement Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Overloan Protection Rider

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Healthy Engagement Core 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.

**Indexed Accounts.** In addition to the variable investment options (see APPENDIX), you can elect to allocate net premium or transfer policy value to the following indexed accounts: Base Capped Indexed Account, Base High Par Capped Indexed Account, Base Capped Two Year Indexed Account, High Capped Indexed Account, and the Barclays Global MA Classic Indexed Account. Amounts that you allocate to the indexed accounts are initially held in a portion of an indexed account you elected (the "holding segment") until the amounts are designated to the segment of the indexed account on the segment initiation date, which is generally the 15th of each month. A segment is 12-months in duration for the Base Capped, Base High Par Capped, High Capped, and Barclays Global MA Classic indexed accounts and twenty-four months in duration for the Base Capped Two Year Indexed Account (the "segment term") and is eligible to receive interest ("indexed segment interest credit") on the last day of the segment term, which is known as the "segment maturity date".

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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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|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**TRANSACTION FEES** | &nbsp;&nbsp;&nbsp;**TRANSACTION FEES** | &nbsp;&nbsp;&nbsp;**TRANSACTION FEES** |
| &nbsp;&nbsp;&nbsp;**Charge** | **When Charge is Deducted** | **Amount Deducted** |
| &nbsp;&nbsp;&nbsp; Maximum premium charge | Upon payment of premium | 7% of each premium paid<sup>(1)</sup> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Surrender charge<sup>(2)</sup><br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Minimum charge<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Maximum charge<br> Charge for a representative insured person | Upon surrender or policy lapse | <br> $19.16 per $1,000 of Base Face Amount<br> $54.59 per $1,000 of Base Face Amount<br> $31.78 per $1,000 of Base Face Amount |
| &nbsp;&nbsp;&nbsp; Transfer fee<sup>(3)</sup> | Upon each transfer into or out of a variable investment account beyond an annual limit of twelve | $25 |
| &nbsp;&nbsp;&nbsp; Cash Value Enhancement Rider<sup>(4)</sup> | Upon payment of premium | 4% of premiums paid |
| &nbsp;&nbsp;&nbsp; Overloan Protection Rider<sup>(5)</sup> | At exercise of benefit |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge | At exercise of benefit | 0.04% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge | At exercise of benefit | 8.00% |
| &nbsp;&nbsp;&nbsp; Accelerated Benefit Rider | At exercise of benefit | $150.00 |

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*(1)* *This charge is 7% of each premium paid in years 1-20 and 2% of each premium paid in years 21 and thereafter.* 

*(2)* *A surrender charge is applicable for fifteen policy years from the Policy Date, and varies based upon the sex, issue age and duration, and risk classification of the insured person. The minimum charge shown is for a 18 year old female standard nonsmoker underwriting risk. The maximum charge shown is the amount in month one in the first policy year for a 66 year old female standard nonsmoker underwriting risk. The charge for the representative insured person is for a 45 year old male standard nonsmoker 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)* *The charge for this rider is a percentage of premium which is deducted at the same time as the Premium charge when premiums are paid in years 1 through 10.* 

*(5)* *The charge for this rider is determined as a percentage of unloaned account value. The rates vary by the attained age of the insured person at the time of exercise. The rates also differ according to the tax qualification test elected at issue. The minimum rate shown is for an insured person who has reached attained age 100 and the guideline premium test or the cash value accumulation test has been elected. The maximum rate shown is for an insured person who has reached attained age 75 and the cash value accumulation test has been elected. 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.* 

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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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|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** | &nbsp;&nbsp;&nbsp;**PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** | &nbsp;&nbsp;&nbsp;**PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** |
| &nbsp;&nbsp;&nbsp;**Charge** | **When Charge is Deducted** | **Amount Deducted** |
| &nbsp;&nbsp;&nbsp;**Base Policy Charges:** |  |  |
| &nbsp;&nbsp;&nbsp; Cost of Insurance<sup>(1)</sup>: | Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.02 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $83.33 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a representative insured person |  | 0.22 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp; Administrative charge | Monthly | $20.00 |
| &nbsp;&nbsp;&nbsp; Base Face Amount charge<sup>(2)</sup>: | Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.09 per $1,000 of Base Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $4.78 per $1,000 of Base Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a representative insured person |  | $0.28 per $1,000 of Base Face Amount |
| &nbsp;&nbsp;&nbsp; Supplemental Face Amount charge<sup>(3)</sup>: | Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.01 per $1,000 of Supplemental Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $3.07 per $1,000 of Supplemental Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a representative insured person |  | $0.01 per $1,000 of Supplemental Face Amount |
| &nbsp;&nbsp;&nbsp; Advance Contribution Charge <sup>(4)</sup> | Monthly | $0.075 per $1,000 of excess Cumulative Premiums |
| &nbsp;&nbsp;&nbsp; Indexed Performance charge (5) | Monthly | 1.50% annually (0.125% monthly) applied to the policy value in the High Capped Indexed Account. |
| &nbsp;&nbsp;&nbsp; Maximum Standard Loan interest rate (6) | Accrues daily Payable annually | 3.25% annual rate |
| &nbsp;&nbsp;&nbsp; Maximum Index Loan interest rate (7) | Accrues daily Payable annually | 15% annual rate |
| &nbsp;&nbsp;&nbsp; **Optional Benefit Charges:** |  |  |
| &nbsp;&nbsp;&nbsp; Healthy Engagement Rider | Monthly | $2 |
| &nbsp;&nbsp;&nbsp; Return of Premium Death Benefit Rider<sup>(8)</sup> | Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.02 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $83.33 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for representative insured person |  | $0.22 per $1,000 of NAR |

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*(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 18 year old female standard non-smoker underwriting risk. The maximum rate shown is the rate in the thirteenth policy year for a 80 year old male standard smoker underwriting risk. The representative insured person rate shown is for a 45 year old male standard 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.* 

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*(2)* *This charge is determined by multiplying the Base Face Amount at issue by the applicable rate. The rates vary by the sex, age, risk classification, and death benefit option at issue of the insured person. The charge also varies by policy year. The minimum rate shown is the rate in the first policy year for a 18 year old male standard non-smoker underwriting risk with death benefit Option 1. The maximum rate shown is the rate in the fourth policy year for a 80 year old male standard smoker with death benefit Option 2. The representative insured person rate shown is the rate in the first policy year for a 45 year old male standard non-smoker with death benefit Option 2. This charge continues for a maximum of 27 years. 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 determined by multiplying the greater of the amount of Supplemental Face Amount at issue and the current amount of Supplemental Face Amount by the applicable rate. The rates vary by the sex, age, and risk classification of the insured person. The charge also varies by policy year. The minimum rate shown is the rate in the first policy year for a 45 year old male standard non-smoker. The maximum rate shown is the rate in the fourth policy year for a 80 year old male standard smoker. The representative insured person rate shown is the rate in the first policy year for a 45 year old male standard non-smoker. This charge continues for a maximum of 27 years. 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.* 

*(4)* *This charge is determined by taking the advance, excess (if any) of cumulative premiums paid over the Advance Contribution Limit mulitplied by the number of years that your policy has been in effect, and multiplying the result by the Advance Contribution Charge Rate, through policy year 10. The charge will be zero after year 10. The Advance Contribution Limit varies depending upon the issue age, insurance risk characteristics and gender of the insured person. Although the Advance Contribution Charge Rate is the same for all insured persons, since the Advance Contribution Limit varies, the actual Advance Contribution Charge amount will vary by each insured person's circumstances. The Advance Contribution Charge Rate and the Advance Contribution Limit are identified in your Policy Specifications. 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.* 

*(5)* *This charge is determined by multiplying the portion of policy value held in the segments of the High Capped Indexed Account by the applicable rate. The charge determined does not apply to policy value held in the other indexed accounts, the variable investment accounts, or any fixed account.* 

*(6)* *The maximum effective annual interest rate we can charge for a Standard Loan is 3.25% for policy years 1-10 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.* 

*(7)* *The maximum annual interest rate we can charge for an Index Loan is variable but will never exceed the maximum loan interest rate shown. We set this rate each year at your policy anniversary and it does not change during the Policy Year.* 

*(8)* *The Return of Premium Death Benefit Rider charge is determined by multiplying the NAR by the applicable cost of insurance rate. The rates vary widely depending upon the length of time the policy has been in effect, the insurance risk characteristics of the insured person and (generally) the sex of the insured person. The minimum rate shown is the rate in the first policy year for a 18 year old female standard non- smoker underwriting risk. The maximum rate shown is the rate in the thirteenth policy year for an 80 year old male standard smoker underwriting risk. The representative insured person rate shown is for a 45 year old male standard 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.* 

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 management fees, distribution and/or service (12b-1) fees, and other expenses | 0.39% | 105.75% |

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

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

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

&nbsp;&nbsp;&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;&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, the fixed account and indexed accounts 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, the fixed account and indexed accounts 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, the fixed account and indexed accounts. Your instructions must be in percentages that add up to 100%. By written request and at any time, you may change the variable investment, the fixed account and indexed accounts in which future premium payments will be invested.

There are restrictions that may limit the variable investment account, the fixed account and indexed accounts 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 Overloan Protection Rider. Specifically, all value you have in the variable investment or indexed 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 or indexed accounts.

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**Transfers of Policy Value** 

You may transfer your policy value from one variable investment account, indexed 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, indexed account, or any fixed account in any policy year is $1,000,000.

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.

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

&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.

**Limitations on transfers to and from an indexed account.** You may transfer policy value from any indexed account to a variable investment account, a fixed account or another indexed account only on a segment maturity date. You may set up transfer instructions at the time you elect to invest in any indexed account and may change the instructions at any time subject to the lock in date.

**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, a fixed account, or a holding segment of an indexed account until the amounts are designated to a segment of the indexed 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.

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**General Account** 

The fixed account and the indexed accounts are 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 or any indexed 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 are subject to the Company's financial strength and claims paying ability. For the indexed accounts, John Hancock USA bears the investment risk of guaranteeing the minimum participation rate, the minimum cap rate and segment floor rate. 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 and indexed accounts 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 rate we declare for the fixed account will never be less than 1%. 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.

**The indexed accounts.** 

We have not registered the indexed accounts with the SEC. Disclosures regarding the indexed accounts, however, are subject generally to applicable provisions of federal securities laws relating to the accuracy and completeness of statements made in the prospectus.

John Hancock USA believes that with respect to the indexed accounts, the policy is in substantial compliance with the conditions set forth in Section 989J(a)(1)-(3) of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Since the indexed accounts are part of John Hancock USA's general account and, as a result, their values do not vary according to the performance of a separate account, the indexed accounts qualify for an exemption from registration under the federal securities law. In addition, the products in which the indexed accounts are offered satisfy standard non-forfeiture laws. Accordingly, John Hancock USA has a reasonable basis for concluding that the indexed accounts provide sufficient guarantees of principal and interest through John Hancock USA's general account to qualify under Section 3(a)(8).

You can elect to allocate net premium or transfer policy value to the following indexed accounts: Base Capped Indexed Account, Base High Par Capped Indexed Account, Base Capped Two Year Indexed Account, High Capped Indexed Account, and the Barclays Global MA Classic Indexed Account (the "indexed accounts" and each an "indexed account"). Amounts that you allocate to the indexed accounts are initially held in a portion of an indexed account you elected (the "holding segment") until the amounts are designated to the segment of the indexed account on the segment initiation date, which is generally the 15th of each month. Amounts allocated to a holding segment receive interest in the same manner and at the same rate as amounts in the fixed account (see "The fixed account"). A segment is 12-months in duration for the Base Capped, Base High Par Capped, High Capped, and Barclays Global MA Classic indexed accounts and twenty-four months in duration for the Base Capped Two Year Indexed Account (the "segment term") and is eligible to receive interest ("indexed segment interest credit") on the last day of the segment term, which is known as the "segment maturity date."

You may start a new segment at any time your policy is in force by making a new allocation to an indexed account prior to the "lock in date." The lock in date is the 3rd business day prior to the segment initiation date. Any amounts received after the lock in date will be included in a holding segment for a new segment on the next following segment initiation date. You can have up to 12 segments of the same indexed account at any given time while your policy is in force, except for the Base Capped Two Year Indexed Account in which you can have up to 24 segments. You may cancel your allocation to an indexed account by submitting a written request to us no later than the end of the business day on the lock in date. A cancellation will result in a reallocation of amounts from the holding segment to the fixed account.

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Through the application of different indexed account parameters, each indexed account presents a different risk and return profile and a different range of potential outcomes. Your choice of allocation should take into account your financial objectives, time horizon and personal risk tolerance. You should discuss the indexed account parameters with your registered representative to ensure you understand how they may affect the index segment interest credit under each indexed account

**Index segment interest credit** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each indexed account tracks and measures the performance of the S&P 500 or the Barclays Global MA Index (each
an "index") based on two single points in time, the segment initiation date and the segment maturity date (the "index change"). The value of the index at any point between these dates does not impact the calculation of the index
segment interest credit. This means if the value of the index on the segment initiation date and the segment maturity date is the same (i.e., 2500) but the value of the index is higher on all the other days of the segment (i.e., 3000), the index
change used to calculate the index segment interest credit for that segment will only be based on the segment initiation date and the segment maturity date. The index change will not take into account the days where the value of the index was 3000,
which means that it is possible that the index change used to calculate the index segment interest credit may be limited to the segment floor rate of 0.25%. (While the indexed accounts refer to the S&P 500 or the Barclays Global MA Index,
neither the policy nor the indexed accounts directly participate in any stock or equity investments.) At the end of the segment term, we apply an index segment interest credit based on the index change and the application of the indexed account
parameters identified below. The rate we use to calculate the index segment interest credit will never be less than the guaranteed segment floor rate of 0.25%, which is described below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The indexed account parameters of each indexed account that tracks the S&P 500 will include a guaranteed
segment floor rate, a segment cap rate, and a participation rate. The Barclays Global MA Classic Indexed Account will include a guaranteed segment floor rate and a participation rate. The current participation rate and current segment cap rate for
new segments will be declared at the time a segment is created and guaranteed for the segment term, but they will never be less than the guaranteed minimum participation rate and guaranteed minimum segment cap rate that are in the Policy
Specifications for each indexed account. To understand current segment cap rates and current participation rates available to you at the time of issue, you should request an illustration of the indexed accounts at the time of sale or contact a John
Hancock USA representative. We will notify you in writing if we change current segment cap rates or current participation rates applicable to subsequent segments.

The guaranteed segment floor rate is the minimum rate used in calculating the index segment interest credit that will be declared for a segment term. The guaranteed segment floor rate is 0.25% for each indexed account.

The participation rate is a percentage of a positive index change, that we use to calculate the index segment interest credit for a segment. The guaranteed minimum participation rate is 100% for the Base Capped Indexed Account, the Base Capped Two Year Indexed Account, and the High Capped Indexed Account, and it is 140% for the Base High Par Capped Indexed Account. The guaranteed minimum participation rate for the Barclays Global MA Classic Indexed Account is 20%.

A segment cap rate limits the rate that is used in calculating the index segment interest credit. If the positive index change multiplied by the participation rate results in a rate that is higher than the segment cap rate, we will use the segment cap rate to determine the index segment interest credit. If the positive index change multiplied by the participation rate is less than the segment cap rate but greater than the segment floor rate, we would use the index change multiplied by the participation rate to determine the index segment interest credit. The segment minimum cap rate is 3.00% for the Base Capped Indexed Account and the Base Capped Two Year Indexed Account, 2.50% for the Base High Par Capped Indexed Account, and 3.75% for the High Capped Indexed Account. The Barclays Global MA Classic Indexed Account does not have a contractual segment cap rate. However, based on the volatility control mechanism built into the index rules described below in the "The Barclays Global MA Index" section, the change in the Barclays Global MA Classic Indexed Account in up market conditions will not be as high as it would be had there not been the volatility control.

Below are hypothetical examples that demonstrate how the indexed account parameters for the Base Capped Indexed Account can limit or enhance the index change. These demonstrations are also applicable to the Base Capped Two Year Indexed Account and the High Capped Indexed Account, both of which also have a 100% guaranteed minimum participation rate.

1. Hypothetical example where the index change is less than the guaranteed segment floor rate.

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Assume amounts have been allocated to a segment of the Base Capped Indexed Account, the participation rate is 100%, the segment cap rate is 6% and the guaranteed segment floor rate is 0.25%:

(a) First, we determine the index change. We subtract the value of the S&P 500 on the segment maturity date
from the value of the S&P 500 on the segment initiation date and then divide that value by the value of the S&P 500 on the segment initiation date ([2,660 -2,800]/2800= -5%). The index change in this hypothetical example is -5%.

(b) Next, we multiply the index change determined in (a) by the participation rate (-5% x 100% = -5%). The resulting rate is -5%.

(c) Then, we determine if the resulting rate in (b) (i.e., -5%) needs to be adjusted by the segment cap rate or the
guaranteed segment floor rate. The rate used to calculate the index segment interest credit cannot exceed the segment cap rate but it also cannot be less than the guaranteed segment floor rate. In this case, since the resulting rate in (b) (-5%) is less than the guaranteed segment floor rate (i.e., 0.25%), we will use the segment floor rate to calculate the index segment interest credit.

This example demonstrates that the rate used to calculate the index segment interest credit will not be less than the guaranteed segment floor rate of 0.25%. Using a rate that is equal to the guaranteed segment floor rate to calculate interest over a period of time may not be sufficient to pay the policy's monthly deductions and you may need to pay additional premium to keep your policy in force.

2. Hypothetical example where the index change is less than the segment cap rate but greater than the guaranteed
segment floor rate.

Assume amounts have been allocated to a segment of the Base Capped Indexed Account, the participation rate is 100%, the segment cap rate is 6% and the guaranteed segment floor Rate is 0.25%, we take the following steps:

(a) First, we determine the index change. We subtract the value of the S&P 500 on the segment maturity date
from the value of the S&P 500 on the segment initiation date and then divide that value by the value of the S&P 500 on the segment initiation date ([2,884 – 2,800]/2,800 = 3%). The index change in this hypothetical example is 3%.

(b) Next, we multiply the index change determined in (a) by the participation rate (3% x 100% = 3%). The
resulting rate is 3%.

(c) Then, we determine if the resulting rate in (b) (i.e., 3%) needs to be adjusted by the segment cap rate or the
guaranteed segment floor rate. The rate used to calculate the index segment interest credit cannot exceed the segment cap rate but it also cannot be less than the guaranteed segment floor rate. In this case, since the resulting rate in (b) (i.e.,
3%) is greater than the guaranteed segment floor rate (i.e., 0.25%) and less than the segment cap rate (i.e., 6%), we will use the entire 3% to calculate the index segment interest credit.

This example demonstrates that when the index return is between the segment floor rate and segment cap rate, the entire index return will be used in calculating the index segment interest credit.

3. Hypothetical example where the index change exceeds the segment cap rate.

Assume amounts have been allocated to a segment of the Base Capped Indexed Account, the participation rate is 100%, the segment cap rate is 6% and the guaranteed segment floor Rate is 0.25%, we take the following steps:

(a) First, we determine the index change. We subtract the value of the S&P 500 on the segment maturity date
from the value of the S&P 500 on the segment initiation date and then divide that value by the value of the S&P 500 on the segment initiation date ([3,024-2,800] / 2,800 = 8%). The index change in this
hypothetical example is 8%.

(b) Next, we multiply the index change determined in (a) by the participation rate (8% x 100% = 8%). The
resulting rate is 8%.

(c) Then we determine if the resulting rate in (b) (i.e., 8%) needs to be adjusted by the segment cap rate or the
guaranteed segment floor rate. The rate used to calculate the index segment interest credit cannot exceed the segment cap rate but it also cannot be less than the guaranteed segment floor rate. In this case, since the resulting rate calculated in
(b) (i.e., 8%) is greater than the segment cap rate (i.e., 6%), we will use the segment cap rate to calculate the index segment interest credit.

This example demonstrates how the 6% segment cap rate can have the effect of limiting the extent to which the index change (i.e.,8%) can be used in calculating the index segment interest credit (i.e., we applied the segment cap rate instead of the index change in this example).

Below are hypothetical examples that demonstrate how the indexed account parameters for the Base High Par Capped Indexed Account can limit or enhance the index change.

1. Hypothetical example where the index change is less than the guaranteed segment floor rate.

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Assume amounts have been allocated to a segment of the Base High Par Capped Indexed Account, the participation rate is 160%, the segment cap rate is 5% and the guaranteed segment floor rate is 0.25%:

(a) First, we determine the index change. We subtract the value of the S&P 500 on the segment maturity date
from the value of the S&P 500 on the segment initiation date and then divide that value by the value of the S&P 500 on the segment initiation date ([2,660 -2,800]/2800= -5%). The index change in this hypothetical example is -5%.

(b) Next, we multiply the index change determined in (a) by the participation rate (-5% x 160% = -8%). The resulting rate is -8%.

(c) Then, we determine if the resulting rate in (b) (i.e., -8%) needs to be adjusted by the segment cap rate or the
guaranteed segment floor rate. The rate used to calculate the index segment interest credit cannot exceed the segment cap rate but it also cannot be less than the guaranteed segment floor rate. In this case, since the resulting rate in (b) (i.e.,
-8%) is less than the guaranteed segment floor rate (i.e., 0.25%), we will use the segment floor rate to calculate the index segment interest credit.

This example demonstrates that the rate used to calculate the index segment interest credit will not be less than the guaranteed segment floor rate of 0.25%. Using a rate that is equal to the guaranteed segment floor rate to calculate interest over a period of time may not be sufficient to pay the policy's monthly deductions and you may need to pay additional premium to keep your policy in force.

2. Hypothetical example where the index change is less than the segment cap rate but greater than the guaranteed
segment floor rate.

Assume amounts have been allocated to a segment of the Base High Par Capped Indexed Account, the participation rate is 160%, the segment cap rate is 5% and the guaranteed segment floor Rate is 0.25%, we take the following steps:

(a) First, we determine the index change. We subtract the value of the S&P 500 on the segment maturity date
from the value of the S&P 500 on the segment initiation date and then divide that value by the value of the S&P 500 on the segment initiation date ([2,884 – 2,800]/2,800 = 3%). The index change in this hypothetical example is 3%.

(b) Next, we multiply the index change determined in (a) by the participation rate (3% x 160% = 4.8%). The
resulting rate is 4.8%.

(c) Then, we determine if the resulting rate in (b) (i.e., 4.8%) needs to be adjusted by the segment cap rate or
the guaranteed segment floor rate. The rate used to calculate the index segment interest credit cannot exceed the segment cap rate but it also cannot be less than the guaranteed segment floor rate. In this case, since the resulting rate in (b)
(i.e., 4.8%) is greater than the guaranteed segment floor rate (i.e., 0.25%) and less than the segment cap rate (i.e., 5%), we will be able to use the entire 4.8% to calculate the index segment interest credit.

This example demonstrates that when the index return is between the segment floor rate and segment cap rate, the entire index return will be used in calculating the index segment interest credit. The higher participation rate of 160% allows the resulting rate used in calculating the index segment interest credit to be greater than the index change. However, if the hypothetical index return was 3.5% or greater, the resulting rate in (b) used to calculate index segment interest credit would be limited by the segment cap rate (i.e., 5%), as is described in the next example.

3. Hypothetical example where the index change exceeds the segment cap rate.

Assume amounts have been allocated to a segment of the Base High Par Capped Indexed Account, the participation rate is 160%, the segment cap rate is 5% and the guaranteed segment floor Rate is 0.25%, we take the following steps:

(a) First, we determine the index change. We subtract the value of the S&P 500 on the segment maturity date
from the value of the S&P 500 on the segment initiation date and then divide that value by the value of the S&P 500 on the segment initiation date ([3,024-2,800] / 2,800 = 8%). The index change in this
hypothetical example is 8%.

(b) Next, we multiply the index change determined in (a) by the participation rate (8% x 160% = 12.8%). The
resulting rate is 12.8%.

(c) Then we determine if the resulting rate in (b) (i.e., 12.8%) needs to be adjusted by the segment cap rate or
the guaranteed segment floor rate. The rate used to calculate the index segment interest credit cannot exceed the segment cap rate but it also cannot be less than the guaranteed segment floor rate. In this case, since the resulting rate calculated
in (b) (i.e., 12.8%) is greater than the segment cap rate (i.e., 5%), we will use the segment cap rate to calculate the index segment interest credit.

This example demonstrates how the 160% participation rate can increase the effect of a positive index change compared to an indexed account with a 100% participation rate, but the 5% segment cap rate will limit the extent to which the resulting rate (i.e.,12.8%) can be used in calculating that credit (i.e., we applied the segment cap rate instead of the resulting rate in this example).

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The following chart shows how the indexed accounts that track the performance of the S&P 500 offered in this prospectus would perform in different **hypothetical** scenarios using a hypothetical index return and the assumed current indexed account parameters shown below:

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|:---|:---|:---|:---|:---|:---|
| **If Hypothetical**<br> **Index Return is:** | **Index Return**<br> **After the**<br> **Application of the**<br> **Base Capped**<br> **Indexed Account<br>Parameters** | **Index Return**<br> **After the**<br> **Application of the**<br> **Base High**<br> **Par Capped**<br> **Indexed Account<br>Parameters** | **Index Return**<br> **After the**<br> **Application of the<br>High Capped**<br> **Indexed Account<br>Parameters** | **Index Return<br>After the**<br> **Application of the<br>Base Capped**<br> **Two Year**<br> **Indexed Account<br>Parameters** | **Account<br>Performance** |
|  | 100%<br> Participation Rate 6% Segment Cap<br> Rate 0.25%<br> Segment Floor<br> Rate | 160%<br> Participation Rate 5% Segment Cap<br> Rate 0.25%<br> Segment Floor Rate | 100%<br> Participation Rate 8% Segment Cap<br> Rate 0.25% Segment Floor Rate | 100%<br> Participation Rate 12% Segment Cap<br> Rate 0.25% Segment Floor Rate |  |
| Year 1: -5%<br> Year 2: -5% | Year 1: 0.25%<br> Year 2: 0.25% | Year 1: 0.25%<br> Year 2: 0.25% | Year 1: 0.25%\*<br> Year 2: 0.25%\* | Year 1: n/a<br> Year 2: 0.25% | Base Capped & Base High Par Capped perform best (considering IPC on High Capped) |
| Year 1: 0%<br> Year 2: 0% | Year 1: 0.25%<br> Year 2: 0.25% | Year 1: 0.25%<br> Year 2: 0.25% | Year 1: 0.25%\*<br> Year 2: 0.25%\* | Year 1: n/a<br> Year 2: 0.25% | Base Capped & Base High Par Capped perform best (considering IPC on High Capped) |
| Year 1: 3%<br> Year 2: 3% | Year 1: 3%<br> Year 2: 3% | Year 1: 4.8%<br> Year 2: 4.8% | Year 1: 3%\*<br> Year 2: 3%\* | Year 1: n/a%<br> Year 2: 6.1% | Base High Par Capped performs best |
| Year 1: 6%<br> Year 2: 6% | Year 1: 6%<br> Year 2: 6% | Year 1: 5%<br> Year 2: 5% | Year 1: 6%\*<br> Year 2: 6%\* | Year 1: n/a<br> Year 2: 12% | Base Capped performs best (considering IPC on High Capped) |
| Year 1: 8%<br> Year 2: 8% | Year 1: 6%<br> Year 2: 6% | Year 1: 5%<br> Year 2: 5% | Year 1: 8%\*<br> Year 2: 8%\* | Year 1: n/a<br> Year 2: 12% | High Capped performs best, even when considering IPC |
| Year 1: 12%<br> Year 2: 0% | Year 1: 6%<br> Year 2: 0.25% | Year 1: 5%<br> Year 2: 0.25% | Year 1: 8%\*<br> Year 2: 0.25%\* | Year 1: n/a<br> Year 2: 12% | Base Capped Two Year performs best |

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*\** *High Capped Indexed Account returns are dampened by the Indexed Performance Charge (IPC), which costs 1.5% annually on the policy value held in that account.* 

As the hypothetical scenarios in the table above illustrate, and as further described below, the optimal index return pattern varies between the indexed accounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In a scenario where the index change is less than the segment cap rates but greater than the segment floor rate
for the indexed accounts, the Base High Par Capped Indexed Account may earn more index segment interest credit when compared to the other indexed accounts, which have a lower participation rate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In a scenario where the index change for one year segment accounts remains consistent from year to year at a
level close to the segment cap rates, the Base Capped Indexed Account may perform best because it can realize most or all of each year's increase, while not incurring the Indexed Performance Charge that would apply to the High Capped Indexed
Account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In a scenario where the index change for one year segment accounts remains consistent from year to year at a
level higher than the segment cap rates, the High Capped Indexed Account may perform best because of the higher segment cap rate, which can offset the Indexed Performance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In a scenario where the index change varies significantly from year to year, the Base Capped Two Year Indexed
Account may perform best because of its longer segment duration (and therefore highest cap), which allows it to recognize larger increases over that two year segment duration regardless of the timing.

**<u>The Barclays Global MA Index</u>**

The Barclays Global MA Index (the "Index") is sponsored by Barclays Bank PLC ("Barclays") but Barclays is not an issuer or producer of John Hancock USA policies and Barclays has no responsibilities, obligations, or duties to purchasers of the policies. Barclays' only relationship with John Hancock USA in respect to the Index is the licensing of the Index, which is administered, compiled, and published by Barclays in its role as the index sponsor without regard to John Hancock USA, its policies, or purchasers of the policies.

The Barclays Global MA Index is a proprietary, rules-based index that has twelve components that provide diversification across asset classes and geographic regions in recognition that the components react differently to the same market or economic environment. The components and the maximum and minimum weights to each component are the following Barclays or its affiliates' indexes or commodities futures:

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| | |
|:---|:---|
|  **Barclays or its affiliates' indices or commodities futures** | **Barclays or its affiliates' indices or commodities futures** |
| **Component of the Barclays Global MA Index** | **Min/Max** |
| Barclays US Tracker ER Index (BXIIUSER) | 7.5% / 25% |
| Barclays US Tech Tracker ER Index (BXIITTER) | 5% / 20% |
| Barclays Europe Tracker USD ER Index (BXIIETUE) | 5% / 20% |
| Barclays GERMANY Tracker USD ER Index (BXIIDEUE) | 2.5% / 15% |
| Barclays Japan Tracker USD Index (BXIIJTUE) | 2.5% / 15% |
| Barclays MSCI Emerging Market Tracker ER Index (BXIIMEER) | 2.5% / 10% |
| Gold Futures (BCC2GC0P) | 0% / 20% |
| Barclays US 5yr Treasury Futures Index (BXIIUS05) | 0% / 50% |
| Barclays US 10yr Note Futures Index (BXIIUS10) | 0% / 50% |
| Barclays Euro-Bobl Alt Roll Futures in USD (BXIIE05D) | 0% / 50% |
| Barclays Euro-Bund Alt Roll Futures Index in USD (BXIIE10D) | 0% / 50% |
| Barclays JGB Alt Roll 10yr Futures ER Index in USD (BXIIJTED) | 0% / 50% |

---

The Index's rules create a component portfolio that allocates among the components based on the Modern Portfolio Theory, on performance momentum, and the volatility of each component, subject to the maximum and minimum weights for each component and a portfolio target volatility of 7%. Allocations based on Modern Portfolio Theory seek to find the allocation among the components that provide the maximum return at a given risk level. Allocations based on performance momentum seek to increase allocations to components with stronger recent performance, and reduce allocation to components with weaker recent performance. Based on these allocation rules, the sum of each component allocation may be as high as 150%. The component portfolio may change daily.

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The higher the allocation to fixed income components or the lower exposure to the component portfolio, the lower the potential increase in the Index value. In addition, if at a time the Index has a higher allocation to fixed income components or a lower exposure to the component portfolio, equities experience a rapid upswing, the Index will not increase in value in the same manner as the increase in equities. Moreover, in a rapidly rising interest rate environment, the higher the allocation to fixed income components, the lower the potential increase in the Index value.

Once the component portfolio is constructed, the Index will adjust the exposure to the component portfolio to maintain "volatility control." If the recent volatility of the component portfolio is greater than 7%, the component portfolio exposure will be less than 100%, and may be as low as 25%. In cases where the component portfolio exposure is less than 100%, the portion that is not allocated to the component portfolio will not earn any return or carry any investment risk. If it is less than 7%, the component portfolio exposure can be greater than 100%, and may be as high as 150% In this case, the component portfolio exposure reflects a position in the underlying components increased beyond 100% through the use of leverage. The impact of the maximum sum of the components allocation of 150% together with the maximum volatility control exposure may result in a maximum total component portfolio exposure of 225%. The exposure may change daily. Therefore, a change in the Barclays Global MA Index may not be as high in an up-market, or as low in a down-market, had the volatility control been absent. The Index's rationale may not be successful and the ability to construct the component portfolio may not be possible or subject to being recreated on another computer.

There are charges applied to the Index that are intended to mimic costs associated with maintaining an Index-aligned replicating portfolio: management costs ranging from 0.20% to 0.30% per annum and rebalancing costs ranging from 0.02% to 0.05%, which is deducted on the relevant trading day. Both charges vary depending on the component. While these charges are not allocated to the policy owners, the charges reduce the daily Index value and are embedded in the Index performance.

Below are hypothetical examples that demonstrate how the indexed account parameters for the Barclays Global MA Classic Indexed Account can limit or enhance the index change.

1. Hypothetical example where the index change is less than the guaranteed segment floor rate.

Assume amounts have been allocated to a segment of the Barclays Global MA Classic Indexed Account, the participation rate is 105%, and the guaranteed segment floor rate is 0.25%:

(a) First we determine the index change. We subtract the value of the Barclays Global MA Index on the segment
maturity date from the value of the Barclays Global MA Index on the segment initiation date and then divide that value by the value of the Barclays Global MA Index on the segment initiation date ([1,045—1,100] / 1,100 = -5%). The index change
in this hypothetical example is -5%.

(b) Next, we multiply the index change determined in (a) by the participation rate (-5% x 105% = -5.25%). The resulting rate is -5.25%.

(c) Then, we determine if the resulting rate in (b) (i.e., -5.25%) needs to be adjusted by the guaranteed segment
floor rate. The rate used to calculate the index segment interest credit cannot be less than the guaranteed segment floor rate. In this case, since the resulting rate in (b) (-5.25%) is less than the
guaranteed segment floor rate (i.e., 0.25%), we will use the segment floor rate to calculate the index segment interest credit.

This example demonstrates that the rate used to calculate the index segment interest credit will not be less than the guaranteed segment floor rate of 0.25%. Using a rate that is equal to the guaranteed segment floor rate to calculate interest over a period of time may not be sufficient to pay the policy's monthly deductions and you may need to pay additional premium to keep your policy in force.

2. Hypothetical example where the index change is more than the guaranteed segment floor rate.

Assume amounts have been allocated to a segment of the Barclays Global MA Classic Indexed Account, the participation rate is 105%, and the guaranteed segment floor rate is 0.25%:

(a) First we determine the index change. We subtract the value of the Barclays Global MA Index on the segment
maturity date from the value of the Barclays Global MA Index on the segment initiation date and then divide that value by the value of the Barclays Global MA Index on the segment initiation date ([1,188—1,100] / 1,100 = 8%). The index change in
this hypothetical example is 8%.

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(b) Next, we multiply the index change determined in (a) by the participation rate (8% x 105% = 8.4%). The
resulting rate is 8.4%.

(c) Then, we determine if the resulting rate in (b) (i.e., 8.4%) needs to be adjusted by the guaranteed segment
floor rate. The rate used to calculate the index segment interest credit cannot be less than the guaranteed segment floor rate. In this case, since the resulting rate in (b) (8.4%) is greater than the guaranteed segment floor rate (i.e., 0.25%), we
will use the entire 8.4% to calculate the index segment interest credit.

This example demonstrates that when the index return is greater than the guaranteed segment floor rate of 0.25%, the entire index return will be used in calculating the index segment interest credit because this volatility controlled indexed account does not have a contractual segment cap rate. However, the participation rate on this account may be greater than or lower than 100%, subject to the minimum participation rate of 20%; in this example, it is greater than 100% which allows the rate used in calculating the index segment interest credit to be greater than the index change, but if it were lower than 100% it would limit the effect of the index change on the index segment interest credit.

**Withdrawals or transfers** 

Withdrawals from an indexed account prior to the segment maturity date will reduce the amount of any index segment interest credit for that segment by proportionately reducing the balance used in calculating the index segment interest credit on the segment maturity date by the amount of the withdrawal multiplied by the remaining months in the segment. The following hypothetical example compares how index segment interest credit is calculated on the segment maturity date when a withdrawal is taken during a segment and when a withdrawal is not taken during a segment. Note that this hypothetical example uses an indexed account with a one year segment duration.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Initial<br>segment<br>balance** | **Withdrawal<br>taken in<br>policy**<br> **month 3** | **Balance used**<br> **to calculate**<br> **index segment**<br> **interest credit** | **Hypothetical<br>Rate used**<br>**to calculate**<br>**index segment<br>interest credit** | **Index segment<br>interest credit**<br> **on segment<br>maturity date** |
|  No withdrawal | $100000 | n/a | $100000 | 3.0% | $100,000 x 3.0% = $3,000 |
|  $10,000 withdrawal | $100000 | $10000 | $100,000 - $10,000 x (9/12) = $92,500 | 3.0% | $92,500 x 3.0% = $2,775 |

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Transfers from an indexed account to another indexed account, a variable investment account or a fixed account can only be made on the segment maturity date (see "Limitations on transfers to and from an indexed account").

**If a policy terminates due to death of the insured, surrender of the net cash surrender value or insufficient premium before a segment maturity date, no index segment interest credit will be applied to that segment.** Amounts allocated to an indexed account are subject to a lock out period following a withdrawal from a segment. When you take a withdrawal (that is not a systematic withdrawal) from a segment of an indexed account prior to the segment maturity date, a "lock-out period" will be imposed upon the creation of new segments. The duration of the lock-out period is twelve consecutive months. During the lock- out period, any portion of policy value in a holding segment, as well as any additional amounts allocated or transferred to an indexed account, will not be designated to a new segment until the first segment initiation date following the lock-out period.

**Segment Proceeds** 

The segment proceeds equal the sum of the segment balance on a segment maturity date plus the indexed segment interest credit we apply to that segment. On the segment maturity date, segment proceeds are allocated according to the investment allocation instructions we have on file for you. Segment proceeds can be allocated to the fixed account, the variable investment accounts or the indexed accounts (see "Allocation of future premium payments and indexed account segment proceeds"). If no allocation instructions are given, segment proceeds are allocated to a new segment in the same indexed account.

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**Availability of the indexed accounts** 

We may add additional indexed accounts, cease to offer any indexed account or close the indexed accounts to new allocations and transfers. We also reserve the right to substitute the S&P 500 or the Barclays Global MA Index for another external index; any substitution will apply to new segments only. If we substitute the S&P 500 or the Barclays Global MA Index for another external index, the indexed accounts will continue to offer the guaranteed indexed account parameters shown in the Policy Specifications. Any open segments in the indexed accounts will remain until they mature after which the segment proceeds will automatically be transferred to the fixed account, unless you request in writing that the segment proceeds be transferred to an available indexed account. In the event that we decide to substitute the S&P 500 or the Barclays Global MA Index or we cease to offer an indexed account, we will notify you and any assignee of record in advance of the change at your last known addresses.

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**PREMIUMS** 

**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."

Policies issued in Montana or in connection with certain employee plans will not directly reflect the sex of the insured person in either the premium rates or the charges or values under the policy.

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 and election of any Supplemental Face Amount; 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 No-Lapse Guarantee 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

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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 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.

**No-lapse Guarantee** 

In those states where it is permitted, as long as the cumulative premium test is satisfied during the No-Lapse Guarantee Period, and the policy value is greater than the policy debt, we will guarantee that the policy will not go into default, even if adverse investment experience or other factors should cause the policy's surrender value to fall to zero or below during such period.

The No-Lapse Guarantee Premium is not a charge assessed against the policy value; it is an amount used in determining whether the cumulative premium test has been satisfied. The No-Lapse Guarantee Premium is set at issue on the basis of the Base Face Amount and any Supplemental Face Amount and reflects the age, sex and risk classification of the proposed insured as well as any additional rating and supplementary benefits, if applicable. It is subject to change if (i) the Total Face Amount of the policy is changed, (ii) there is a decrease in the Face Amount of insurance, or (iii) there is any change in the supplementary benefits added to the policy or in the risk classification of the insured person.

The No-Lapse Guarantee Period is set at issue and is stated in the policy. Certain state limitations may apply, but generally the No-Lapse Guarantee Period for the Base Face Amount is (i) the lesser of fifteen years or to age 70 or (ii) seven years if the insured person's issue age is 65 or older. However, the No-Lapse Guarantee Period for the Base Face Amount and any Supplemental Face Amount is limited to the first five policy years under any policy that has scheduled or unscheduled increases to Supplemental Face Amount after issue or a Return of Premium Death Benefit Rider.

While the No-Lapse Guarantee is in effect, we will determine at the beginning of the policy month that your policy would otherwise be in default whether the cumulative premium test has been met. The cumulative premium test is satisfied if, as of the beginning of the policy month that your policy would otherwise be in default, the sum of all premiums paid to date less any withdrawals taken on or before the date of the test and less any policy debt is equal to or exceeds the sum of the monthly No-Lapse Guarantee Premium due from the Policy Date to the date of the test. If the test has not been satisfied, 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 terminating. This required payment, as described in the notification, will be equal to the lesser of:

(a) the greater of the outstanding premium requirement to satisfy the cumulative premium test at the date of
default and the amount necessary to bring the policy value (net of any loans) to zero, plus the monthly No-Lapse Guarantee Premium due for the next three policy months, or

(b) the amount necessary to bring the net cash surrender value to zero plus an amount equal to three times the
monthly deductions due on the date of default, plus the applicable premium charge.

If the required payment is not received by the end of the grace period, the No-Lapse Guarantee and the policy will terminate.

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

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

&nbsp;&nbsp;&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;&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;&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.

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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**Base Face Amount and Supplemental Face Amount.** Total Face Amount is composed of the Base Face Amount and any Supplemental Face Amount you elect. The Supplemental Face Amount you can have generally cannot exceed 400% of the Base Face Amount at the Issue Date. Thereafter, scheduled and unscheduled increases to the Supplemental Face Amount are not permitted if the resulting Supplemental Face Amount would exceed 400% of the Total Face Amount at the Issue Date.

You should consider a number of factors in determining whether to elect coverage in the form of Base Face Amount or in the form of Supplemental Face Amount. For the same amount of premiums paid, the amount of the Face Amount charge deducted from policy value and the amount of compensation paid to the selling insurance agent will generally be less if coverage is included as Supplemental Face Amount, rather than as Base Face Amount. On the other hand, the amount of any Supplemental Face Amount may be subject to a shorter No-Lapse Guarantee Period. If your priority is to reduce your Face Amount charges, you may wish to maximize the proportion of the Supplemental Face Amount. However, if your priority is to take advantage of the No-Lapse Guarantee feature after the fifth policy year or to maximize the death benefit when the insured person reaches age 121, then you may wish to maximize the proportion of the Base Face Amount. However, the No-Lapse Guarantee for the Base Face Amount under any policy that has elected an increasing Supplemental Face Amount or the Return of Premium Death Benefit Rider is limited to the first five policy years.

**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. There are two tests that can be applied under Federal tax law — the "guideline premium test" and the "cash value accumulation test." You must elect at issue which test you wish to have applied. Once elected, the test cannot be changed without our approval.

Under the guideline premium 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. A table showing the factor for each age will appear in the policy, and the following table shows those factors for selected ages:

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| | |
|:---|:---|
| **Attained Age** | **Applicable** |
|  40 and under | 250% |
| 45 | 215% |
| 50 | 185% |
| 55 | 150% |
| 60 | 130% |
| 65 | 120% |
| 70 | 115% |
| 75 | 105% |
| 90 | 105% |
|  95 and above | 100% |

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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 those factors for selected ages:

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| | | |
|:---|:---|:---|
| **Attained Age** | **Factor -** | **Factor - Male** |
| 40 | 231.31% | 220.07% |
| 45 | 211.07% | 201.86% |
| 50 | 192.74% | 185.13% |
| 55 | 176.34% | 169.82% |
| 60 | 161.76% | 156.15% |
| 65 | 148.99% | 144.22% |
| 70 | 137.99% | 133.95% |
| 75 | 128.60% | 125.23% |
| 90 | 109.49% | 108.19% |
| 95 | 105.72% | 105.27% |
|  100 and above | 100.00% | 100.00% |

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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.

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The cash value accumulation test may be preferable if you want to fund the policy so that the minimum death benefit will increase earlier than would be required under the guideline premium test, or if you want to fund the policy at the "7 pay" limit for the full seven years.

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 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.** After the first policy year, you may make a written request for an unscheduled increase in Supplemental Face Amount. We must receive your written request within two months of your next policy anniversary. Generally, each such increase must be at least $50,000 and increases in any one policy year cannot exceed 25% of the Total Face Amount at issue. You will have to provide us with evidence that the insured person qualifies for the same risk classification that applied to them at issue. Generally, any increase will be effective on the next policy anniversary following the date we approve the request. Any unscheduled increase in Supplemental Face Amount after issue would first require that you terminate the Return of Premium Death Benefit Rider you may have elected at issue. The No-Lapse Guarantee Period for the Base Face Amount under any policy that has an unscheduled Supplemental Face Amount increase is limited to the first five policy years.

After the first policy year, we may approve a reduction in the Base Face Amount or the Supplemental Face Amount, but only if the remaining Base Face Amount will be at least $50,000, and the remaining Total Face Amount will at least equal the minimum required by the tax laws to maintain the policy's life insurance status. An approved decrease will take effect on the monthly deduction date on or next following the date we approve the request. We reserve the right to require that the Supplemental Face Amount be fully depleted before the Base Face Amount can be reduced.

**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 Total Face Amount after the change will equal your Total 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 or the performance of the indexed 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.

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Notwithstanding other policy limits, if the change from Option 2 to 1 yields a Total Face Amount that is larger than 400% of the Total Face Amount at issue, we will allow for the increase. 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.** If you change the death benefit option, the Federal tax law test ("guideline premium test" or "cash value accumulation test") that you elected at issue will continue to apply.

A change in the death benefit option or Total Face Amount will often change the policy's limits under the Federal tax law test that you elected. To avoid having the policy cease to qualify as life insurance for tax purposes, we reserve the right to (i) refund policy value (if the guideline premium test was elected) or (ii) increase the death benefit (if the cash value accumulation test was elected), which may have the effect of increasing cost of insurance charges under the policy.

**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 Base Face Amount, any Supplemental 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 Total Face Amount. Generally, any such reduction in the Total Face Amount will be implemented by first reducing any Supplemental Face Amount then in effect. We reserve the right to approve reductions in the Base Face Amount prior to eliminating the Supplemental Face Amount. You should consider a number of factors in determining whether to continue coverage in the form of Base Face Amount or Supplemental Face Amounts. A reduction in Base Face Amount or Supplemental Face Amount will result in a reduction of the charge associated with that component of the coverage.

Generally, each withdrawal must be at least $500. 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 Base Face Amount to fall below $50,000. If such a reduction in Total Face Amount would cause the policy to fail the Internal Revenue Code's ("Code") definition of life insurance, we will not permit the withdrawal.

When you take a withdrawal (that is not a systematic withdrawal) from a segment of an indexed account prior to the segment maturity date, a "lock-out period" will be imposed upon the creation of new segments. The duration of the lock-out period is twelve consecutive months. During the lock-out period, any portion of policy value in a holding segment, as well as any additional amounts allocated or transferred to an indexed account, will not be designated to a new segment until the first segment initiation date following the lock-out period.

If you have policy value allocated to the indexed accounts at the time of the withdrawal, 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. If insufficient value exists from the fixed account and variable investment accounts to cover the withdrawal, policy value will be deducted from the holding segment. If insufficient policy value exists in the holding segment, policy value will be deducted from indexed account segments on a pro-rata basis.

**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;&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;&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.

You may choose to take either a Standard Loan or an Index Loan. In general, only one type of policy loan may be utilized at a given time.

**Standard Loan** 

If you select a Standard Loan, interest is charged on the loan at a fixed rate. 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 a Standard Loan 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 transferred from the variable investment accounts and Fixed Account to a loan account as collateral for the loan in the same proportion as any policy value that is then allocated between the variable investment accounts and the Fixed Account. 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 Standard Loan minus the interest rate we credit to the loan account, however, it will never be greater than 2% for policy year 1-10 and 1.25% for policy years 11 and thereafter. For example, if the annual interest rate we charge for a loan is 3% in year 5, 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% in policy year 5.

In the event that a Standard Loan is taken and there is insufficient value in the variable investment accounts or the Fixed Account to cover the loan, the balance of the loan will be secured by amounts in the holding segment or the indexed accounts until the next segment maturity date, at which time the balance will be moved to the loan account. Amounts secured by the holding segment will be transferred to the loan account at the time the loan is taken. The balance of the loan secured by amounts in the indexed account will be charged interest at the same fixed Standard Loan rate as other amounts and will receive the interest credits applied based on the performance of the indexed accounts until transferred to the loan account.

**Index Loan** 

If you select an Index Loan, the interest charged is variable and set each year on your policy anniversary. The interest rate charged will not change during the policy year. The maximum interest rate we can charge for the loan is 15%. You can pay the interest or allow it to become part of the outstanding Index Loan balance.

For Index Loans, the amount of your requested loan will be taken as a lien against amounts in the holding segment, if any, and amounts allocated to the indexed accounts, which will be equal to the loan amount. The amount of any interest credits applied to the loaned amounts is based on the performance of the indexed accounts in the same manner as non-loaned policy value allocated to the indexed accounts. If the interest rate credited to the policy is higher than the interest rate charged, you may have a gain on the loaned amounts. For example, if the annual interest rate we charge for an Index Loan is 5% in a given year, and the indexed accounts earn 7% (based on the particular indexed account parameters), there would be a 2% net gain on the loaned amounts. Conversely, if the annual interest rate we charge for an Index Loan is 5% in a given year, and the indexed accounts earn the floor rate of 0.25%, there would be a 4.75% net interest rate applied against the loaned amounts. Upon segment maturity, the Index Loan amounts subject to the lien will be allocated according to the allocation instructions we have on file for you.

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In the event that an Index Loan is taken and there is insufficient value in the indexed accounts to cover the loan, the balance of the Index Loan will be secured by the variable investment accounts and/or the Fixed Account and will be transferred to the loan account. The amount taken from the variable investment accounts and/or the Fixed Account will then be allocated to the loan account and be credited with interest at a rate no less than the annual interest rate we charge for the loan minus the Maximum Loan Interest Credited Differential.

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

When a Standard Loan is taken, the amount of the loan is deducted from the variable investment accounts and Fixed Account in the same proportion as the policy value is then allocated between the variable investment accounts and Fixed Account, and is transferred to the loan account. If the policy value in the variable investment accounts and any fixed account is not sufficient to cover the amount of the loan, we will next transfer value from the holding segment to the loan account. Amounts transferred from the holding segment to the loan account are credited and charged interest in the same manner as described in the Standard Loan section above. If there is insufficient value in the holding segment to complete the transfer, we will then use the policy value in any indexed account as collateral for the remaining amount. The policy value used as collateral for the loan in the indexed account will not be reduced as a result of the loan. This means an amount equal to the loan will not be transferred immediately from the indexed account to the loan account. Instead, the policy value will remain in the indexed account segment until the segment has matured, where those segments will earn index segment interest credit upon the segment maturity date rather than earning interest in the same manner as amounts transferred to the loan account, as described above. Upon segment maturity, policy value in the indexed account that is collateral for a loan will be transferred to the loan account. The maximum effective annual interest rate we can charge for a Standard Loan, including the policy value in the indexed account that is collateral for a loan, is 3.25% for policy years 1-10 and 2.25% for policy years 11 and thereafter.

When an Index Loan is taken, we will first use the policy value in the holding segments and/or indexed accounts as collateral for the loaned amount. The policy value used as collateral for the loan in the indexed account will not be reduced as a result of the loan. This means an amount equal to the loan will not be transferred from the indexed account to the loan account. Instead, the policy value will remain in the indexed account segments, where those segments will earn index segment interest credit upon the segment maturity date rather than earning interest in the same manner as amounts transferred to the loan account, as described in the Index Loan section above. If the policy value in the indexed accounts is not sufficient to cover the amount of the loan, the balance of the loan is deducted from the variable investment accounts and any fixed account in the same proportion as the policy value is allocated among them and is transferred to the loan account. The maximum effective annual interest rate we can charge for an Index Loan, including the policy value in the loan account, is 15%.

Once transferred to the loan account, the amounts in the loan account do not participate in the investment experience of the variable investment accounts, fixed account, or indexed accounts, 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, fixed account, any indexed account, and the 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 loan account or on the loaned amounts allocated to the indexed accounts. 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 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 Standard or Index Loan at any time. Each repayment will be allocated among the accounts as set out below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The repayment will first be applied to reduce any loan amount collateralized by the indexed accounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If any loan repayment remains, it will then be applied to the policy value by transferring the repayment amount
from the loan account to the other accounts as follows:

&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;• 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.

**Loan Option Change** 

You may request to change the loan option you have on your policy once every policy year. Otherwise, your initial choice of loan option will remain in effect as long as there is outstanding policy debt. The loan option change will take effect on the policy anniversary following your written request. If you change your loan from a Standard Loan to an Index Loan, we may limit the indexed accounts to which you may transfer outstanding loan amounts. Review your policy for additional detail about changes between a Standard Loan and an Index Loan.

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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.

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

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|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**OPTIONAL BENEFITS** | &nbsp;&nbsp;&nbsp;**OPTIONAL BENEFITS** | &nbsp;&nbsp;&nbsp;**OPTIONAL BENEFITS** |
| &nbsp;&nbsp;&nbsp;**Name of Benefit** | **Purpose** | **Brief Description of Restrictions/Limitations** |
| &nbsp;&nbsp;&nbsp;Healthy Engagement Rider\* | Provides the opportunity to add credits to your policy value based upon the insured person's ongoing participation in activities that promote a healthy lifestyle. The higher the insured person's healthy engagement status category, and the more years the insured person qualifies for higher status categories, the larger your credits are likely to be. The Healthy Engagement Rider also provides the insured person with the possibility of other benefits. | The amount of any credit will be reduced (a) the closer we are to charging the policy's maximum cost of insurance rate or (b) at any time the policy's death benefit exceeds the cap shown in your policy. We have the right to change at any time the qualification standards for status categories. Also, we may change or terminate any other incentives. |
| &nbsp;&nbsp;&nbsp;Healthy Engagement Core Rider\* | 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.<br>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 healthy activities. | We reserve the right to amend aspects of the program from time to time, including the Program Rewards.<br>In order to participate in the program, the insured person (i) must have attained Age 20, and (ii) must not have elected the Healthy Engagement Rider. |
| &nbsp;&nbsp;&nbsp;Return of Premium Death Benefit Rider\* | Provides an additional death benefit payable upon the death of the insured person. | This benefit is available to you only if you elect death benefit Option 1. You must terminate this rider before you can elect any increase to your Supplemental Face Amount. |
| &nbsp;&nbsp;&nbsp;Accelerated Benefit 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. | Payment of the benefit amount will reduce your death benefit, cash value or loan value under your policy. This rider is only available with policies that are individually owned. |

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|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**OPTIONAL BENEFITS** | &nbsp;&nbsp;&nbsp;**OPTIONAL BENEFITS** | &nbsp;&nbsp;&nbsp;**OPTIONAL BENEFITS** |
| &nbsp;&nbsp;&nbsp;**Name of Benefit** | **Purpose** | **Brief Description of Restrictions/Limitations** |
| &nbsp;&nbsp;&nbsp;Cash Value Enhancement Rider | Provides an enhancement in cash surrender value. | The decision to add this rider to your policy must be made at issuance of the policy and, once made, is irrevocable. |
| &nbsp;&nbsp;&nbsp;Overloan Protection Rider | Prevents your policy from lapsing on any date if policy debt exceeds the death benefit. | The benefit is subject to a number of eligibility requirements relating to, among other things, the number of years the policy has been in force, the attained age of the insured person, the death benefit option elected and the tax status of the policy.<br>When the Overloan Protection Benefit in this rider is invoked, all values in the variable investment accounts and the indexed accounts (upon segment maturity) are transferred to the fixed account and will continue to grow at the current fixed account interest rate.<br>Thereafter, policy changes and transactions are limited as set forth in the rider. Any applicable No- Lapse Guarantee under the policy no longer applies, and any supplementary benefit rider requiring a monthly deduction will automatically be terminated.<br>When the Overloan Protection Rider causes the policy to be converted into a fixed policy, there is risk that the Internal Revenue Service could assert that the policy has been effectively terminated and that the outstanding loan balance should be treated as a distribution. |

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

**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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•  **<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, indexed 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

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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.

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 No-Lapse Guarantee 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.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Return of Premium Death Benefit Rider**. You may elect to have your policy issued with an optional Return of
Premium Death Benefit Rider. This rider provides an additional death benefit payable upon the death of the insured person. The Return of Premium Death Benefit has an initial value equal to your initial premium times the "Percentage of
Premium" you select (which may range between 0% and 100%). We show the Percentage of Premium you select in the policy specifications page. **T his benefit is only available to you if you elect death benefit Option 1.** 

*Example:* Assume that you have chosen a Return of Premium Benefit of 100% of premiums paid to the insured person's age 121, and the annual premium amount is $10,000. If you pay that premium for 40 years prior to the date of the insured person's death, the rider will increase the death benefit paid by $400,000 [40 years x $10,000].

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•  **<u>Cash Value Enhancement Rider.</u>** Your policy may be issued with the Cash Value
Enhancement Rider. The decision to add this rider to your policy must be made at issuance of the policy and, once made, is irrevocable for the 10 year duration of the rider period. There is a charge for this rider equal to 4% of premium paid in
years 1 to 10. The benefit of this rider is that the cash surrender value of your policy is enhanced during the first 10 policy years. The benefit will apply only in determining the cash surrender value on a full surrender, under the default
provision of the policy, and when determining the minimum death benefit as described below.

While this rider is in effect the cash surrender value is equal to the policy value less surrender charge plus the Cash Value Enhancement Benefit. The Cash Value Enhancement Benefit is an amount equal to (a) plus (b), where:

(a) is the surrender charge that would otherwise be payable multiplied by the Cash Value Enhancement Factor for the
applicable policy year; and

(b) is the sum of all premium paid to date net of any withdrawals, with the result multiplied by the Cumulative
Premium Factor for the applicable policy year.

The Cash Value Enhancement Factors and the Cumulative Premium Factors are shown in the tables below.

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|:---|:---|
| **Policy Year** | **Cash Value<br>Enhancement** |
| 1 | 95% |
| 2 | 90% |
| 3 | 85% |
| 4 | 80% |
| 5 | 75% |
| 6 | 50% |
| 7 | 50% |
| 8 | 25% |
| 9 | 25% |
| 10 | 10% |
|  11+ | 0% |
| **Policy Year** | **Cumulative Premium** |
| 1 | 2% |
| 2 | 2% |
| 3 | 2% |
| 4 | 2% |
| 5 | 2% |
| 6 | 2% |
| 7 | 2% |
| 8 | 2% |
| 9 | 2% |
| 10 | 2% |
|  11+ | 0% |

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While this rider is in effect, the greater of the policy value and the enhanced cash surrender value is used in the determination of the minimum death benefit.

*Example:* Assume that your policy value at the end of year 5 is $100,000, that the applicable surrender charge at that time is $40,000, that $80,000 in premium has been paid into the policy to date, and that there is no policy debt. The Cash Value Enhancement Benefit under this rider at the end of year 5 would be $31,600 [i.e., 75% of $40,000 plus 2% of $80,000]. If you fully surrendered the policy at the end of year 5, the surrender proceeds paid would be $100,000 - $40,000 + $31,600 = $91,600. This rider does not, however, increase the amount of any death benefit that is payable upon the insured person's death.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Overloan Protection Rider.** This rider will prevent your policy from lapsing on any date if policy debt
exceeds the death benefit. The benefit is subject to a number of eligibility requirements relating to, among other things, the number of years the policy has been in force, the attained age of the life insured, the death benefit option elected and
the tax status of the policy.

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*Example:* Assume that your policy's death benefit is $1,000,000 and that you have taken loans of $100,000 per year in policy years 30 through 35 which would cause the policy to then lapse in policy year 40 if further premiums are not paid. Assume also that, at the end of year 35, you exercise the Overloan Protection Rider and pay the one-time rider charge. The policy would then remain in force after policy year 40 without any further premium payments, and the death benefit paid upon the insured person's death would remain $1,000,000 less the amount of the policy debt at the date of death.

When the Overloan Protection Benefit in this rider is invoked, all values in the variable investment accounts and the indexed accounts (upon segment maturity) are transferred to the fixed account and will continue to grow at the current fixed account interest rate. Transfer fees do not apply to these transfers. Thereafter, policy changes and transactions are limited as set forth in the rider; for example, death benefit increases or decreases, additional premium payments, policy loans, withdrawals, surrender and transfers are no longer allowed. Any outstanding policy debt will remain. Interest will continue to be charged at a rate that will not exceed the overloan protection maximum rate set forth in the policy, and the policy's loan account will continue to be credited with the policy's overloan protection loan interest credited rate set forth in the policy. Any applicable No-Lapse Guarantee under the policy no longer applies, and any supplementary benefit rider requiring a monthly deduction will automatically be terminated.

When the Overloan Protection Rider causes the policy to be converted into a fixed policy, there is risk that the Internal Revenue Service could assert that the policy has been effectively terminated and that the outstanding loan balance should be treated as a distribution. Depending on the circumstances, all or part of such deemed distribution may be taxable as income. You should consult a tax adviser as to the risks associated with the Overloan Protection Rider.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•  **<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 on the insured person. 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 on the insured person.

*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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•  **<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.

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.

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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.

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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. 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. 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. 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* 

**<u>Cash Value Enhancement Rider.</u>** If you have elected the Cash Value Enhancement Rider, we will not treat the rider charge as a distribution from your life insurance policy for federal income tax purposes, however, such charge will reduce your investment in the policy.

**<u>Healthy Engagement Rider.</u>** If you have elected the Healthy Engagement 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.

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 $600 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.

**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 No-Lapse Guarantee is not in effect, 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 general 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 and indexed 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- 800-521-1234.

**Risks Associated with Indexed Accounts** 

For the Base Capped Indexed Account, Base High Par Capped Indexed Account, Base Capped Two Year Indexed Account and the High Capped Indexed Account, the index segment interest credits will vary based upon the performance of the S&P 500 (excluding dividends) subject to the application of the participation rate, the segment cap rate and the guaranteed segment floor rate ("indexed account parameters"). You bear the risk that performance of the S&P 500 may result in index segment interest credits that are low enough to require you to increase your premium payments in order to keep your policy in force. This risk is increased when policy value is allocated to the High Capped Indexed Account, which has an Indexed Performance Charge; when the index segment interest credit for a segment of the High Capped Indexed Account is less than the annualized Indexed Performance Charge, the effective annual return on the portion of the policy value in that segment will be negative.

It is within our discretion to set the segment cap rate and participation rate for any new segment term, subject to their respective guaranteed rates. If we reduce the segment cap rate or the participation rate for future segment terms, the amount of index segment interest credit which you may have otherwise received would be reduced and you may need to increase your premium payments in order to keep your policy in force. If the S&P 500 on the segment maturity date has increased from the segment initiation date by a percentage that exceeds the segment cap rate for the segment term, the indexed segment interest credit applied to the indexed account for that segment will be limited to the segment cap rate.

For the Barclays Global MA Classic Indexed Account, the index segment interest credits will vary based upon the performance of the Barclays Global MA Index (excluding dividends) subject to the application of the participation rate and the guaranteed segment floor rate ("indexed account parameters"). You bear the risk that performance of the index may result in index segment interest credits that are low enough to require you to increase your premium payments in order to keep your policy in force.

It is within our discretion to set the participation rate for any new segment term, subject to minimum guaranteed rates. If we reduce the participation rate for future segment terms, the amount of index segment interest credit which you may have otherwise received would be reduced and you may need to increase your premium payments in order to keep your policy in force.

Withdrawals from an indexed account will reduce the amount of any index segment interest credit for any impacted segment, as we will not credit any interest on any amount that does not remain in the segment for its full term. If a policy terminates before a segment maturity date due to death of the insured, surrender of the net cash surrender value or insufficient premium, no index segment interest credit will be applied for that segment.

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**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. Transfers from an indexed account to any other account can only be made on a segment maturity date.

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 twelve 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. Upon surrender or withdrawal, we will not apply index segment interest credits to any amounts taken from segments which have not reached their segment maturity date.

**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.

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.

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**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 7% is deducted from all premiums paid in policy years 1-20. A maximum premium charge of 2% is deducted from all premiums paid in policy years 21 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 $20 per month that will cease at and after the insured person reaches age 121.

**<u>Base Face Amount charge.</u>** A monthly charge for a minimum duration of 10 years and maximum duration of 27 years, which primarily helps cover sales costs. To determine the charge we multiply the amount of Base Face Amount at issue by a rate that varies by the insured person's sex, age, risk classification, and death benefit option at issue.

**<u>Supplemental Face Amount charge.</u>** A monthly charge for a minimum duration of 10 years and maximum duration of 27 years, which primarily helps cover sales costs. To determine the charge we multiply the greater of the amount of Supplemental Face Amount at issue and the current amount of Supplemental Face Amount 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 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>Indexed Performance charge.</u>** A monthly charge to fund the higher segment cap rate for the High Capped Indexed Account. The charge is a percentage of that portion of your policy value allocated to the High Capped Indexed Account. This charge does not apply to any other indexed account, the fixed account, or the variable investment accounts.

**<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 Return of Premium Benefit Rider and for some policies the Accelerated Benefit 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 which increase the amount of up-front commissions paid. The charge is determined by taking the advance, excess (if any) 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, through policy year 10. 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 Limit varies depending upon the issue age, insurance risk characteristics and gender of the insured person. Although the Advance Contribution Charge Rate is the same for all insured persons, since the Advance Contribution Limit varies, the actual Advance Contribution Charge amount will vary by each insured person's circumstances. The Advance Contribution Charge Rate and the Advance Contribution Limit are identified in your Policy Specifications.

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**<u>Loan interest charge.</u>** We will charge interest on any amount you borrow from your policy. For Standard Loans, the interest rate charged is fixed at an effective annual rate of 3.25% in the first ten policy years and 2.25% thereafter. For Index Loans, the interest rate charged is variable but will never exceed the maximum loan interest rate shown in the prospectus or your policy specifications. We set this rate each year at your policy anniversary and it does not change during the Policy Year.

**<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 if the policy lapses or is surrendered. We deduct this charge to compensate us primarily for sales expenses that we would otherwise not recover in the event of early lapse or a surrender.

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, Base 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 decreases each month until it becomes zero at the end of the fifteenth 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 Base 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 Base Face Amount charges do not cover total sales expenses, the sales expenses may be recovered from other sources, including 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, indexed account or variable investment accounts, we deduct the monthly deductions from your policy's variable investment accounts, the indexed 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 138% of target premium paid in the first policy year, and 8% of target premium

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paid in years 2-10. Compensation paid on any premium in excess of target premium will not exceed 10% in any year. If a broker-dealer chooses a compensation option that includes commissions equal to a percentage of a policy's value, that percentage will not exceed 0.5% of the prior year-end policy value. 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 (the "SAI")</u>.

**Lapse and Reinstatement** 

**Lapse.** Unless the No-Lapse Guarantee 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

b) You must pay 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.

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

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

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

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

&nbsp;&nbsp;&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 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 New 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 and indexed accounts 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** 

Provided the policy is in force at and after the life insured's age 121:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will no longer take monthly deductions for charges identified in the Fee Table of this prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will continue to credit interest to a fixed account and the indexed accounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will continue to charge and credit loan interest on any outstanding loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will continue to accept loan repayments on existing loans.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will allow new segments to be created.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will no longer apply the asset credit to the policy value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will not allow any withdrawals.

&nbsp;&nbsp;&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 or indexed 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 an 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

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receive no instructions) on any matter in proportion to the instructions timely received by us and any affiliated insurance 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: 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 <u>dfinview.com/JohnHancock/TAHD/MVUL2025EM</u>. You can also request this information at no cost by calling 1-800-521-1234 or by sending an email request to webmail@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.

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|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp; **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** |
| &nbsp;&nbsp;&nbsp; **Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | **1-Year** | **5-Year** | **10-Year** |
| &nbsp;&nbsp;&nbsp;To approximate the aggregate total return of a broad-based U.S. domestic equity market index. | 500 Index Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.25%<sup>\*</sup> | 24.67 | 14.23 | 12.81 |
| &nbsp;&nbsp;&nbsp;To seek income and capital appreciation. | Active Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.65%<sup>\*</sup> | 2.16 | 0.31 | 1.93 |
| &nbsp;&nbsp;&nbsp;To seek to provide high total return (including income and capital gains) consistent with preservation of capital over the long term. | American Asset Allocation Trust - Series I<br>Capital Research and Management<br> Company (Adviser to the Master Fund, American Fund Insurance Series) | 0.91%<sup>\*</sup> | 16.02 | 7.93 | 7.93 |
| &nbsp;&nbsp;&nbsp;To seek to provide long-term growth of capital. | American Global Growth Trust - Series I<br>Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series) | 1.06%<sup>\*</sup> | 13.20 | 9.33 | 10.32 |
| &nbsp;&nbsp;&nbsp;To seek to provide growth of capital. | American Growth Trust - Series I<br>Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series) | 0.96%<sup>\*</sup> | 31.09 | 18.39 | 16.15 |
| &nbsp;&nbsp;&nbsp;To seek to provide long-term growth of capital and income. | American Growth-Income Trust - Series I<br>Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series) | 0.91% | 23.71 | 12.59 | 11.80 |
| &nbsp;&nbsp;&nbsp;To seek to provide long-term growth of capital. | American International Trust - Series I<br>Capital Research and Management<br> Company (Adviser to the Master Fund, American Fund Insurance Series) | 1.16%<sup>\*</sup> | 2.79 | 0.85 | 3.63 |
| &nbsp;&nbsp;&nbsp;To provide long-term growth of capital. Current income is a secondary objective. | Blue Chip Growth Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*T. Rowe Price Associates, Inc.* | 0.76%<sup>\*</sup> | 35.73 | 14.60 | 14.87 |

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|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** |
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | **1-Year** | **5-Year** | **10-Year** |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Capital Appreciation Value Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*T. Rowe Price Associates, Inc.* | 0.88%<sup>\*</sup> | 12.43 | 10.22 | 10.30 |
| &nbsp;&nbsp;&nbsp;To seek total return consisting of income and capital appreciation. | Core Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Allspring Global Investments, LLC* | 0.62%<sup>\*</sup> | 1.54 | -0.19 | 1.30 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Disciplined Value Emerging Markets Equity Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Boston Partners Global Investors, Inc.* | 0.99%<sup>\*</sup> | -2.44 | 2.75 | 3.38 |
| &nbsp;&nbsp;&nbsp;To seek long-term growth of capital. | Disciplined Value International Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Boston Partners Global Investors, Inc.* | 0.78% | -0.35 | 5.89 | 4.45 |
| &nbsp;&nbsp;&nbsp;To provide substantial dividend income and also long-term growth of capital. | Equity Income Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*T. Rowe Price Associates, Inc.* | 0.71%<sup>\*</sup> | 11.67 | 8.42 | 8.29 |
| &nbsp;&nbsp;&nbsp;To seek growth of capital. | Financial Industries Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.88%<sup>\*</sup> | 30.36 | 9.47 | 9.05 |
| &nbsp;&nbsp;&nbsp;To seek long-term growth of capital. | Fundamental All Cap Core Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.70%<sup>\*</sup> | 24.24 | 16.16 | 13.71 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Fundamental Large Cap Value Trust - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*Manulife Investment Management (US) LLC* | 0.72%<sup>\*</sup> | 17.02 | 14.16 | 10.86 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Global Equity Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.88%<sup>\*</sup> | 10.53 | 7.94 | 5.90 |

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|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** |
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | **1-Year** | **5-Year** | **10-Year** |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Health Sciences Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*T. Rowe Price Associates, Inc.* | 0.84%<sup>\*</sup> | 1.86 | 5.51 | 8.12 |
| &nbsp;&nbsp;&nbsp;The fund seeks high current income. Capital appreciation is a secondary goal. | High Yield Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.61%<sup>\*</sup> | 9.19 | 3.69 | 4.46 |
| &nbsp;&nbsp;&nbsp; To seek to track the performance of a broad-based equity index of foreign companies primarily in developed<br> countries and, to a lesser extent, in emerging markets. | International Equity Index Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*SSGA Funds Management, Inc.* | 0.34%<sup>\*</sup> | 4.90 | 3.88 | 4.69 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | International Small Company Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Dimensional Fund Advisors LP* | 1.01% | 3.11 | 3.40 | 5.34 |
| &nbsp;&nbsp;&nbsp;To provide a high level of current income consistent with the maintenance of principal and liquidity. | Investment Quality Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Wellington Management Company LLP* | 0.70% | 2.05 | 0.02 | 1.66 |
| &nbsp;&nbsp;&nbsp;To seek a balance between a high level of current income and growth of capital, with a greater emphasis on growth of capital. | Lifestyle Balanced Portfolio - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*Manulife Investment Management (US) LLC* | 0.64% | 8.67 | 5.24 | 5.68 |
| &nbsp;&nbsp;&nbsp;To seek a high level of current income with some consideration given to growth of capital. | Lifestyle Conservative Portfolio - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.65%<sup>\*</sup> | 4.48 | 2.15 | 3.23 |
| &nbsp;&nbsp;&nbsp;To seek long-term growth of capital. Current income is also a consideration. | Lifestyle Growth Portfolio - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*Manulife Investment Management (US) LLC* | 0.61% | 11.37 | 7.26 | 7.28 |
| &nbsp;&nbsp;&nbsp;To seek a balance between a high level of current income and growth of capital, with a greater emphasis on income. | Lifestyle Moderate Portfolio - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.64%<sup>\*</sup> | 7.19 | 4.21 | 4.86 |

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|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** |
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | **1-Year** | **5-Year** | **10-Year** |
| &nbsp;&nbsp;&nbsp;To seek growth of capital and current income while seeking to both manage the volatility of return and limit the magnitude of portfolio losses. | Managed Volatility Balanced Portfolio - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.75% | 9.37 | 3.09 | 4.36 |
| &nbsp;&nbsp;&nbsp;To seek current income and growth of capital, while seeking to both manage the volatility of return and limit the magnitude of portfolio losses. | Managed Volatility Conservative Portfolio - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.74% | 3.64 | -0.03 | 2.28 |
| &nbsp;&nbsp;&nbsp;To seek long term growth of capital while seeking to both manage the volatility of return and limit the magnitude of portfolio losses. | Managed Volatility Growth Portfolio - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.77% | 11.97 | 3.86 | 4.70 |
| &nbsp;&nbsp;&nbsp;To seek current income and growth of capital while seeking to both manage the volatility of return and limit the magnitude of portfolio losses. | Managed Volatility Moderate Portfolio - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.75% | 8.09 | 2.60 | 4.08 |
| &nbsp;&nbsp;&nbsp;To seek long-term growth of capital. | Mid Cap Growth Trust - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*Wellington Management Company LLP* | 0.88%<sup>\*</sup> | 25.14 | 10.76 | 11.41 |
| &nbsp;&nbsp;&nbsp;Seeks to approximate the aggregate total return of a mid cap U.S. domestic equity market index. | Mid Cap Index Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.40%<sup>\*</sup> | 13.47 | 9.92 | 9.26 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Mid Value Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*T. Rowe Price Associates, Inc.* | 0.95%<sup>\*</sup> | 16.37 | 12.50 | 9.89 |
| &nbsp;&nbsp;&nbsp;To obtain maximum current income consistent with preservation of principal and liquidity. | Money Market Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.28%<sup>\*</sup> | 5.03 | 2.28 | 1.57 |
| &nbsp;&nbsp;&nbsp;To seek maximum total return, consistent with preservation of capital and prudent investment management. | Opportunistic Fixed Income Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Wellington Management Company LLP* | 0.89%<sup>\*</sup> | -0.27 | 1.40 | 1.94 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** |
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | **1-Year** | **5-Year** | **10-Year** |
| &nbsp;&nbsp;&nbsp;To seek to achieve a combination of long-term capital appreciation and current income. | Real Estate Securities Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Wellington Management Company LLP* | 0.76% | 10.79 | 4.43 | 6.14 |
| &nbsp;&nbsp;&nbsp;To seek long-term growth of capital. Current income is incidental to the fund's objective. | Science & Technology Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*T. Rowe Price Associates, Inc.* | 0.99%<sup>\*</sup> | 37.98 | 18.65 | 18.10 |
| &nbsp;&nbsp;&nbsp;To seek income and capital appreciation. | Select Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*Manulife Investment Management (US) LLC* | 0.60%<sup>\*</sup> | 1.88 | 0.03 | 1.55 |
| &nbsp;&nbsp;&nbsp;To seek a high level of current income consistent with preservation of capital. Maintaining a stable share price is a secondary goal. | Short Term Government Income Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.67%<sup>\*</sup> | 2.80 | 0.39 | 0.82 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Small Cap Core Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.87%<sup>\*</sup> | 6.01 | 5.05 | 5.95 |
| &nbsp;&nbsp;&nbsp;Seeks to approximate the aggregate total return of a small cap U.S. domestic equity market index. | Small Cap Index Trust - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*Manulife Investment Management (US) LLC* | 0.48%<sup>\*</sup> | 10.87 | 6.99 | 7.47 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Small Cap Opportunities Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Dimensional Fund Advisors LP* | 0.81%<sup>\*</sup> | 8.64 | 10.73 | 8.55 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Small Cap Stock Trust - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*Wellington Management Company LLP* | 1.07%<sup>\*</sup> | 11.55 | 6.53 | 7.82 |
| &nbsp;&nbsp;&nbsp;To seek long-term growth of capital. | Small Company Value Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*T. Rowe Price Associates, Inc.* | 1.14%<sup>\*</sup> | 10.32 | 6.44 | 7.63 |
| &nbsp;&nbsp;&nbsp;To seek a high level of current income. | Strategic Income Opportunities Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.71%<sup>\*</sup> | 3.16 | 1.81 | 2.65 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** |
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **1-Year** | **5-Year** | **10-Year** |
| &nbsp;&nbsp;&nbsp; To seek to track the performance of the Bloomberg U.S. Aggregate Bond Index (the "Bloomberg Index") (which<br> represents the U.S. investment grade bond market). | Total Bond Market Trust - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*Manulife Investment Management (US) LLC*<br> 0.25%<sup>\*</sup> | 1.14 | -0.56 | 1.10 |
| &nbsp;&nbsp;&nbsp;Seeks to approximate the aggregate total return of a broad U.S. domestic equity market index. | Total Stock Market Index Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC*<br> 0.51%<sup>\*</sup> | 23.53 | 13.33 | 11.93 |
| &nbsp;&nbsp;&nbsp; The fund seeks a high level of current income consistent with the maintenance of liquidity and the preservation of capital. | Ultra Short Term Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*Manulife Investment Management (US) LLC*<br> 0.62%<sup>\*</sup> | 5.01 | 1.98 | 1.58 |
| &nbsp;&nbsp;&nbsp;To seek long-term growth of capital. | U.S. Growth Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Wellington Management Company LLP*<br> 0.59%<sup>\*</sup> | 30.71 | 17.68 | 16.20 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** |
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | **1-Year** | **5-Year** | **10-Year** |
| &nbsp;&nbsp;&nbsp;To seek to provide capital appreciation over a multi-year market cycle, generally at least 3-5 years. | Bain Capital Equity Opportunities Fund - Class 2<br>Bain Capital Public Equity, LP/*Test* | 1.63% | N/A | N/A | N/A |
| &nbsp;&nbsp;&nbsp;Seeks to provide maximum capital appreciation. | M Capital Appreciation Fund - Series M<br>M Financial Investment Advisers, Inc./*Frontier Capital Management Company, LLC* | 0.98% | 9.94 | 9.04 | 8.67 |
| &nbsp;&nbsp;&nbsp;Seeks to provide long-term capital appreciation. | M International Equity Fund - Series M<br>M Financial Investment Advisers, Inc./*Dimensional Fund Advisors LP* | 0.74% | 3.96 | 4.59 | 3.61 |
| &nbsp;&nbsp;&nbsp;Seeks to provide long-term capital appreciation. | M Large Cap Growth Fund - Series M<br>M Financial Investment Advisers, Inc./*Federated Hermes, Inc.* | 0.58% | 25.5 | 14.12 | 13.87 |
| &nbsp;&nbsp;&nbsp;Seeks to provide long-term capital appreciation. | M Large Cap Value Fund - Series M<br>M Financial Investment Advisers,<br> Inc./*Brandywine Global Investment Management, LLC* | 0.63% | 18.63 | 9.63 | 7.81 |
| &nbsp;&nbsp;&nbsp;To seek to provide capital appreciation. | TOPS<sup>®</sup> Aggressive Growth ETF - Class 2<br>ValMark Advisers, Inc./*Milliman Financial Risk Management, LLC* | 0.54% | 11.99 | 8.25 | 8.14 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;To seek to provide income and capital appreciation. | 0.55% | 6.86 | 4.68 | 4.84 |
| &nbsp;&nbsp;&nbsp;To seek to preserve capital and provide moderate income and moderate capital appreciation. TOPS<sup>®</sup> Conservative ETF - Class 2<br> ValMark Advisers, Inc./*Milliman Financial Risk Management, LLC* | 0.56% | 6.00 | 3.75 | 3.76 |
| &nbsp;&nbsp;&nbsp;To seek to provide capital appreciation. TOPS<sup>®</sup> Growth ETF - Class 2<br> ValMark Advisers, Inc./*Milliman Financial Risk Management, LLC* | 0.55% | 10.79 | 7.38 | 7.25 |
| &nbsp;&nbsp;&nbsp;To seek to provide capital appreciation. TOPS<sup>®</sup> Moderate Growth ETF - Class 2<br>ValMark Advisers, Inc./*Milliman Financial Risk Management, LLC* | 0.54% | 8.84 | 6.06 | 6.11 |

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

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| | |
|:---|:---|
| **<u>JOHN HANCOCK USA SERVICE OFFICE</u>** | **<u>JOHN HANCOCK USA SERVICE OFFICE</u>** |
| **Overnight Express Delivery** | **Mail Delivery** |
| Life Post Issue – Specialty Products<br> John Hancock Insurance Company<br> 372 University Ave, Suite #55979<br> Westwood, MA 02090 | Life Post Issue – Specialty Products<br> John Hancock Insurance Company<br> PO Box 55979<br> Boston, MA 02205 |
| **Phone:** |  |
| 1-800-521-1234 |  |

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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 <u>dfinview.com/JohnHancock/TAHD/MVUL2025EM</u>. 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.

**The Standard & Poor's 500 Composite Stock Price Index is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates ("SPDJI"), and has been licensed for use by the Company. Standard & Poor's<sup>®</sup> and S&P<sup>®</sup> are registered trademarks of Standard & Poor's Financial Services LLC, a division of S&P Global ("S&P"); Dow Jones<sup>®</sup> is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by the Company. The indexed universal life insurance product issued by the policy is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the Standard & Poor's 500 Composite Stock Price Index.** 

**The Barclays Global MA Index (the "Index") is a proprietary index that manages volatility through a systematic, rules-based investments approach. Neither Barclays Bank PLC ("BB PLC") nor any of its affiliates (collectively, "Barclays") is the issuer or producer of the John Hancock Life Insurance Company (U.S.A.)'s (the "Company" or the "Issuer") life insurance products (the "Products") and Barclays has no responsibilities, obligations or duties to purchasers of the Products. The Index, together with any Barclays indices that are components of the Index, is a trademark owned by Barclays and, together with any component indices and index data, is licensed for use by the Company as the issuer or producer of the Products. Barclays only relationship with the Issuer in respect of the Index is the licensing of the Index, which is administered, compiled and published by BB PLC in its role as the index sponsor (the "Index Sponsor") without regard to the Issuer or the Products or purchasers of the Products. Additionally, the Company as the Issuer may for itself execute transaction(s) with Barclays in or relating to the Index in connection with the Products. Purchasers acquire the Products from the Company and purchasers neither acquire any interest in the Index nor enter into any relationship of any kind whatsoever with Barclays upon purchase of the Products. The Products are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the Products or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, Product purchaser or to other third parties in respect of the use or accuracy of the Index or any data included therein. Barclays Bank PLC is the owner of the intellectual property and licensing rights relating to the Index. The Index is operated by Barclays Index Administration, an independent index administration function within Barclays Bank PLC. Barclays Bank PLC may terminate the appointment of, and replace, the Index Sponsor with a successor index sponsor. Following the termination of the appointment of the Index Sponsor, Barclays Bank PLC will publish an announcement of that termination and the identity of the successor index sponsor on <u>www.barclays.com/indices</u> (or any successor website) as soon as reasonably practicable. Solactive AG is the official index calculation and maintenance agent of the Index. The financial instrument is not sponsored, promoted, sold or supported in any other manner by Solactive AG nor does Solactive AG offer any express or implicit guarantee or assurance either with regard to the results of using the Index and/or Index trademark or the Index Price at any time or in any other respect. The Index is calculated and published by Solactive AG. Solactive AG uses its best efforts to ensure that the Index is calculated correctly. Irrespective of its obligations towards the Issuer, Solactive AG has no obligation to point out errors in the Index to third parties including but not limited to purchasers, investors and/or financial intermediaries of the financial instrument. Neither publication of the Index by Solactive AG nor the use of the Index or Index trademark for the purpose of use in connection with the financial instrument constitutes a recommendation by Solactive AG to purchase or invest capital in said financial instrument nor does it in any way represent an assurance or opinion of Solactive AG with regard to any purchase in this financial instrument. Barclays** 

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##### [**Table of Contents**](#toc)
 **does not guarantee the accuracy and/or completeness of the Index described herein any data included therein, or any data from which it is based, and Barclays shall not have any liability for any errors, omissions, or interruptions therein. Barclays does not make any warranty, express or implied, as to the results to be obtained from the use of the Index. Barclays expressly disclaims all warranties of merchantability or fitness for a particular purpose or use with respect to the Index or any data included therein. Without limiting any of the foregoing, in no event shall Barclays have liability for any special, punitive, indirect or consequential damages, lost profits, loss of opportunity or other financial loss, even if notified of the possibility of such damages.** 

**None of Barclays, any of its affiliates or subsidiaries nor any of its directors, officers, employees, representatives, delegates or agents shall have any responsibility to any person (whether as a result of negligence or otherwise) for any determination made or anything done (or omitted to be determined or done) in respect of the Index or publication of the levels of the Index and any use to which any person may put the Index or the levels of the Index. In addition, although Barclays reserves the right to make adjustments to correct previously incorrectly published information, including but not limited to the levels of the Index, Barclays is under no obligation to do so and Barclays shall have no liability in respect of any errors or omissions. Nothing in any of the disclaimers set forth above will exclude or limit liability to the extent such exclusion or limitation is not permitted by law.** 

1940 Act File No. 811-4834 — 1933 Act File No. 333-286257

EDGAR Contract Identifier No. C000261380

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##### [**Table of Contents**](#toc)
Statement of Additional Information <br>dated July 24, 2025

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:

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| | |
|:---|:---|
| **Name of Policy (and SEC EDGAR Identifier #)** | **Name of Policy (and SEC EDGAR Identifier #)** |
| Majestic Variable Universal Life 2025 (C000261379) | &nbsp;&nbsp; Majestic Variable Universal Life 2025 Employer Market <br> (C000261380)<br>|

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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- Specialty Products, John Hancock Insurance Company, PO Box 55979, Boston, MA 02205, or telephone at 1-800-521-1234.

**Table Of Contents** 

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| | |
|:---|:---|
|  | **Page No.** |
| **[General Information and History](#xx_ed328456-0836-4d7e-a4bb-6e63cda92526_1)** | 2 |
| *[Depositor](#xx_ed328456-0836-4d7e-a4bb-6e63cda92526_1)* | 2 |
| *[Registrant](#xx_ed328456-0836-4d7e-a4bb-6e63cda92526_1)* | 2 |
| **[Services](#xx_ed328456-0836-4d7e-a4bb-6e63cda92526_1)** | 2 |
| **[Underwriters](#xx_ed328456-0836-4d7e-a4bb-6e63cda92526_1)** | 2 |
| *[Principal Underwriter](#xx_ed328456-0836-4d7e-a4bb-6e63cda92526_1)* | 2 |
| *[Offering and Commissions](#xx_ed328456-0836-4d7e-a4bb-6e63cda92526_1)* | 2 |
| *[Other Payments](#xx_ed328456-0836-4d7e-a4bb-6e63cda92526_2)* | 3 |
| **[Additional Information](#xx_ed328456-0836-4d7e-a4bb-6e63cda92526_2)** | 3 |
| *[Sales Load](#xx_ed328456-0836-4d7e-a4bb-6e63cda92526_2)* | 3 |
| *[Underwriting Procedures](#xx_ed328456-0836-4d7e-a4bb-6e63cda92526_2)* | 3 |
| **[Financial statements](#xx_ed328456-0836-4d7e-a4bb-6e63cda92526_2)** | 3 |

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**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 2024, 2023, and 2022, was $133, 941,360, $100,002,438, and $110,625,049, respectively. JH Distributors did not retain any of these amounts during such periods.

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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, such as from the Advance Contribution Charge 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, 2024 and 2023, and for each of the three years in the period ended December 31, 2024, [<u>incorporated in this SAI by reference to report</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312525078999/d876692dnvpfs.htm)[<u>on Form N-VPFS</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312525078999/d876692dnvpfs.htm) filed April 11, 2025, 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, 2024, 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/801019/000119312525078999/d876692dnvpfs.htm)[<u>report on Form N-VPFS</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312525078999/d876692dnvpfs.htm) filed April 11, 2025, 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.

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**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, incorporated by reference to Post-Effective Amendment No. 1, File No. 333-281927,</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312525087117/d940772dex99302b.htm)[<u>filed with the Commission on April 21, 2025.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312525087117/d940772dex99302b.htm)

[<u>(d)(1) Form of Specimen Flexible Premium Variable Life Insurance policy, filed herewith.</u>](d32757dex9930d1.htm)

[<u>(2) Specimen Healthy Engagement Rider, incorporated by reference to pre-effective amendment number 1, file number 333-254210,</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521220402/d196814dex9926d8.htm)[<u>filed with the Commission on July 21, 2021.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521220402/d196814dex9926d8.htm)

[<u>(3) Specimen Accelerated Benefit Rider, incorporated by reference to pre-effective amendment number 1, file number 333-254210,</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521220402/d196814dex9926d6.htm)[<u>filed with the Commission on July 21, 2021.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521220402/d196814dex9926d6.htm)

[<u>(4) Specimen Return of Premium Rider, incorporated by reference to pre-effective amendment number 1, file number 333-254210,</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521220402/d196814dex9926d7.htm)[<u>filed with the Commission on July 21, 2021.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521220402/d196814dex9926d7.htm)

[<u>(5) Specimen Cash Value Enhancement Rider, incorporated by reference to pre-effective amendment number 1, file number</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521220402/d196814dex9926d4.htm)[<u>333-254210, filed with the Commission on July 21, 2021.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521220402/d196814dex9926d4.htm)

[<u>(6) Specimen Overloan Protection Rider, incorporated by reference to pre-effective amendment number 1, file number 333-254210,</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521220402/d196814dex9926d5.htm)[<u>filed with the Commission on July 21, 2021.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521220402/d196814dex9926d5.htm)

[<u>(7) Specimen Healthy Engagement Core Rider, incorporated by reference to pre-effective amendment number 1, file number</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521220402/d196814dex9926d11.htm)[<u>333-254210, filed with the Commission on July 21, 2021.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312521220402/d196814dex9926d11.htm)

[<u>(e) Specimen policy application, filed herewith.</u>](d32757dex9930e.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)

[<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)

------

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

[<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 M Life Insurance Company dba</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312508249475/dex9926g.htm)[<u>M Financial Re, incorporated by reference to pre-effective amendment number 1, file number 333-153252, filed with the</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312508249475/dex9926g.htm)[<u>Commission on December 8, 2008.</u>](https://www.sec.gov/Archives/edgar/data/801019/000119312508249475/dex9926g.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)

(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 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>](d32757dex9930k.htm)

(l) Not Applicable.

(m) Not Applicable.

[<u>(n) Consent of Independent Registered Public Accounting Firm, filed herewith.</u>](d32757dex9930n.htm)

------

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

(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 Initial Summary Prospectus, filed herewith.</u>](d32757dex9930r.htm)

Powers of Attorney

[<u>(i) Powers of Attorney for Eileen Cloherty, Nora N. Crouch, Aimee DeCamillo, Dara Gough, Thomas E. Hampton, J.</u>](d32757dex9930i.htm)[<u>Stephanie Nam, Ken Ross, Alex Silva, Brooks Tingle, Shamus Weiland, and Adam T. Wise, filed herewith.</u>](d32757dex9930i.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 |
| 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 |
| **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 |
| Mike Dallas\*\* | Global Head of Employee Experience |
| Kristie Feinberg\* | Head of Retail |

---

------

---

| | |
|:---|:---|
| **Name and Principal Business Address** | **Position with Depositor** |
| Maryscott Greenwood\*\* | Global Head of Regulatory & Public Affairs |
| Len van Greuning\* | Chief Information Officer MIM |
| Anne Hammer\* | Global Chief Communications Officer |
| 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\* | Deputy Chief Actuary |
| Wayne Park\* | Head of US Retirement |
| Gerald Peterson\*\* | Global Head of Operations, GWAM |
| Nicole Rafferty\*\*\* | Global Head of Contact Centers |
| Susan Roberts\* | Head of LTC Customer Care Transformation |
| Ian Roke\*\* | Global Head of Asset & Liability Management |
| Thomas Samoluk\*\* | US General Counsel and US Government Relations |
| Anthony Teta\* | US Head of Inforce Management |
| Nathan Thooft\*\* | Global MAST Chief Investment Officer |
| Anne Valentine-Andrews\*\*\* | Global Head of Private Markets |
| Blake Witherington\*\* | US Chief Credit Officer |
| Leo Zerilli\*\* | Head of Wealth |
| **Vice Presidents** |  |
| Mark Akerson\* |  |
| Jay Aronowitz\*\* |  |
| Kevin Askew\*\* |  |
| William Auger\* |  |
| Jack Barry\* |  |
| P.J. Beltramini\* |  |
| Zahir Bhanji\*\*\* |  |
| Alexander Beoglin\*\* |  |
| Jon Bourgault\*\* |  |
| J.J. Bowman\* |  |
| Paul Boyne\*\* |  |
| James Brandell\* |  |
| Ian B. Brodie\*\* |  |
| Ted Bruntrager\* | Chief Compliance Officer & Chief Risk Officer |
| Grant Buchanan\*\*\* |  |
| Ginger Burns\*\* |  |
| Brendan Campbell\* |  |
| Yan Rong Cao\* |  |
| Rick A. Carlson\*\* |  |
| Patricia Rosch Carrington\*\* |  |
| Alex Catterick\*\*\*\* |  |
| Ken K. Cha\* |  |
| Diana Chan\*\*\* | Head of Treasury Operations |
| 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\* |  |
| Frederick D Deminico\*\* |  |
| Susan P Dikramanjian\*\* |  |
| William D Droege\*\* |  |
| Jeffrey Duckworth\*\* |  |

---

------

---

| | |
|:---|:---|
| **Name and Principal Business Address** | **Position with Depositor** |
| Marc Feliciano\*\* |  |
| Katie M. Firth\*\* |  |
| Lauren Marx Fleming\*\* |  |
| Philip J. Fontana\*\* |  |
| Laura Foster\*\*\* |  |
| Matthew Gabriel\* |  |
| Paul Gallagher\*\* |  |
| Melissa Gamble\*\* |  |
| Scott B. Garfield\*\* |  |
| Marco Giacomelli\*\*\* |  |
| Jeffrey N. Given\*\* |  |
| Thomas C. Goggins\*\* |  |
| Howard C. Greene\*\* |  |
| Erik Gustafson\*\* |  |
| Neal Halder\* |  |
| Ryan M Hanna\*\*\* |  |
| Richard Harris\*\*\* | Appointed Actuary |
| Jessica Harrison\*\*\* |  |
| John Hatch\* | Chief Operations Officer – US Segment |
| Justin Helferich\*\*\* |  |
| Michael Hession\* |  |
| Philip Huvos\* |  |
| Sesh Iyengar\*\* |  |
| Gillian Kelley\* |  |
| Geoffrey Grant Kelley\*\* |  |
| Recep C. Kendircioglu\*\* |  |
| Neal P. Kerins\* |  |
| Brian J Kernohan\*\*\* |  |
| Michael P King\*\*\* |  |
| Heidi Knapp\*\* |  |
| Hung Ko\*\*\* |  |
| Robert Krempus\*\*\* |  |
| Diane R. Landers\*\* |  |
| Michael Landolfi\*\* |  |
| Tracy Lannigan\*\* | Counsel and Corporate Secretary |
| Peter Lathrop\* |  |
| Jessica Lee\*\*\* |  |
| Eric Lippart\*\*\* |  |
| Hua Liu\*\*\* |  |
| Scott Lively\*\* |  |
| David Loh\*\*\* |  |
| Jennifer Lundmark\* |  |
| Patrick MacDonnell\*\* |  |
| Shawn McCarthy\*\* |  |
| Andrew J. McFetridge\*\* |  |
| Jonathan McGee\*\* |  |
| Katie L. McKay\*\* |  |
| Eric S. Menzer\*\* |  |
| Stella Mink\*\*\* |  |
| Michelle Morey\* |  |
| Catherine Murphy\* | Deputy Appointed Actuary |
| Richard Myrus\*\* |  |
| Lisa Natalicchio\* |  |
| Jeffrey H. Nataupsky\*\* |  |
| Scott Navin\*\* |  |
| Jeffrey Packard\*\* |  |
| Pragya Pandit\* |  |
| Onay Payne\*\*\* |  |

---

------

---

| | |
|:---|:---|
| **Name and Principal Business Address** | **Position with Depositor** |
| Gary M. Pelletier\*\* |  |
| David Pemstein\*\* |  |
| Joanne Pietrini Smith\* |  |
| Jessica Portelance\*\*\* |  |
| Jason M. Pratt\*\* |  |
| Peta-Gaye M Prinn\*\* |  |
| Ed Rapp\*\* |  |
| Todd Renneker\*\* |  |
| Chet Ritchie\* |  |
| Emily Roland\*\* |  |
| Josephine M. Rollka\* |  |
| Timothy A Roseen\*\* |  |
| Barbara H. Rosen-Campbell\*\* |  |
| Caryn Rothman\*\* |  |
| Devon Russell\* |  |
| Ryan Sample\*\* |  |
| Sandy Sanders\*\* |  |
| Jeffrey R. Santerre\*\* |  |
| Marcia Schow\*\* |  |
| Christopher L. Sechler\*\* |  |
| Garima Vijay Sharma\*\*\* |  |
| Estelle Shaw-Latimer\*\*\* |  |
| Thomas Shea\*\* |  |
| Lisa Shepard\*\* |  |
| Alex Silva\* | Chief Financial Officer |
| Susan Simi\*\* |  |
| Brittany Straughn\* |  |
| Katherine Sullivan\*\* |  |
| Trevor Swanberg\*\* |  |
| Robert E. Sykes, Jr.\*\* |  |
| Wilfred Talbot\* |  |
| Gary Tankersley\* |  |
| Michelle Taylor-Jones\* |  |
| Brian E. Torrisi\*\* |  |
| Gina Goldych Walters\*\* |  |
| Adam Weigold\*\* |  |
| Jonathan T. White\*\* |  |
| Charles J. Wiegersma\* |  |
| Bryan Wilhelm\* |  |
| Karin Wilsey\*\* |  |
| Adam Wise\*\* |  |
| Jeffrey Wolfe\*\* |  |
| 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* 

*\*\*\*\*Principal Business Office is 250 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.

------

![](g19044orgchart_11.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 |
| Gary Tankersley\* | Director, Chair, President and Chief Executive Officer |
| Alex Silva\* | Director |
| Christopher Walker\*\*\* | Director, Vice President, Investments |
| Tracy Lannigan\*\* | Vice President, Corporate Secretary |

---

*\*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* 

------

&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.

------

**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 21st day of July, 2025.

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

(Registrant)

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

By: \*____________________

Brooks Tingle

Chair, President, and Chief Executive Officer

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

(Depositor)

By: \*____________________

Brooks Tingle

Chair, President, and Chief 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 21st day of July, 2025.

---

| | |
|:---|:---|
| **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 E. 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*

------

## Ex-99.(30)(D)(1)

---

| | |
|:---|:---|
| ![LOGO](g45824g05a01.jpg) | John Hancock Life Insurance Company (U.S.A.)<br> A Stock Company |

---

---

| | |
|:---|:---|
| **LIFE INSURED** | [John J. Doe] |
| **POLICY NUMBER** | [12 345 678] |
| **PLAN NAME** | [Majestic VUL] |

---

**FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE POLICY WITH INDEXED ACCOUNT OPTIONS** 

ADJUSTABLE DEATH BENEFIT

INDEXED ACCOUNT OPTIONS (INDEX-LINKED INTEREST OPTIONS)

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)

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.

**Any long-term care benefits elected with this policy may impact the cash value as well as lessen the death benefit of this policy.** 

**Net Premiums are added to the Policy Value. You may allocate them to one or more of the Investment Accounts, the Indexed 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.** 

**While the portion of the Policy Value in the Indexed Accounts may be affected by an external index or indices, the Indexed Accounts do not participate in any stock or equity investment. The elements and the method used to calculate any Index Segment Interest Credit for each Indexed Account are shown in Section 1.** 

**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.** 

**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 within TWENTY days after receiving it by delivering or mailing it to us or to the agent who sold it. We will refund in full the payment made. The policy will be void from the beginning.** 

Signed for the Company by:

---

| | |
|:---|:---|
| ![LOGO](g45824g05a02.jpg) <br>| ![LOGO](g45824g05a03.jpg) <br>|

---

25MAJVUL ND

------

**POLICY PROVISIONS** 

**Section** 

1. POLICY SPECIFICATIONS

2. TABLES OF RATES

3. DEFINITIONS

4. INSURANCE BENEFIT

5. TOTAL FACE AMOUNT

6. PREMIUMS

7. POLICY VALUE

8. LOAN ACCOUNT, FIXED ACCOUNT, INDEX APPRECIATION ACCOUNT, AND INVESTMENT ACCOUNTS

9. SEPARATE ACCOUNT AND SUBACCOUNTS

10. ALLOCATIONS AND TRANSFERS

11. LOANS

12. SURRENDERS AND WITHDRAWALS

13. NO-LAPSE GUARANTEE

14. GRACE PERIOD

15. POLICY TERMINATION

16. REINSTATEMENT

17. COVERAGE AT AND AFTER AGE 121

18. OWNER AND BENEFICIARY

19. ASSIGNMENT

20. MISSTATEMENTS

21. SUICIDE

22. INCONTESTABILITY

23. THE CONTRACT

24. RIGHT TO POSTPONE PAYMENT OF BENEFITS

25. CLAIMS OF CREDITORS

26. REPORTS TO OWNER

27. HOW VALUES ARE COMPUTED

28. QUALIFICATION AS LIFE INSURANCE

29. INTEREST ON PROCEEDS

25MAJVUL 2 ND

------

**3. 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.

**Adjusted Segment Crediting Balance** means a reference value that is maintained for each Segment of an Indexed Account and is used in the determination of the Index Segment Interest Credit. On the Segment Maturity Date, the Adjusted Segment Crediting Balance is equal to the Initial Segment Balance; less amounts deducted from the Indexed Account during the Segment Term for all Monthly Deductions, withdrawals, deductions due to accelerated death benefit payments under a supplementary benefit rider, and deductions for Surrender Charges incurred; plus any credits under the policy or a supplementary benefit rider allocated to the Indexed Account during the Segment Term. For purposes of this calculation, each deduction and addition is first multiplied by the ratio of the number of complete months remaining in the Segment Term after the date of the deduction and addition divided by the number of months in the entire Segment Term.

**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.

**Closing Value** means a value of the Index at the end of a Business Day. If the date prior to a Segment Initiation Date or a Segment Maturity Date is not a Business Day, the Closing Value will be the value of the Index on the close of the previous Business Day.

**Date** means a calendar day ending at midnight local time at our Service Office.

**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.

**Holding Segment** means a portion of an Indexed Account which holds amounts allocated to that Indexed Account until the amounts are designated to the Segments. Amounts allocated to a Holding Segment receive interest in the same manner and at the same rate as amounts in the Fixed Account.

**Index** means the external index for each Indexed Account as shown in Section 1.

**Indexed Account** means one of the accounts included within the Index Appreciation Account. Each Indexed Account is composed of one or more Segments and its Holding Segment. New Segments are created on a Segment Initiation Date, and mature at the end of the Segment Term, on the Segment Maturity Date. Indexed Accounts are shown in Section 1.

**Index Appreciation Account** means the portion of the Policy Value consisting of the sum of values in the Indexed Accounts.

**Index Change** means the percentage change in the value of the Index over the Segment Term. It is equal to (b) minus (a), the result divided by (a), expressed as a percentage, where:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) is the Closing Value of the Index on the Business Day prior to the Segment Initiation Date; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) is the Closing Value of the Index on a Segment Maturity Date.

**Index Loan Principal** means the lien against the Index Appreciation Account due to a policy loan.

25MAJVUL 3 ND

------

**3. DEFINITIONS (continued)** 

**Index Segment Interest Credit** means any interest that will be credited to the Segment Balance on the Segment Maturity Date. See Section 1 and Section 8 for details.

**Initial Segment Balance** means the Segment Balance on a Segment Initiation Date as described in Section 8.

**In Force** means that the policy has taken effect as described in Section 6 and has not terminated in accordance with Sections 13, 14, or 15, 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. Issue Date is also used to determine the Allocation Date shown in Section 1.

**Loan Account** means that part of the Policy Value reflecting amounts transferred from the Fixed Account, the Indexed Accounts, or the Investment Accounts as collateral for a policy loan.

**Lock In Date** means the date before which any new premium and Written Requests for allocation or transfer to the Index Appreciation Account must be received by us in order to be included in the determination of an Initial Segment Balance for a new Segment. The Lock In Date is shown in Section 1.

**Lock Out Period** means a period during which a restriction is imposed upon the creation of new Segments as described in Section 12. The Lock Out Period commences on the date of a withdrawal, that is not a Systematic Withdrawal, from a Segment of any Indexed Account prior to the Segment Maturity Date. The duration of the Lock Out Period is as shown in Section 1.

**Minimum Initial Premium** means the minimum premium needed to put the policy In Force as described in Section 6. When the Issue Date is on or before the Policy Date the Minimum Initial Premium is 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 Policy Debt.

**Net Premium** means the gross premium paid less any Premium Charge.

**Participation Rate** means a rate used in calculating any Index Segment Interest Credit for an applicable Indexed Account. We will set the Participation Rate for a new Segment no later than three Business Days before the Segment Initiation Date. Once set by us, the Participation Rate for a Segment will not change during the Segment Term for the Segment to which it applies. The Participation Rate will never be less than the Minimum Participation Rate shown in Section 1.

**Planned Premium** means the premium that is selected in the application for the policy, which is intended to be paid on a regular modal basis. It is shown in Section 1.

**Policy Date** means the date from which charges for the first Monthly Deductions are calculated. The Policy Date is shown in Section 1. Policy Years, Policy Months, and Policy Anniversaries are determined from the Policy Date.

**Policy Debt** as of any date equals (a) plus (b) plus (c), minus (d), where:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) is the total amount of loans borrowed as of such date;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) is the total amount of any unpaid loan interest charges borrowed against the policy on a Policy Anniversary;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) is any interest charges accrued from the prior Policy Anniversary to the current date; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) is the total amount of loan repayments as of such date.

**Policy Value** means the sum of the values in the Loan Account, the Investment Accounts, the Index Appreciation Account, and the Fixed Account.

25MAJVUL 4 ND

------

**3. DEFINITIONS (continued)** 

**Policy Year** means (a) or (b) below, whichever is applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The first Policy Year is the period beginning on the Policy Date and ending on the Business Day immediately
preceding the first Annual Processing Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Each subsequent Policy Year is the period beginning on an Annual Processing Date and ending on the Business 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.

**Segment** means a portion of an Indexed Account with a unique Segment Term.

**Segment Balance** means the portion of Policy Value in a particular Segment on a given date as described in Section 8.

**Segment Cap Rate** means a rate used in calculating any Index Segment Interest Credit for an applicable Indexed Account. We will set the Segment Cap Rate for a new Segment no later than three Business Days before the Segment Initiation Date. Once set by us, the Segment Cap Rate for a Segment will not change during the Segment Term for the Segment to which it applies. The Segment Cap Rate will never be less than the Segment Minimum Cap Rate shown in Section 1.

**Segment Floor Rate** means the minimum rate used in calculating any Index Segment Interest Credit. The Segment Floor Rate for each Indexed Account is shown in Section 1.

**Segment Growth Rate** means the rate of interest applied in the formula shown in Section 1, to calculate the applicable Index Segment Interest Credit.

**Segment Initiation Date** means the first day of a Segment Term. The Segment Initiation Date for each Indexed Account is shown in Section 1.

**Segment Maturity Date** means the last day of a Segment Term. The Segment Proceeds are computed on the Segment Maturity Date.

**Segment Proceeds** means for each Segment, the Segment Balance at the end of the day on the Segment Maturity Date plus any Index Segment Interest Credit.

**Segment Term** means the period of time a Segment exists from the Segment Initiation Date to the Segment Maturity Date. The Segment Term for each Indexed Account is shown in Section 1.

**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.

**Service Office** means the office that we designate to service this policy as shown on the back cover of your policy.

**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.

**Systematic Withdrawal** means one of a series of periodic withdrawals prescheduled with a defined start date, and either a defined end date or continuation until Written Request is given to terminate the schedule. If a scheduled Systematic Withdrawal is canceled after the schedule has begun, then any remaining withdrawals scheduled will also be canceled.

25MAJVUL 5 ND

------

**3. DEFINITIONS (continued)** 

**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.

**Insurance Benefit** 

The Insurance Benefit payable is the greater of (a) or (b), where:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) is the Minimum Death Benefit as described below minus any outstanding Policy Debt, both at the date of death of
the Life Insured; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) is an amount equal to (i) plus (ii) minus (iii), where:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) is the Death Benefit as described below;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) is any death benefit payable under any supplementary benefit riders that have a cost of insurance charge that
form part of the policy;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) is any outstanding Policy Debt at the date of death of the Life Insured.

No amount of Index Segment Interest Credit will be credited if the Life Insured dies prior to a Segment Maturity Date.

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 14.

**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 Total Face Amount at the date of death of the Life Insured. Under Death Benefit Option 2, the Death Benefit is equal to the Total 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the Face Amount if Death Benefit Option 1 is in effect; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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 Total Face Amount after the change will be equal to the Total Face Amount immediately before the change plus the Policy Value as of the effective date of the change. Any increase to the Total Face Amount is effectuated by adding additional Supplemental Face Amount coverage to the policy. Upon completion of your request, you will receive a policy amendment reflecting the requested change. You may not change your Death Benefit Option from Death Benefit Option 1 to Death Benefit Option 2 at any time.

25MAJVUL 6 ND

------

**4. INSURANCE BENEFIT (continued)** 

**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. If you elect the Cash Value Accumulation Test as the Life Insurance Qualification Test, 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) distribute to you a portion of the Policy Value such that the Net Amount at Risk associated with the resulting
Minimum Death Benefit does not exceed our guidelines and limitations in effect; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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 Evidence of Insurability.

**5. TOTAL FACE AMOUNT** 

The Total Face Amount is made up of two components: (i) the Base Face Amount, and (ii) any Supplemental Face Amount. The Minimum Base Face Amount and the Minimum Total Face Amount limits are shown in Section 1. The Base Face Amount at Issue, the Supplemental Face Amount at Issue and the Total Face Amount at Issue are shown in Section 1.

Any scheduled increases in Supplemental Face Amount are elected on the application and if approved, these amounts, when they are to become effective and the Maximum Increasing Supplemental Face Amount will be shown in Section 1. If you later request to cancel a scheduled increase, or request a reduction in your Supplemental Face Amount, that request will be honored but all scheduled increases for subsequent policy years will cease. You may not increase your Base Face Amount under this policy.

**Unscheduled Increases in Supplemental Face Amount** 

After the first Policy Year, while the Life Insured is alive and the policy is In Force, unscheduled increases to the Supplemental Face Amount may be requested in writing. We reserve the right to limit the maximum and minimum amount of such increases. The increases are subject to our approval in accordance with our normal underwriting practices, including Evidence of Insurability. Any increase will be effective on the next Annual Processing Date after our approval, at which time we may require a premium payment for the increase. Any increase to the Supplemental Face Amount will increase your Supplemental Face Amount Charge, if the Supplemental Face Amount following the increase is greater than the Supplemental Face Amount at Issue. It may be necessary for you to request an increase in your planned premium in order to pay for the increase in Supplemental Face Amount. If there is any remaining No-Lapse Guarantee Period for the Base Face Amount, it will be reduced to correspond to the remaining No-Lapse Guarantee Period for the Supplemental Face Amount.

**Reduction of Total Face Amount** 

You may request a reduction in Total Face Amount any time after the first Policy Year while this policy is In Force. Any reduction in the Total Face Amount will be effective on the next Processing Date following the date we approve the request for the reduction. Upon completion of your request, you will receive a policy amendment reflecting the requested change.

25MAJVUL 7 ND

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**5. TOTAL FACE AMOUNT (continued)** 

The Minimum Total Face Amount Decrease is shown in Section 1. Any reduction in the Total Face Amount generally will be implemented by first reducing any Supplemental Face Amount, although we reserve the right to allow a reduction in Base Face Amount first. Without our prior approval, the Base Face Amount cannot be reduced below the minimum as shown in Section 1. A reduction in Base Face Amount will not reduce your Base Face Amount Charge as described in Section 1. If you reduce your Supplemental Face Amount to an amount that is greater than or equal to the Supplemental Face Amount at Issue, then we will also reduce your Supplemental Face Amount Charge . However, any amount of reduction below the Supplemental Face Amount at Issue will not reduce your Supplemental Face Amount Charge, as described in Section 1.

**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, subject to the limitations of the life insurance qualification test elected by you and to our maximum limits then in effect, unless one of the following exceptions applies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) We will process a payment received prior to the Policy Date as if received on the Policy Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) We will process the portion of any premium payment for which we require Evidence of Insurability on the first
Business Day after we have received such evidence and found it satisfactory.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) If our receipt of any premium payment (or portion thereof) would cause the policy not to qualify as a
"life insurance contract" under federal income tax laws, we will not process such payment (or portion thereof).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) If our receipt of any premium payment (or portion thereof) would cause the policy to be treated as a Modified
Endowment Contract under federal income tax laws, we will process the payment (or 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 Total 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 Total Face Amount.

**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 No-Lapse Guarantee, Grace Period, and Policy Termination provisions in Sections 13, 14, and 15.

**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.

25MAJVUL 8 ND

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**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, the Index Appreciation Account, and the Investment Accounts. Descriptions of the Loan Account, Fixed Account, Index Appreciation Account, and Investment Accounts can be found in Section 8.

**Net Premiums Added** 

When we receive your premium payments at our Service Office, we deduct a Premium Charge that will not exceed the percentage shown in Section 1 and then add the balance remaining (the Net Premium) to the Policy Value. We will do this before we take any other deductions due on that day. We will add any Net Premiums received before the Policy Date to the 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 Section 10.

While a loan exists, we will treat the amounts you pay as premiums unless you submit to us a Written Request that they be treated as loan repayments.

**Monthly Deductions** 

A Monthly Deduction is due and will be taken from the 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 Policy Date. If, at your request, we set the Policy Date to a date that precedes the date on which we receive the premium at least equal to the Minimum Initial Premium, Monthly Deductions due for the period prior to receipt of the Minimum Initial Premium will be taken on the later of the date we receive the Minimum Initial Premium and the policy Issue Date.

Unless we agree otherwise, or you do not have sufficient funds in the Fixed Account, the Indexed Accounts, or the Investment Accounts, we will take Monthly Deductions from the Fixed Account, the Indexed Accounts, and the Investment Accounts in the same proportion that the Policy Value in each of these accounts bears to the Policy Value net of the Loan Account immediately prior to the deduction. For the portion deducted from each Indexed Account, we will take that part of the Monthly Deduction from a Segment of the Indexed Account and amounts in a Holding Segment in the same proportion those Segments and Holding Segments bear to the total portion of the Policy Value in the Indexed Account 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 17.

The Monthly Deduction for any Policy Month that will be deducted from the Policy Value consist of charges (a) through (g) listed below, where:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) is the Base Face Amount Charge, if any;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) is the Supplemental Face Amount Charge, if any;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) is the Administrative Charge;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) is the Indexed Performance Charge, if applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) is the Advance Contribution Charge, if applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) is the sum of the charges for any supplementary benefit riders that do not have a Cost of Insurance Charge; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) is the Cost of Insurance Charge.

**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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) is the sum of the premiums paid to date; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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.

25MAJVUL 9 ND

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**7. POLICY VALUE (continued)** 

**Cost of Insurance Charge** 

The 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. The current Cost of Insurance Rate includes the current cost of insurance rate for any supplementary benefit rider that has a cost of insurance charge.

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.

**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.

**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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) is the Policy Value;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) is the Total Face Amount plus any death benefit payable under any supplementary benefit riders that have a cost
of insurance charge, with the result divided by the Death Benefit Discount Factor shown in Section 1, plus the Policy Value if Death Benefit Option 2 is in effect; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) is the Minimum Death Benefit as defined in Section 4.

The values used to calculate the Net Amount at Risk, including the values used to determine the Minimum Death Benefit, are determined on the Processing Date after any Net Premium is applied and Monthly Deductions other than the Cost of Insurance Charge are taken.

**Other Deductions** 

We will deduct a Surrender Charge, as described in Section 12, if during the Surrender Charge Period:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) you surrender this policy for its Net Cash Surrender Value; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) you do not pay the Default Payment, described in Section 14, and your policy terminates.

**Asset Credit** 

On each Processing Date beginning in the Asset Credit Commencement Year, we will apply an Asset Credit to the Fixed Account, Investment Accounts, and Indexed Accounts in the same manner as we take monthly deductions from these accounts. The Asset Credit Commencement Year and Asset Credit Rate are shown in Section 1.

The Asset Credit is equal to the Asset Credit Rate times the portion of the Policy Value in the Investment Accounts.

For purposes of calculating the Asset Credit, the portion of the Policy Value in the Investment Accounts is determined on the Processing Date before any Monthly Deductions are taken on that date.

25MAJVUL 10 ND

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**8. LOAN ACCOUNT, FIXED ACCOUNT, INDEX APPRECIATION ACCOUNT, AND INVESTMENT ACCOUNTS** 

The Policy Value equals the sum of the values in the Loan Account, the Fixed Account, the Index Appreciation Account, and the Investment Accounts, as described below.

**Loan Account Value** 

The Loan Account reflects amounts transferred from the Fixed Account, the Index Appreciation Account, or the Investment Accounts as collateral for all or a portion of the Policy Debt as described in Section 11.

The amount you have in the Loan Account at any time equals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) amounts transferred to it from the Fixed Account, an Investment Account, or Holding Segment of an Indexed
Account for loans or borrowed loan interest; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the portion of Segment Proceeds reallocated to it; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) interest credited to it; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) amounts transferred from it to the Fixed Account, an Indexed Account, or an Investment Account for loan
repayments.

For details regarding the loan processing, see Section 11.

**Fixed Account Value** 

The Fixed Account is that part of the Policy Value, not in the Index Appreciation Account, 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the portion of Net Premiums allocated to it; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) amounts transferred to it from the Loan Account, an Indexed Account, or an Investment Account; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) amounts directed to it due to a cancellation of an allocation to an Indexed Account as described in
Section 10; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) interest credited to it; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) the portion of Segment Proceeds allocated to it; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) the portion of any Asset Credit allocated to it; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) the portion of Monthly Deductions subtracted from it; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) amounts transferred from it to the Loan Account, an Indexed Account, or an Investment Account; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the portion of any withdrawals subtracted from it.

**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.

**Index Appreciation Account Value** 

The amount you have in the Index Appreciation Account at any time equals the sum of the Policy Value allocated to the Indexed Accounts shown in Section 1. Each Indexed Account is composed of one or more Segments and its Holding Segment. The Maximum Number of Segments applicable to an Indexed Account at one time is shown in Section 1. Amounts in a Holding Segment receive interest in the same manner and at the same rate as amounts in the Fixed Account, as described above in Fixed Account Value.

Each Individual Segment exists for a specified period of time, known as the Segment Term, and then ceases on the Segment Maturity Date.

25MAJVUL 11 ND

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**8. LOAN ACCOUNT, FIXED ACCOUNT, INDEX APPRECIATION ACCOUNT, AND INVESTMENT ACCOUNTS (continued)** 

**Indexed Accounts** 

The portion of the Policy Value in an Indexed Account at any time equals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the portion of Net Premiums allocated to it; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) amounts transferred to it from the Loan Account, the Fixed Account, or an Investment Account; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the portion of Segment Proceeds allocated to it from another Indexed Account; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) the portion of any Asset Credit allocated to it; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) any Index Segment Interest Credits added to it; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) interest credited to amounts in a Holding Segment; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) the portion of Monthly Deductions subtracted from it; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) the portion of Segment Proceeds reallocated from it to the Fixed Account, Investment Accounts, Loan Account, or
another Indexed Account; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the amounts directed from it to the Fixed Account due to a cancellation, as described in Section 10; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(j) the portion of any withdrawals deducted from it; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(k) amounts transferred from it to the Loan Account.

**Initial Segment Balance** 

Segments for an Indexed Account are created on a Segment Initiation Date as shown in Section 1. The Initial Segment Balance for each new Segment of an Indexed Account is equal to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the amounts in a Holding Segment on the Lock In Date, along with any interest credited to that amount; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the portion of Monthly Deductions subtracted from (a) after the Lock In Date; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the portion of any withdrawals deducted from (a) after the Lock In Date; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) the portion of any Segment Proceeds allocated to that Indexed Account from maturing Segments; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) the portion of any Asset Credit allocated to (a) after the Lock In Date.

**Segment Balance** 

The portion of the Policy Value in an individual Segment at any time on or after the Segment Initiation Date through the Segment Maturity Date equals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the Initial Segment Balance; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the portion of any Asset Credit added to it; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the portion of Monthly Deductions subtracted from it; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) the portion of any withdrawals deducted from it.

**Index Segment Interest Credit** 

The portion of the Policy Value in an Indexed Account may increase on a Segment Maturity Date by the Index Segment Interest Credit. On the Segment Maturity Date, including during a Grace Period, the Index Segment Interest Credit is calculated using the formula for the applicable Indexed Account as shown in Section 1. No Index Segment Interest Credit will be credited if a Policy Termination, as described in Section 15, occurs prior to the end of a Segment Term.

Although no Index Segment Interest Credit is applied until the Segment Maturity Date, the Company maintains a balance for each Segment to record the amount estimated to pay an Index Segment Interest Credit on the next following Segment Maturity Date for that Segment. This balance is a reference value only and is not used in determining the actual Policy Value, Cash Surrender Value, or Insurance Benefit provided by this policy.

**Segment Proceeds** 

The Index Segment Interest Credit, and the Segment Balance are added together to form the Segment Proceeds. The Segment Proceeds, after deducting any loan transfers made pursuant to Section 11, are then allocated according to your instructions, subject to the restrictions described in Section 10. If no allocation instructions are given, Segment Proceeds are allocated to a new Segment in the same Indexed Account.

25MAJVUL 12 ND

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**8. LOAN ACCOUNT, FIXED ACCOUNT, INDEX APPRECIATION ACCOUNT, AND INVESTMENT ACCOUNTS (continued)** 

**Investment Account Value** 

The amount you have in an Investment Account at any time equals the number of units in that Investment Account multiplied by the unit value of the corresponding Subaccount at that time.

The number of units in an Investment Account at any time equals (a) minus (b), where:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) is the number of units credited to the Investment Account because of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the portion of Net Premiums allocated to it; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) amounts transferred to it from the Loan Account, the Fixed Account, an Indexed Account, or another Investment
Account; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) the portion of Segment Proceeds allocated to it; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) the portion of any Asset Credit allocated to it; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) is the number of units canceled from the Investment Account because of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the portion of Monthly Deductions subtracted from it;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) the portion of any withdrawals deducted from it; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) amounts transferred from it to the Loan Account, the Fixed Account, an Indexed Account, or another Investment
Account.

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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) To take any action necessary to comply with or obtain and continue any exemptions from the Investment Company
Act of 1940.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) To transfer any assets in a Subaccount to another Subaccount, or to add, combine or remove Subaccounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) To make any other necessary technical changes in this policy in order to conform with any action this provision
permits us to take.

25MAJVUL 13 ND

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**9. SEPARATE ACCOUNT AND SUBACCOUNTS (continued)** 

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 In Force, you may elect a transfer to the Fixed Account as described in Section 10.

**Unit Value Calculation** 

We will determine the unit values for each Subaccount as of the end of each Business Day.

For any Business Day, the unit value for a Subaccount is determined by multiplying the unit value for the 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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.

**10. ALLOCATIONS AND TRANSFERS** 

**Allocation Instructions** 

Allocation instructions are your instructions for how amounts should be allocated among the Fixed Account, the Indexed Accounts, and the Investment Accounts.

Both Net Premium and Segment Proceeds allocation instructions, as applicable, 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, an Investment Account, or an Indexed Account.

You may elect to change your allocation instructions for future premium payments and maturing Segment Proceeds 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 Allocations** 

We 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, Indexed Accounts, and any Investment Accounts in accordance with the allocation instructions then in effect.

Net Premiums allocated to an Indexed Account prior to a Lock In Date will be included in the Initial Segment Balance for a new Segment at that Segment Initiation Date. Net Premiums allocated to an Indexed Account after a Lock In Date will be included in an Initial Segment Balance for a new Segment on the next following Segment Initiation Date. Net Premium allocation instructions are subject to a Lock Out Period following a withdrawal from a Segment as described in Section 12.

**Segment Proceeds Allocations** 

On a Segment Maturity Date, Segment Proceeds are allocated to the Fixed Account, Indexed Accounts, or Investment Accounts in accordance with the allocation instructions then in effect. Segment Proceeds allocation instructions received by us after a Lock In Date will only apply to Indexed Account Segments maturing on the next following Segment Maturity Date.

25MAJVUL 14 ND

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**10. ALLOCATIONS AND TRANSFERS (continued)** 

**Cancellation of an Allocation to an Indexed Account** 

You may cancel your allocation to an Indexed Account by submitting a Written Request no later than the Lock In Date. A cancellation will result in a reallocation of amounts from the Holding Segment to the Fixed Account.

**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 and from the Investment Accounts and the Fixed Account to the Indexed Accounts. 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the number of transfers made during a defined period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the dollar amount of transfers;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the method used to submit transfers; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) transfers into and out of certain Investment Accounts.

We or a Series Fund in which the Separate Account invests may impose limits on transfer amounts, or impose additional restrictions to limit or terminate transfer privileges, at any time.

**Restrictions on Transfers to the Fixed Account** 

You 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) occur within 18 months after the Issue Date, as shown in Section 1; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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.

**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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the Fixed Account Maximum Transfer Amount shown in Section 1; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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.

25MAJVUL 15 ND

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**10. ALLOCATIONS AND TRANSFERS (continued)** 

**Restrictions on Transfers to and out of the Indexed Accounts** 

Transfers from an Indexed Account to any other account can only be made on a Segment Maturity Date.

We reserve the right to impose additional allocation and transfer requirements which may include, but are not limited to, restricting:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the number and frequency of transfers;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the methods used to submit allocation and transfer instructions; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) allocations and transfers to the Indexed Accounts.

Transfers from the Investment Account and the Fixed Account to the Indexed Accounts can be made at any time in accordance with the provisions of Section 8 and the restrictions described in this section.

**Asset Allocation Balancer Transfers** 

If 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, the Indexed 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 24. Loans may not be made if the policy is in the Grace Period as described in Section 14.

**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 Cash Surrender Value as adjusted by the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) projecting the Available Loan Value at the Minimum Fixed Account Annual Rate from the date of the loan to the
following Policy Anniversary assuming no premiums and no withdrawals; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) the Available Loan Value is reduced by the Policy Debt; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) the Available Loan Value is reduced by loan interest in advance to the end of the current Policy 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 27, as of the end of the Business Day on which the loan application is received at our Service Office.

**Loan Options** 

When you request a policy loan, you may choose between a Standard Loan or an Index Loan; each of these loan options is described below. Only the Standard Loan option is available during the first Policy Year.

25MAJVUL 16 ND

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**11. LOANS (continued)** 

**Loan Interest Charged** 

Interest will accrue daily on Policy Debt at an effective rate equal to the Loan Interest Charged Annual Rate, as described below. This rate will apply to the portion of debt that is collateralized by the Loan Account and the portion collateralized by the Index Appreciation Account.

Loan interest is charged in arrears and is due on each Annual Processing Date, the effective date of a loan option change described below, 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 accrued loan interest will be borrowed against the policy (capitalized) as described below and added to the Policy Debt on the Annual Processing Date.

Loan interest will continue to be charged, as described in Section 17, when Monthly Deductions and premium payments cease when the Life Insured has reached Age 121.

**Loan Interest Charged Annual Rate** 

The Loan Interest Charged Annual Rate may differ depending on whether you choose the Standard Loan option or the Index Loan option.

If you choose the Standard Loan option, the Loan Interest Charged Annual Rate will equal the Standard Loan Interest Charged Annual Rate shown in Section 1.

If you choose the Index Loan option, the Loan Interest Charged Annual Rate is variable. We set this rate each year at your Policy Anniversary and it does not change during the Policy Year. It will not exceed the greater of (a) and (b), each as of the calendar month ending two months before the beginning of the month in which your Policy Anniversary falls, where:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) is the current rate of interest credited to the Fixed Account plus 1% per annum; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) is the Moody's Corporate Bond Yield Average-Monthly Average Corporates.

For example, when calculating the Loan Interest Charged Annual Rate for policies with April anniversaries, we will use January rates for the rates referenced in (a) and (b) above.

We will only adjust the Loan Interest Charged Annual Rate if the greater of (a) and (b) above is at least one-half of one percent greater or less than the rate we set for the previous Policy Year. Otherwise, we will leave the Loan Interest Charged Annual Rate unchanged. The Loan Interest Charged Annual Rate will never exceed the Maximum Index Loan Interest Charged Annual Rate shown in Section 1.

Moody's Corporate Bond Yield Average-Monthly Average Corporates referred to above is published in the United States by Moody's Investors Service, Inc. In the event it is no longer published, we will use a similar average published by another United States bond rating agency.

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 Account Interest Credited** 

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 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.

Subject 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 borrowed from the Fixed Account, we reserve the right, where permitted by state law, to require that premium payments be applied as loan repayments.

25MAJVUL 17 ND

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**11. LOANS (continued)** 

**Standard Loan Option** 

When you take a loan or when accrued interest is capitalized under the Standard Loan Option, we will first 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 total Policy Value net of the Loan Account Value and net of the value in the Index Appreciation Account. 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 Investment Accounts is insufficient to complete this transfer, we will next transfer, to the extent possible, an amount equal to the remaining transfer from any Holding Segment to the Loan Account. If there is insufficient Policy Value in the Holding Segments to complete this transfer, we will then increase the balance of the Index Loan Principal by the remaining amount. If such increase in the Index Loan Principal would cause its balance to exceed the Policy Value in the Index Appreciation Account, the policy will go into default as described in Section 14.

On each Processing Date and each Segment Maturity Date, when the Index Loan Principal is greater than zero, we will reduce the Index Loan Principal to the extent possible by transferring to the Loan Account an amount up to the Index Loan Principal. The transfer amount will be taken from the following accounts in the order described below until the Index Loan Principal is reduced to zero:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) any Policy Value in the Fixed Account and Investment Accounts on a pro-rata basis; then

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) any Policy Value in a Holding Segment; then

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) any Segment Proceeds.

After the transfer, any remaining Segment Proceeds are then allocated according to your Segment Proceeds allocation instructions.

When you make a loan repayment, we will first capitalize the loan interest. The loan repayment will first be applied to reduce the Index Loan Principal. If any loan repayment remains, it will be applied to the Policy Value by transferring amounts from the Loan Account as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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.

**Index Loan Option** 

When you take a loan or when accrued interest is capitalized under the Index Loan option, we will collateralize the loan or accrued loan interest by increasing the Index Loan Principal or transferring amounts from the Fixed Account and Investment Accounts to the Loan Account. If you take a loan, the amount that is collateralized is equal to the loan amount. If accrued interest is capitalized, the amount that is collateralized is equal to the amount of capitalized loan interest minus the cumulative amount of Loan Account Interest Credited since the date loan interest was last capitalized or the Policy Date if none. To collateralize the loan or accrued loan interest, we will first increase the Index Loan Principal by the amount that is collateralized, to the extent possible such that the Index Loan Principal does not exceed the Index Appreciation Account value. If the Index Loan Principal cannot be increased by the full amount that is collateralized, we then transfer any remaining amount from the Fixed Account and Investment Accounts to the Loan Account, in the same proportion that the Policy Value in each of these accounts bears to the total Policy Value net of the Loan Account Value and net of the value in the Index Appreciation Account.

25MAJVUL 18 ND

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**11. LOANS (continued)** 

When you make a loan repayment under the Index Loan option, we first transfer, to the extent possible, an amount equal to the loan repayment from the Loan Account as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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.

If the value in the Loan Account is insufficient to complete this transfer, we will then reduce the Index Loan Principal, to the extent possible, by any remaining amount.

**Loan Option Change** 

Your choice of loan option stays in effect for as long as any Policy Debt remains, unless we receive your Written Request for a loan option change. A loan option change may only be requested once in each Policy Year. A loan option change takes effect on the Policy Anniversary following your Written Request.

**Index Loan Option to Standard Loan Option** 

In the case of a loan option change from the Index Loan option to the Standard Loan option, we will first transfer an amount up to the Index Loan Principal 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 total Policy Value net of the Loan Account Value and net of the value in the Index Appreciation Account, and reduce the Index Loan Principal by the amount of the transfer. If there is any remaining Index Loan Principal, we will transfer an amount up to the Index Loan Principal from any Holding Segments to the Loan Account and reduce the Index Loan Principal by the amount of the transfer.

If there is any remaining Index Loan Principal, then on each Processing Date, on the date of any premium payment and each Segment Maturity Date, subsequent to this loan option change, we will transfer an amount up to the remaining Index Loan Principal from the Fixed Account, Investment Accounts, any Holding Segments, and any Segment Proceeds to the Loan Account and reduce the Index Loan Principal by the amount of the transfer. Any remaining Segment Proceeds are then allocated according to your instructions.

**Standard Loan Option to Index Loan Option** 

In the case of a loan option change from the Standard Loan option to the Index Loan option, we will transfer the balance of the Loan Account to the Holding Segment of the Base Capped Indexed Account and increase the Index Loan Principal by the amount of the transfer.

**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. When a withdrawal is taken, we will withdraw amounts from the following accounts in the order described below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) any Policy Value in the Fixed Account and the Investment Accounts on a pro-rata basis; then

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) any Policy Value in a Holding Segment; then

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) any Policy Value in the Segments of Indexed Accounts on a pro-rata basis.

25MAJVUL 19 ND

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**12. SURRENDERS AND WITHDRAWALS (continued)** 

Requested withdrawals are subject to the following conditions:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) without our approval, each withdrawal must be for at least the Minimum Withdrawal Amount shown in
Section 1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) we will reduce the amount of the withdrawal if the amount in all accounts is not sufficient to pay the
withdrawal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) we will reduce the amount of the withdrawal if it would otherwise cause the Base Face Amount to fall below the
Minimum Base Face Amount shown in Section 1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) on any date when there is a withdrawal from a Segment of any Indexed Account that is not a Systematic
Withdrawal prior to the Segment Maturity Date, a Lock Out Period will begin;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) if a Systematic Withdrawal is canceled at any time after the Systematic Withdrawal program has begun, the rest
of the scheduled withdrawals will also be canceled; subsequent Systematic Withdrawal programs are not allowed to be set up for a twelve-month period from the date of the cancellation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) Systematic Withdrawals must be set up at least thirty days before the withdrawals are scheduled to begin.

Withdrawals will reduce the amount of any Index Segment Interest Credit, as described in Section 8. If Death Benefit Option 1 is in effect at the time of the withdrawal, the Total 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 Total 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) is the Minimum Death Benefit;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) is the Total Face Amount plus any amount payable under a supplementary benefit rider as a result of the Life
Insured's death; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) is the applicable Minimum Death Benefit Factor for the Life Insured's Age as shown in the Table of Rates
in Section 2.

The reduction described above will first reduce any amount payable under a supplementary benefit rider as a result of the Life Insured's death. If any death benefit payable under a supplementary benefit rider is exhausted by the reduction, then we will reduce the Total Face Amount by any remaining reduction by first reducing any Supplemental Face Amount and then reducing the Base Face Amount. We reserve the right to allow a reduction in Base Face Amount prior to fully reducing any Supplemental Face Amount.

If Death Benefit Option 2 is in effect at the time of the withdrawal, the Policy Value will be reduced but the Total Face Amount will not be reduced.

Your Death Benefit will continue to be determined in accordance with Section 4, subject to this provision.

**Lock Out Period Restriction** 

On any date when there is a withdrawal (that is not a Systematic Withdrawal) from a Segment of any Indexed Account prior to the Segment Maturity Date, a Lock Out Period will be imposed upon the creation of new Segments. The duration of the Lock Out Period is specified in Section 1. During a Lock Out Period any portion of Policy Value in a Holding Segment, as well as any additional amounts allocated or transferred to an Indexed Account, will not be included in the Initial Segment Balance for any new Segments until the first Segment Initiation Date following the Lock Out Period.

25MAJVUL 20 ND

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**13. NO-LAPSE GUARANTEE** 

Your policy includes a No-Lapse Guarantee. The No-Lapse Guarantee Periods applicable to the Base Face Amount and to any Supplemental Face Amount are shown in Section 1. During the No-Lapse Guarantee Period, if the Net Cash Surrender Value falls to zero or below, any coverages subject to a No-Lapse Guarantee Period will not go into default provided the No-Lapse Guarantee Cumulative Premium Test is satisfied. However, this benefit will not prevent your policy from going into default if the Policy Debt is greater than zero and exceeds the Policy Value.

**No-Lapse Guarantee Cumulative Premium Test** 

During the No-Lapse Guarantee Period, the No-Lapse Guarantee Cumulative Premium Test will be performed on any Processing Date when your Net Cash Surrender Value is less than or equal to zero. Your policy will satisfy the test if the sum of the premiums received, less any Policy Debt, and less the sum of any withdrawals taken on or before the date of the test, is equal to or greater than the sum of the monthly No-Lapse Guarantee Premiums due from the Policy Date to the date of the test. The No-Lapse Guarantee Premium is shown as an annualized amount under Premiums at Issue in Section 1. The monthly No-Lapse Guarantee Premium is one twelfth of this annualized amount.

The No-Lapse Guarantee Premium may change if any of the following changes occur under your policy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) a supplementary benefit rider is added, terminated, or changed (including any change in its cost or the
expiration thereof);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the Death Benefit Option is changed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) a reduction in the Base Face Amount;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) an unscheduled decrease or increase in any Supplemental Face Amount; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) a change in the Life Insured's Risk Classification or, if applicable, Additional Rating.

We will inform you of any change to the No-Lapse Guarantee Premium. The revised No-Lapse Guarantee Premium will be effective from the date of the change. For the purpose of performing the No-Lapse Guarantee Cumulative Premium Test, any change to the No-Lapse Guarantee Premium will have no effect on the No-Lapse Guarantee Premiums due in prior months.

During the No-Lapse Guarantee Period, the Policy Value, Cash Surrender Value, and Net Cash Surrender Value will continue to be determined as described in Sections 7 and 12. On or after the expiration of the No-Lapse Guarantee Period, if the Net Cash Surrender Value is insufficient to keep the policy from going into default, an additional premium may be required to keep this policy In Force.

**14. GRACE PERIOD** 

**Default** 

Subject to the No-Lapse Guarantee feature of the policy, 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.

If the No-Lapse Guarantee Period for the Base Face Amount and Supplemental Face Amount, as shown in Section 1, are both in effect, the No-Lapse Guarantee Cumulative Premium Test has been satisfied, and the Policy Debt is less than the Policy Value, the Base Face Amount, any Supplemental Face Amount, and any supplementary benefit riders will remain In Force.

If the No-Lapse Guarantee Period for the Supplemental Face Amount is no longer in effect but the No-Lapse Guarantee Period for the Base Face Amount is still in effect, the No-Lapse Guarantee Cumulative Premium Test has been satisfied, and the Policy Debt is less than the Policy Value, the Base Face Amount and any supplementary benefit riders will remain in effect, but any Supplemental Face Amount will go into default. The amount required to maintain any Supplemental Face Amount is equal to the Default Payment, as described below. If a premium payment at least equal to the Default Payment is not received by the end of the Grace Period, then any Supplemental Face Amount will cease to be in effect and will be terminated from the policy.

25MAJVUL 21 ND

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**14. GRACE PERIOD (continued)** 

If the No-Lapse Guarantee Cumulative Premium Test has been met but the Policy Debt equals or exceeds the Policy Value, then the policy will go into default subject to the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) If the No-Lapse Guarantee Period for the Supplemental Face Amount is in
effect, the amount required to bring the policy out of default is equal to the Policy Value Default Payment, as described below. If a premium payment at least equal to the Policy Value Default Payment is not received by the end of the Grace Period,
the policy will terminate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) If the No-Lapse Guarantee Period for the Supplemental Face Amount is no
longer in effect but the No-Lapse Guarantee Period for the Base Face Amount is still in effect, the amount required to bring the Base Face Amount and any supplementary benefit riders out of default is equal to
the Policy Value Default Payment, as described below. However, the Policy Value Default Payment will not bring the Supplemental Face Amount out of default. The amount required to maintain any Supplemental Face Amount is the Default Payment, as
described below. If a premium payment at least equal to the Default Payment is not received by the end of the Grace Period, any Supplemental Face Amount will cease to be in effect and will be terminated from the policy. If a premium payment at least
equal to the Policy Value Default Payment is not received by the end of the Grace Period, the policy will terminate.

If the No-Lapse Guarantee Period for the Base Face Amount has expired, then the policy will go into default. The amount required to bring the policy out of default is equal to the Default Payment, as described below.

If the No-Lapse Guarantee Period for the Base Face Amount is in effect, but the No-Lapse Guarantee Cumulative Premium Test has not been satisfied, the policy will go into default. The amount required to bring the policy out of default is equal to the Default Payment. You may pay the shortfall, in lieu of the Default Payment. The shortfall, which is described below, is the amount needed to satisfy the No-Lapse Guarantee Cumulative Premium Test. If payment of this shortfall amount is made within the Grace Period, one of the following will apply:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) If the No-Lapse Guarantee Period for the Supplemental Face Amount is in
effect, the Base Face Amount, any Supplemental Face Amount, and any supplementary benefit riders will remain in effect.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) If the No-Lapse Guarantee Period for the Supplemental Face Amount is no
longer in effect but the No-Lapse Guarantee for the Base Face Amount is still in effect, the Base Face Amount and any supplementary benefit riders will remain in effect, but any Supplemental Face Amount will
terminate.

The shortfall will be equal to the greater of (a) or (b), plus (c); where:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) is the amount necessary to satisfy the No-Lapse Guarantee Cumulative
Premium Test as of the date of default;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) is the amount necessary for the Policy Value to equal or exceed the Policy Debt; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) is the No-Lapse Guarantee Premium for the next three Policy Months.

If a premium payment at least equal to the lesser of the Default Payment or the shortfall described above is not received 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. No Insurance Benefit under the policy or any supplementary benefit riders will be in effect after the policy terminates.

25MAJVUL 22 ND

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**14. GRACE PERIOD (continued)** 

**Grace Period Duration** 

We will allow 61 days from the date we will mail the notice the policy is in default for you to pay the amount required to bring the policy out of default, as described in this Section. This is known as the Grace Period. Any payment sent to us must be received by us within the Grace Period. We will send the 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.

When payment is received during the Grace Period, any Monthly Deductions that were due and unpaid during the Grace Period will be immediately deducted from the Net Premium before the remaining amount will be applied to the Policy Value.

If the Life Insured dies during the Grace Period, we will deduct from the Insurance Benefit all Monthly Deductions that were due and unpaid during the Grace Period as of the date of the Life Insured's death.

**Default Payment** 

The Default Payment means the amount necessary to bring the Net Cash Surrender Value to zero, if it is less than zero at the date of default, plus the amount necessary to keep the Net Cash Surrender Value above zero for the next three Policy Months.

**Policy Value Default Payment** 

The Policy Value Default Payment is equal to the amount necessary to bring the Net Policy Value to zero, if it is less than zero at the date of default, plus the amount necessary to keep the Net Policy Value above zero for the next three Policy Months.

The Default Payment may be insufficient to continue your policy for the next three Policy Months due to the investment experience of the Investment Accounts that you have chosen.

**15. POLICY TERMINATION** 

This policy terminates on the earliest of the following events:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the end of the Grace Period for which we have not received the amount necessary to bring the policy out of
default;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) surrender of the policy for its Net Cash Surrender Value; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the death of the Life Insured.

**16. REINSTATEMENT** 

If the policy terminates at the end of a Grace Period, you may apply for reinstatement of the policy 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) we must receive Written Request for reinstatement; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the Base Face Amount, and any Supplemental Face Amount will be reinstated to the same amounts as they were on
the date the policy terminated;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) any Surrender Charge will be reinstated to the amount it was at the date of default;

25MAJVUL 23 ND

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**16. REINSTATEMENT (continued)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) the remaining Surrender Charge Period, if any, will be the same as on the date of default;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) at reinstatement, the Policy Value, as well as the Net Premium received, will be allocated according to your
current premium allocation instructions. Policy Value allocated to the Index Appreciation Account will create new Segments on the next Segment Initiation Date;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) any remaining No-Lapse Guarantee Period will be reinstated with the
policy, as measured from the Policy Date; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) 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.

If a Schedule of Supplemental Face Amounts is shown in Section 1 which includes increases that would have otherwise become effective except for this policy having been terminated after being in default, such increases in Supplemental Face Amount will be effective on the next Annual Processing Date after the reinstatement date.

The Suicide and Incontestability provisions will apply from the reinstatement date as described in Sections 21 and 22.

**17. 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** 

Death Benefit will be determined in the same manner as specified in Section 4.

**Premiums and Monthly Deductions** 

We will not accept any further premium payments. We will cease to take Monthly Deductions for charges listed in Section 1.

**Credited Interest** 

We will continue to credit interest to the Fixed Account and Index Appreciation Account. The portion of the Policy Value that is in an Investment Account will continue to vary from day to day.

**Asset Credit** 

The Asset Credit will no longer be credited to the Policy 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 14.

**Withdrawals** 

Withdrawals will not be allowed.

25MAJVUL 24 ND

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**18. 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 Owner** 

Should 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) to any primary beneficiaries who are alive when the Life Insured dies; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) if no primary beneficiary is then alive, to any secondary beneficiaries who are then alive; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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. It will not apply to any payments we made or any action we may have taken before we received your Written Request.

**Death of Beneficiary** 

If no beneficiary is alive when the Life Insured dies, the Insurance Benefit will be payable to you, or if you are the Life Insured, 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.

25MAJVUL 25 ND

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**19. 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.

**20. 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 Base Face Amount, any Supplemental 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.

**21. SUICIDE** 

If the Life Insured commits suicide, while sane or insane, within one year from the Issue Date or within one year 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 one year from the Issue Date and within one year 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.

**22. 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 such 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 Evidence of Insurability, and any increase in Insurance Benefit resulting from such payment, shall be considered a policy change for purposes of this section.

We reserve the right under this provision to obtain evidence of the manner and cause of death of the Life Insured.

25MAJVUL 26 ND

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**23. 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, and your request is approved.

**24. 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, for any period during which:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) 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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) an emergency exists as defined by the Securities and Exchange Commission (SEC), or the SEC requires that
trading be restricted; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the SEC permits a delay for the protection of policyholders.

We also reserve the right to postpone payment of Net Cash Surrender Values, withdrawals, and policy loans for up to six months after we receive the request if such payments are based on values that do not depend on the investment performance of the Investment Accounts.

In addition, we may defer transfers under the circumstances stated in (a), (b), and (c).

**25. CLAIMS OF CREDITORS** 

The proceeds and any income payments under the policy will be exempt from the claims of creditors to the extent permitted by law. These proceeds and payments may not be assigned or withdrawn before becoming payable without our agreement.

25MAJVUL 27 ND

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**26. REPORTS TO OWNER** 

Within 30 days after each Policy Anniversary, we will send you a report at no charge showing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) the beginning and end dates of the current report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the Death Benefit at the end of the current report period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) the amounts credited or debited to the Policy Value during the current period, identified by type;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) the current allocation in the Fixed Account, the Loan Account, the Investment Accounts, and the Indexed
Accounts at the end of the current report period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) the Loan Account balance and the Index Loan Principal balance, if any, at the end of the current report period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) the Cash Surrender Value, if any, at the end of the current report period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) the Policy Value, if any, at the beginning and at the end of the current report period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(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 reports you request, we reserve the right to charge a reasonable fee, not to exceed $50.

**27. HOW VALUES ARE COMPUTED** 

We provide Cash Surrender Values that are at least equal to those required by law. We base any minimum Cash Surrender Values on the Commissioners Standard Ordinary Mortality Tables, as described under "Policy Value Calculation" in Section 1.

A detailed statement of the method of computing the values of this policy has been filed with the insurance department of the state shown in Section 1.

**28. QUALIFICATION AS LIFE INSURANCE** 

It is intended that this policy comply with the definition of "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. One of the following tax qualification tests will apply to the policy. The test you elected is shown in Section 1. Your election cannot be changed after issue.

**Guideline Premium Test** 

Under this test, if at any time the premiums received under the policy exceed the amount allowable for such tax qualification, such excess amount shall be removed from the policy as of the date of its payment, together with interest thereon from such date, and any appropriate adjustment in the Death Benefit shall be made as of such date. This excess amount shall be refunded to you no later than 60 days after the end of the applicable Policy Year. If this excess amount is not refunded by then, the Total Face Amount under the policy shall be increased retroactively so that at no time is the Death Benefit ever less than the amount necessary to ensure or maintain such tax qualification. In no event, however, will we refuse to accept any premium necessary to prevent the policy from terminating but only if such premium payment would result in a zero Policy Value at the end of the Policy Year. In addition, the Minimum Death Benefit, as described in Section 4, must be maintained.

25MAJVUL 28 ND

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**28. QUALIFICATION AS LIFE INSURANCE (continued)** 

**Cash Value Accumulation Test** 

Under this test, the Minimum Death Benefit, as described in Section 4, must be maintained.

**Effect of Policy Changes on Life Insurance Qualification Tests** 

A change in Death Benefit Option or Total Face Amount, Risk Classification, or Additional Rating will often change the policy's limits under federal income tax law. We reserve the right to refuse or limit any request for such change if the change would cause the policy to fail to qualify as a life insurance contract for federal income tax purposes.

If the policy change would result in the Minimum Death Benefit exceeding the Total Face Amount, we reserve the right to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) distribute to you a portion of the Policy Value such that the resulting Minimum Death Benefit does not exceed
the Total Face Amount; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) accept the additional Death Benefit subject to our normal underwriting practices including Evidence of
Insurability.

**29. INTEREST ON PROCEEDS** 

We will pay interest on the Insurance Benefit proceeds as stipulated by the state. If the state does not specify the interest rate, we will use the rate for proceeds left on deposit with us for this class of policies.

25MAJVUL 29 ND

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Communications about this policy may be sent to our Service Office, which is currently at [200 Berkeley Street, Boston, Massachusetts 02116-5023. Our toll-free number is 1-800-448-1616].

Flexible Premium Variable Universal Life Insurance Policy with Indexed Account options

Adjustable Death Benefit

Indexed Account Options (Index-linked interest options)

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)

25MAJVUL ND

## Ex-99.(30)(E)

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Service Office: Life New Business John Hancock 372 University Ave, Suite 55765 Westwood, MA 02090 Application For Individual Life Insurance JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (hereinafter referred to as The Company or John Hancock) SECTION A Proposed Insured If applying for Survivorship Coverage, please also complete Survivorship Supplement for Second Life ICC22 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. 1. Name FIRST MIDDLE LAST 2. Sex JOHN M. DOE X Male Female 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 X with you about your policy online 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 (10/2024)

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SECTION B: Policy Owner16. 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) X MONTH DAY YEAR DOB O C T 3 0 2 0 0 9 MONTH DAY YEAR Trust Date e. Social Security OR Tax ID X SSN 0 2 3 4 5 6 7 8 9 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 Work johndoe@hotmail.com 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 (10/2024) 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

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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) Spouse X Child Trust Business Partner MONTH DAY YEAR X DOB O C T 3 0 2 0 9 Employer Other Trust Date MONTH DAY YEAR 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. Dat e of Birth or Trust Date (if applicable) Primary Spouse Child Trust Business Partner MONTH DAY YEAR DOB Secondary Employer Other Trust Date MONTH DAY YEAR 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 (10/2024)

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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 ICC22 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 (charge at claim) Complete Summary and Disclosure Statement for Accelerated Benefit NB1237 X Accelerated Death Benefit for Chronic Illness (charge at claim) Complete Summary and Disclosure Statement for Accelerated Benefit NB5293 Long-Term Care Rider Complete Application Supplement (Long-Term Care Rider) NB5018 Critical Illness Benefit Rider Complete Application Supplement: Individual Insurance Critical Illness Benefit Rider NB5230 Chronic Illness Rider (monthly charge) Complete Application Supplement: Chronic Illness Rider ICC23 NB5295 and Summary and Disclosure Statement for Chronic Illness Rider NB5296 Cash Value Enhancement Rider Overloan Protection Rider Policy Split Option Rider Cash Value Enhancement Plus Rider Return of Premium Rider (Death Benefit Option 1 only) Enhanced Death Benefit Protection Rider Percentage of premiums to be returned at death Healthy Engagement (Vitality PLUS) Rider (Whole numbers only. Maximum 100%) % Disability Payment of Specified Premium Rider Preliminary Funding Account Monthly Specified Amount $ Other Estate Preservation Rider John Hancock Aspire – a solution for people living with diabetes 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 rewards for the everyday things people do to stay healthy. Premiums are based on the insured's Vitality status/participation in the program and may decrease, stay level, or increase each year. 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 Other 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 (10/2024)

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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 (10/2024)

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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 YEAR SURVIVORSHIP REPLACED EXCHANGE OR SETTLED RIDERS INSURANCE COMPANY 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 (10/2024)

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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 (10/2024)

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SECTION G: Personal Information (continued) <br>39. Describe your marijuana use in the past 5 years. <br>NOTE: Marijuana use does not automatically nor necessarily result in denial of coverage <br>PURPOSE Date Last Used Recreational/Social MONTH YEAR Medicinal – Provide Prescription Card ID <br>FREQUENCY DELIVERY METHOD times per Day Month Year Ingested Vaporized Inhaled <br>X I have not used marijuana in the past 5 years <br>SECTION H: Lifestyle Information <br>This section is to be completed by Proposed Insured as it pertains to his or her own lifestyle history <br>40. Describe your exercise routine, such as walking, running, treadmill, swimming, aerobics, strength training, cycling, sports or yoga. <br>If exercises exceed the allotted space below, list the remainder in SECTION K: ADDITIONAL INFORMATION <br>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 <br>X I do not participate in an exercise routine <br>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? <br>Yes X No <br>If Yes, give details of decision type, reason, date and name of company <br>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? <br>Yes X No If Yes, provide details <br>SECTION H: Lifestyle Information continues on next page <br>ICC22 NB6000 (01/2022) 8 of 13 (US) VERSION (10/2024)

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SECTION H: Lifestyle Information (continued) <br>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 <br>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 <br>aircraft, including ultralight planes? <br>Yes X No If Yes, complete Aviation Questionnaire ICC16 NB6009 <br>b. Have you ever or do you intend to participate in the next 2 years in a suborbital, orbital or lunar spacecraft flight for <br>professional, recreational or any other purposes? <br>Yes X No <br>45. Please indicate any of the following activities you participate in or have participated in, within the last 2 years: <br>Motorcycle racing Scuba diving Power boat racing Skydiving/Parachuting <br>Mountain climbing Ballooning Hang-gliding Backcountry skiing/snowmobiling <br>Bungee/base jumping Heli skiing X Motor vehicle racing I do not participate in any of these activities <br>If any activities selected, complete Avocation Questionnaire ICC16 NB6010 <br>46. Please indicate which of the following apply to your driving history: <br>Convicted of 1 or more moving violations in the past 2 years Convicted of driving while intoxicated or otherwise impaired <br>License is currently revoked or suspended X None of these apply to me <br>Give details (please include type of violation and date) <br>47. Have you ever been convicted of, plead guilty for, or are you currently awaiting trial for any misdemeanor or felony? <br>Yes X No <br>If Yes, give details of type, date, city/state of felony and/or crime and if currently on probation or parole <br>48. Have you had a life insurance medical exam completed in the last 12 months with any company? <br>Yes No If Yes, complete Part II Medical Supplement ICC16 NB6007 <br>If yes, provide company name and date of exam <br>SECTION I: Juvenile Insurance <br>• Complete only if Proposed Insured is under age 18 <br>49. a. Are all siblings equally insured? <br>Yes No If No, give details <br>b. Amount of life insurance currently in force or pending for: Mother $ If none, provide reason: <br>Father $ If none, provide reason: <br>Guardian $ If none, provide reason: <br>ICC22 NB6000 (01/2022) 9 of 13 VERSION (10/2024)

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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 ICC22 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 heart problem, stroke or cancer? Yes X No b. received a recommendation (excluding HIV) from a member of the medical profession for any consultation, testing, investigation or surgery that has not yet been completed? Yes X No 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 or follow-up for medical concerns or symptoms (excluding HIV) for which a medical professional should be consulted? Yes X No 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. SECTION QUESTION NUMBER DETAILS SECTION L: Special Instructions ICC22 NB6000 (01/2022) 10 of 13 VERSION (10/2024)

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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 (10/2024)

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Read carefully and sign below <br>I, THE PROPOSED INSURED, AUTHORIZE: <br>1. The Company to obtain consumer reports including but not limited to motor vehicle records and investigative consumer reports on me. <br>2. Any medical professional, medical care provider, hospital, clinic, laboratory, pharmacy or pharmacy benefit manager, electronic health record provider, insurance company, the MIB, LLC ("MIB") or any other similar person or organization to disclose health information about me or any minor child who is to be insured. Health information includes: (i) my entire medical record and medical history, prescription history, and other health information; (ii) confidential information related to Human Immunodeficiency Virus (HIV), other communicable diseases and mental illness (excluding psychotherapy notes) and (iii) genetic information and genetic test results, to the extent permitted by law. <br>3. Any financial professional, CPA, attorney, personal banker or any other similar person or organization to disclose financial/net worth information about me. <br>Such disclosure of my information may be made to The Company, its affiliated companies, agents, service providers, reinsurers, MIB or any person or entity entitled to receive such information by law or as I may further consent. <br>Information collected under this authorization will be used to evaluate my application for insurance, identify any misrepresentation in the information provided by me in this application, administer coverage, evaluate a claim for benefits, for reinsurance or other insurance purposes, or to conduct other legally permissible activities. I authorize The Company, or its reinsurers, to make a brief report of my health information to MIB. <br>This authorization is valid for 24 months from the date shown below or for the time limit, if any, permitted by applicable law in the state where the policy is delivered or issued for delivery, whichever period is shorter. A photocopy of this authorization will be as valid as the original. I am entitled, or my authorized representative is entitled, to a copy of this authorization. I understand that I can revoke this permission to collect information at any time by providing written notification to John Hancock Life Insurance Company (U.S.A.) at the Service Office address (page 1) Attention: Chief Underwriter, but any revocation will not affect such information that has already been collected and relied on by The Company. <br>I acknowledge receipt of the Notice of Disclosure of <br>Information relating to the underwriting process, investigative consumer reports and the MIB. <br>SECTION M: Tax Certification <br>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: <br>1. The number shown on this form is my correct taxpayer identification number, <br>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 <br>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). <br>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. <br>I am subject to backup withholding as a result of a failure to report all interest and dividends. <br>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. <br>The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to prevent backup withholding. <br>SIGNATURE OF POLICY OWNER DATE <br>ICC22 NB6000 (01/2022) 12 of 13 (US) VERSION (10/2024)

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SECTION N: Signatures <br>If Proposed Insured is under age 15, Parent or Guardian must sign on the Proposed Insured Signature Line and include relationship. <br>X <br>SIGNATURE OF POLICY OWNER (PROVIDE TITLE OR CORPORATE SEAL, IF SIGNING OFFICER) <br>POLICY OWNER—SIGNED AT CITY STATE THIS DAY OF YEAR <br>//INSURED_sig\*// <br>X <br>SIGNATURE OF PROPOSED INSURED IF OTHER THAN POLICY OWNER (PARENT OR GUARDIAN IF UNDER AGE 15) <br>AGENT SIGNATURE <br>I certify that all the information supplied by the Proposed Insured and Owner(s) has truly and accurately been recorded on the <br>application. <br>X <br>SIGNATURE OF AGENT/REPRESENTATIVE DATE <br>ICC22 NB6000 (01/2022) 13 of 13 (US) VERSION (10/2024)

## Ex-99.(30)(K)

![](g46328img9699cecb1.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

July 21, 2025

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

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

File Nos. 811-4834 and 333-286257, 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

Majestic Variable Universal Life 2025 Employer Market

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## Ex-99.(30)(N)

Consent of Independent Registered Public Accounting Firm

We consent to the reference to our firm under the captions "Services" and "Financial Statements" as the independent registered public accounting firm in the Statement of Additional Information, dated July 24, 2025, and included in this Pre-Effective Amendment No. 1 to the Registration Statement (Form N-6, File No. 333-286257) of JOHN HANCOCK LIFE INSURANCE CO (USA) SEPARATE ACCOUNT A (the "Registration Statement").

We also consent to the use of our reports (1) dated April 10, 2025, with respect to the statutory- basis financial statements of John Hancock Life Insurance Company (U.S.A.) and (2) dated April 2, 2025, with respect to the financial statements of each of the subaccounts within JOHN HANCOCK LIFE INSURANCE CO (USA) SEPARATE ACCOUNT A for the year ended December 31, 2024, incorporated by reference in this Registration Statement, filed with the Securities and Exchange Commission.

/s/ Ernst & Young LLP

Boston, Massachusetts

July 21, 2025

## Ex-99.(30)(R)

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

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

**("John Hancock USA")** 

Flexible Premium Variable Universal Life Insurance Policy with Indexed Accounts

MAJESTIC VARIABLE UNIVERSAL LIFE 2025 EMPLOYER MARKET

Summary Prospectus for New Investors dated July 24, 2025

This Summary Prospectus summarizes key features of the Majestic Variable Universal Life 2025 Employer Market 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 <u>dfinview.com/JohnHancock/TAHD/MVUL2025EM</u>. You can also obtain this information by calling 1-800-521-1234 or by sending an email request to <u>webmail@jhancock.com</u><u>.</u>

The Majestic Variable Universal Life 2025 Employer Market policy is meant primarily for employers seeking to offer insurance policies to certain individuals in their organization and not as a group policy.

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](#isp32757_1)** | 3 |
|  **[OVERVIEW OF THE POLICY](#isp32757_2)** | 6 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *[Purpose](#isp32757_3)* | 6 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *[Premiums](#isp32757_4)* | 6 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *[Policy Features](#isp32757_5)* | 6 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Death benefit](#isp32757_6)** | 6 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Surrender of the policy](#isp32757_7)** | 7 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Withdrawals](#isp32757_8)** | 7 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Policy loans](#isp32757_9)** | 7 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Asset credit](#isp32757_10)** | 7 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Supplementary benefit riders](#isp32757_11)** | 7 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Indexed Accounts](#isp32757_12)** | 7 |
|  **[STANDARD DEATH BENEFITS](#isp32757_13)** | 8 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Effectiveness and Policy Date](#isp32757_14)** | 8 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Temporary insurance coverage](#isp32757_15)** | 8 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Option 1 and Option 2](#isp32757_16)** | 8 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Base Face Amount and Supplemental Face Amount](#isp32757_17)** | 8 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Minimum death benefit](#isp32757_18)** | 9 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Calculation and payment of the death benefit](#isp32757_19)** | 9 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Changes you may make](#isp32757_20)** | 9 |
|  **[OTHER BENEFITS AVAILABLE UNDER THE POLICY](#isp32757_21)** | 10 |
|  **[BUYING THE POLICY](#isp32757_22)** | 12 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *[Purchase Procedures](#isp32757_23)* | 12 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *[Premium Amount](#isp32757_24)* | 12 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *[Premium Due Dates](#isp32757_25)* | 12 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *[No-Lapse Guarantee](#isp32757_26)* | 13 |
|  **[HOW YOUR POLICY CAN LAPSE](#isp32757_27)** | 13 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Lapse](#isp32757_28)** | 13 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **[Reinstatement](#isp32757_29)** | 13 |
|  **[MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR POLICY](#isp32757_30)** | 14 |
|  **[ADDITIONAL INFORMATION ABOUT FEES](#isp32757_31)** | 15 |
|  **[APPENDIX: PORTFOLIOS AVAILABLE UNDER THE POLICY](#isp32757_32)** | Appendix-1 |

---

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**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY** 

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**FEES AND EXPENSES** | &nbsp;&nbsp;&nbsp;**FEES AND EXPENSES** | &nbsp;&nbsp;&nbsp;**FEES AND EXPENSES** | &nbsp;&nbsp;&nbsp;**FEES AND EXPENSES** | &nbsp;&nbsp;&nbsp;**FEES AND EXPENSES** |
| &nbsp;&nbsp;&nbsp;Charges for Early Withdrawals | There are surrender charges assessed upon surrender, withdrawal, or policy lapse in the first twelve policy years from the Policy Date. The maximum surrender charge is 5.459% of Base Face Amount. For example, if the Base Face Amount is $100,000, the highest possible surrender charge would be $5,459. | There are surrender charges assessed upon surrender, withdrawal, or policy lapse in the first twelve policy years from the Policy Date. The maximum surrender charge is 5.459% of Base Face Amount. For example, if the Base Face Amount is $100,000, the highest possible surrender charge would be $5,459. | There are surrender charges assessed upon surrender, withdrawal, or policy lapse in the first twelve policy years from the Policy Date. The maximum surrender charge is 5.459% of Base Face Amount. For example, if the Base Face Amount is $100,000, the highest possible surrender charge would be $5,459. | *<u>FEE TABLE</u>*<br>*<u>Deductions from policy value</u>* |
| &nbsp;&nbsp;&nbsp;Transaction Charges | In addition to surrender charges (if applicable), you may also be charged for 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 investment account after you have made more than 12 such transfers in a year. | In addition to surrender charges (if applicable), you may also be charged for 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 investment account after you have made more than 12 such transfers in a year. | In addition to surrender charges (if applicable), you may also be charged for 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 investment account after you have made more than 12 such transfers in a year. | *<u>FEE TABLE</u>*<br>*<u>Deductions from premium payments</u>*<br> *<u>Deductions from policy value</u>* |
| &nbsp;&nbsp;&nbsp;Ongoing Fees and Expenses (annual charges) | In addition to surrender charges and transaction charges, you will also be subject to certain ongoing fees and expenses, including a cost of insurance charge, administrative charge, Base Face Amount charge, Supplemental Face Amount charge, Advance Contribution Charge, indexed performance charge, policy loan costs, and supplementary benefit rider charges. Some of these fees and expenses are based wholly or in part on the characteristics of the insured person (e.g., age, sex, and underwriting classification). | In addition to surrender charges and transaction charges, you will also be subject to certain ongoing fees and expenses, including a cost of insurance charge, administrative charge, Base Face Amount charge, Supplemental Face Amount charge, Advance Contribution Charge, indexed performance charge, policy loan costs, and supplementary benefit rider charges. Some of these fees and expenses are based wholly or in part on the characteristics of the insured person (e.g., age, sex, and underwriting classification). | In addition to surrender charges and transaction charges, you will also be subject to certain ongoing fees and expenses, including a cost of insurance charge, administrative charge, Base Face Amount charge, Supplemental Face Amount charge, Advance Contribution Charge, indexed performance charge, policy loan costs, and supplementary benefit rider charges. Some of these fees and expenses are based wholly or in part on the characteristics of the insured person (e.g., age, sex, and underwriting classification). | *<u>FEE TABLE</u>*<br>*<u>Deductions from policy</u> <u>value</u>* |
|  | You should view the "policy specifications" page of your policy for rates applicable to your policy. | You should view the "policy specifications" page of your policy for rates applicable to your policy. | You should view the "policy specifications" page of your policy for rates applicable to your policy. |  |
|  | You will also bear expenses associated with the portfolios under the policy, as shown in the following table: | You will also bear expenses associated with the portfolios under the policy, as shown in the following table: | You will also bear expenses associated with the portfolios under the policy, as shown in the following table: | *<u>Charges at the portfolio level</u>* |
|  | **Annual Fee** | Minimum | Maximum | *APPENDIX* |
|  | **Variable investment accounts (portfolio fees and expenses)** | 0.39% | 105.75% |  |
|  | **RISKS** | **RISKS** | **RISKS** |  |
| &nbsp;&nbsp;&nbsp;Risk of Loss | You can lose money by investing in this policy. | You can lose money by investing in this policy. | You can lose money by investing in this policy. | *<u>PRINCIPAL RISKS OF INVESTING IN A POLICY</u>* |
| &nbsp;&nbsp;&nbsp;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. The policy is unsuitable as a short-term savings vehicle because of substantial policy-level charges, including the premium charge and the surrender charge, as well as potential adverse tax consequences from such short-term use. | This policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The policy is unsuitable as a short-term savings vehicle because of substantial policy-level charges, including the premium charge and the surrender charge, as well as potential adverse tax consequences from such short-term use. | This policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The policy is unsuitable as a short-term savings vehicle because of substantial policy-level charges, including the premium charge and the surrender charge, as well as potential adverse tax consequences from such short-term use. | *<u>Early Surrender or Withdrawal Risk/Not a Short-Term Investment</u>* |
| &nbsp;&nbsp;&nbsp;Risks Associated with Investment Options | An investment in this policy is subject to the risk of poor performance and can vary depending on the performance of the account allocation options available under the policy (e.g., portfolios). Each such option (including the fixed account and indexed accounts) will have its own unique risks, and you should review these options before making an allocation decision. You can find the prospectuses and other information about the portfolios at <u>dfinview.com/JohnHancock/TAHD/MVUL2025EM</u>. | An investment in this policy is subject to the risk of poor performance and can vary depending on the performance of the account allocation options available under the policy (e.g., portfolios). Each such option (including the fixed account and indexed accounts) will have its own unique risks, and you should review these options before making an allocation decision. You can find the prospectuses and other information about the portfolios at <u>dfinview.com/JohnHancock/TAHD/MVUL2025EM</u>. | An investment in this policy is subject to the risk of poor performance and can vary depending on the performance of the account allocation options available under the policy (e.g., portfolios). Each such option (including the fixed account and indexed accounts) will have its own unique risks, and you should review these options before making an allocation decision. You can find the prospectuses and other information about the portfolios at <u>dfinview.com/JohnHancock/TAHD/MVUL2025EM</u>. | *<u>Investment Risk/Risk of Loss</u>*<br>*<u>Risks Associated with Indexed Accounts</u>* |

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|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**RISKS** | &nbsp;&nbsp;&nbsp;**RISKS** | &nbsp;&nbsp;&nbsp;**RISKS** |
| &nbsp;&nbsp;&nbsp;Insurance Company Risks | Your investment in the policy is subject to risks related to John Hancock USA, including that the obligations, the fixed account and indexed accounts, 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 1-800-521-1234. | *<u>Depositor</u>*<br>*<u>Registrant</u>* |
| &nbsp;&nbsp;&nbsp;Policy Lapse | Unless the No-Lapse Guarantee is in effect, this 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. The "net cash surrender value" is your policy value, less any policy debt, and less any applicable surrender charges. This can happen as a result of insufficient premium payments, poor performance of the variable or general account options you have chosen, withdrawals, or unpaid loans or loan interest. If a default is not cured within a 61-day grace period, your policy will lapse without value, and no death benefit or other benefits will be payable. You can apply to reinstate a policy that has gone into default, subject to conditions including payment of a specified amount of additional premiums. | *<u>Lapse and Reinstatement</u>* |

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|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**RESTRICTIONS** | &nbsp;&nbsp;&nbsp;**RESTRICTIONS** | &nbsp;&nbsp;&nbsp;**RESTRICTIONS** |
| &nbsp;&nbsp;&nbsp;Investments | There are restrictions that may limit the variable investment account options and general account options, the fixed account and indexed accounts that you may choose, as well as limitations on the transfer of policy value among those options. These restrictions may include a monthly limit on the number of transfers you may make. We may also impose additional restrictions to discourage market timing and disruptive trading activity.<br>In particular, your allocation options will be affected if you elect to take a loan or receive benefits under certain supplementary benefit riders.<br>Among other things, the policy also allows us to eliminate the shares of a portfolio or substitute shares of another new or existing portfolio, subject to applicable legal requirements. | *<u>Limitations on transfers to or from a variable investment account</u>*<br>*<u>Limitations on transfers out of the fixed account</u>*<br>*<u>Effect of Loans on Cash Value and Death Benefit</u>*<br>*<u>Overloan Protection Rider</u>*<br>*<u>Portfolios and The Indexed Accounts</u>* |

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|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**RESTRICTIONS** | &nbsp;&nbsp;&nbsp;**RESTRICTIONS** | &nbsp;&nbsp;&nbsp;**RESTRICTIONS** |
| &nbsp;&nbsp;&nbsp;Optional Benefits | There are restrictions and limitations relating to optional benefits, as well as conditions under which an optional benefit may be modified or terminated by us. For example, certain supplementary benefit riders may be subject to underwriting, and your election of an option may result in restrictions upon some of the policy benefits, including availability of investment options. Availability of certain optional benefits may vary due to state limitations. See the Material State Variations table for more information. | *<u>Return of Premium Death Benefit Rider</u>*<br>*<u>Overloan Protection Rider</u>*<br>*<u>More About Certain Optional Benefits</u>*<br>*<u>Variations</u>* |

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|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**TAXES** | &nbsp;&nbsp;&nbsp;**TAXES** | &nbsp;&nbsp;&nbsp;**TAXES** |
| &nbsp;&nbsp;&nbsp;Tax Implications | You should consult with a tax professional to determine the tax implications of an investment in and payments received under the policy. There is no additional tax benefit to you if the policy is purchased through a tax-qualified plan. If we pay out any amount of your policy value upon surrender or partial withdrawal, 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, with any portion not treated as a return of your premiums includible in your income. Distributions also are subject to tax penalties under some circumstances. | *<u>Tax Consequences of Owning a Policy</u>* |

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

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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, indexed account, 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, the indexed 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 <u>APPENDIX</u>, but for a full description of each portfolio, including the investment objectives and strategies, policies, restrictions,<u> </u>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) or to "segments" of the indexed account. Amounts in a segment of the indexed account are credited with a rate of interest based on, among other things, the return of the Standard & Poor's 500 <sup>®</sup> stock price index (excluding dividends) over the segment's term. Amounts in a segment of the Barclays Global MA Classic Indexed Account are credited with a rate of interest based on, among other things, the return of the Barclays Global MA Index (excluding dividends).

The rate of interest we credit for an index segment is equal to the index's return over the segment's term, multiplied by a percentage (the "participation rate") and subject to an upper limit (a "cap rate") and a guaranteed minimum rate (a "floor rate"). We set a segment's participation, cap, and floor rates at the beginning of the segment's term, and the rate we set for any of those factors will never be less favorable to you than a guaranteed rate that your policy specifications shows for that factor.

If the net cash surrender value is insufficient to pay the charges when due and the No-Lapse Guarantee 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, because the performance of the S&P 500 or the Barclays Global MA Index has been poor, or because of a combination of all 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 Total Face Amount plus any amount
payable under a supplementary benefit rider, or (2) the minimum death benefit. The "Total Face Amount" is the amount of life insurance coverage equal to the "Base Face Amount" plus any "Supplemental Face Amount,"
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 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.

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**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 Total Face Amount.

**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. You may choose between a Standard Loan or an Index Loan. 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.

**Asset credit.** We will apply an Asset Credit on the same date any monthly charges are deducted beginning in the Asset Credit Commencement Year. The Asset Credit equals the Asset Credit Rate times the portion of your policy value allocated to variable investment accounts. The Asset Credit Commencement Year varies by the insured's issue age and is shown in your Policy Specifications along with the Asset Credit Rate. The Asset Credit will be allocated automatically to the variable investment accounts, the fixed account and indexed accounts 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;• Return of Premium Death Benefit Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Cash Value Enhancement Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Overloan Protection Rider

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Healthy Engagement Core 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.

**Indexed Accounts.** In addition to the variable investment options (see APPENDIX), you can elect to allocate net premium or transfer policy value to the following indexed accounts: Base Capped Indexed Account, Base High Par Capped Indexed Account, Base Capped Two Year Indexed Account, High Capped Indexed Account, and the Barclays Global MA Classic Indexed Account. Amounts that you allocate to the indexed accounts are initially held in a portion of an indexed account you elected (the "holding segment") until the amounts are designated to the segment of the indexed account on the segment initiation date, which is generally the 15th of each month. A segment is 12-months in duration for the Base Capped, Base High Par Capped, High Capped, and Barclays Global MA Classic indexed accounts and twenty-four months in duration for the Base Capped Two Year Indexed Account (the "segment term") and is eligible to receive interest ("indexed segment interest credit") on the last day of the segment term, which is known as the "segment maturity date".

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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.

**Base Face Amount and Supplemental Face Amount.** Total Face Amount is composed of the Base Face Amount and any Supplemental Face Amount you elect. The Supplemental Face Amount you can have generally cannot exceed 400% of the Base Face Amount at the Issue Date. Thereafter, scheduled and unscheduled increases to the Supplemental Face Amount are not permitted if the resulting Supplemental Face Amount would exceed 400% of the Total Face Amount at the Issue Date.

You should consider a number of factors in determining whether to elect coverage in the form of Base Face Amount or in the form of Supplemental Face Amount. For the same amount of premiums paid, the amount of the Face Amount charge deducted from policy value and the amount of compensation paid to the selling insurance agent will generally be less if coverage is included as Supplemental Face Amount, rather than as Base Face Amount. On the other hand, the amount of any Supplemental Face Amount may be subject to a shorter No-Lapse Guarantee Period. If your priority is to reduce your Face Amount charges, you may wish to maximize the proportion of the Supplemental Face Amount. However, if your priority is to take advantage of the no-lapse guarantee feature after the fifth policy year or to maximize the death benefit when the insured person reaches age 121, then you may wish to maximize the proportion of the Base Face Amount. However, the no-lapse guarantee for the Base Face Amount under any policy that has elected an increasing Supplemental Face Amount or the Return of Premium Death Benefit Rider is limited to the first five policy years.

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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. There are two tests that can be applied under Federal tax law — the "guideline premium test" and the "cash value accumulation test." You must elect at issue which test you wish to have applied. Once elected, the test cannot be changed without our approval.

Under the guideline premium 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. A table showing the factor for each age will appear in the policy.

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. The cash value accumulation test may be preferable if you want to fund the policy so that the minimum death benefit will increase earlier than would be required under the guideline premium test, or if you want to fund the policy at the "7 pay" limit for the full seven years.

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 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 1-800-521-1234 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 ADDITIONAL INFORMATION ABOUT FEES section.

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|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**STANDARD BENEFITS** | &nbsp;&nbsp;&nbsp;**STANDARD BENEFITS** | &nbsp;&nbsp;&nbsp;**STANDARD BENEFITS** |
| &nbsp;&nbsp;&nbsp;**Name of Benefit** | **Purpose** | **Brief Description of**<br> **Restrictions/Limitations** |
| &nbsp;&nbsp;&nbsp;Dollar cost averaging | Under the dollar cost averaging program, you will designate an amount that will be transferred monthly from one variable investment account into any other variable investment account, a fixed account, or a holding segment of an indexed account until the amounts are designated to a segment of the indexed account. | We reserve the right to cease to offer this program after written notice to you. |
| &nbsp;&nbsp;&nbsp;Asset allocation balancing | Under the asset allocation balancer program, you will designate a percentage allocation of policy value among variable investment accounts. We will automatically transfer amounts among the variable investment accounts at intervals you select (annually, semi-annually, quarterly, or monthly) to reestablish your chosen allocation. | We reserve the right to cease this program after written notice to you. |
| &nbsp;&nbsp;&nbsp;**OPTIONAL BENEFITS** | &nbsp;&nbsp;&nbsp;**OPTIONAL BENEFITS** | &nbsp;&nbsp;&nbsp;**OPTIONAL BENEFITS** |
| &nbsp;&nbsp;&nbsp;**Name of Benefit** | **Purpose** | **Brief Description of**<br> **Restrictions/Limitations** |
| &nbsp;&nbsp;&nbsp;Healthy Engagement Rider\* | Provides the opportunity to add credits to your policy value based upon the insured person's ongoing participation in activities that promote a healthy lifestyle. The higher the insured person's healthy engagement status category, and the more years the insured person qualifies for higher status categories, the larger your credits are likely to be. The Healthy Engagement Rider also provides the insured person with the possibility of other benefits. | The amount of any credit will be reduced (a) the closer we are to charging the policy's maximum cost of insurance rate or (b) at any time the policy's death benefit exceeds the cap shown in your policy. We have the right to change at any time the qualification standards for status categories. Also, we may change or terminate any other incentives. |
| &nbsp;&nbsp;&nbsp;Healthy Engagement Core Rider\* | 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.<br>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 healthy activities. | We reserve the right to amend aspects of the program from time to time, including the Program Rewards.<br>In order to participate in the program, the insured person (i) must have attained Age 20, and (ii) must not have elected the Healthy Engagement Rider. |
| &nbsp;&nbsp;&nbsp;Return of Premium Death Benefit Rider\* | Provides an additional death benefit payable upon the death of the insured person. | This benefit is available to you only if you elect death benefit Option 1. You must terminate this rider before you can elect any increase to your Supplemental Face Amount. |
| &nbsp;&nbsp;&nbsp;Accelerated Benefit 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. | Payment of the benefit amount will reduce your death benefit, cash value or loan value under your policy. This rider is only available with policies that are individually owned. |

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|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**OPTIONAL BENEFITS** | &nbsp;&nbsp;&nbsp;**OPTIONAL BENEFITS** | &nbsp;&nbsp;&nbsp;**OPTIONAL BENEFITS** |
| &nbsp;&nbsp;&nbsp;**Name of Benefit** | **Purpose** | **Brief Description of**<br> **Restrictions/Limitations** |
| &nbsp;&nbsp;&nbsp;Cash Value Enhancement Rider | Provides an enhancement in cash surrender value. | The decision to add this rider to your policy must be made at issuance of the policy and, once made, is irrevocable. |
| &nbsp;&nbsp;&nbsp;Overloan Protection Rider | Prevents your policy from lapsing on any date if policy debt exceeds the death benefit. | The benefit is subject to a number of eligibility requirements relating to, among other things, the number of years the policy has been in force, the attained age of the insured person, the death benefit option elected and the tax status of the policy. |
|  | | When the Overloan Protection Benefit in this rider is invoked, all values in the variable investment accounts and the indexed accounts (upon segment maturity) are transferred to the fixed account and will continue to grow at the current fixed account interest rate. |
|  | | Thereafter, policy changes and transactions are limited as set forth in the rider. Any applicable No- Lapse Guarantee under the policy no longer applies, and any supplementary benefit rider requiring a monthly deduction will automatically be terminated. |
|  | | When the Overloan Protection Rider causes the policy to be converted into a fixed policy, there is risk that the Internal Revenue Service could assert that the policy has been effectively terminated and that the outstanding loan balance should be treated as a distribution. |

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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."

Policies issued in Montana or in connection with certain employee plans will not directly reflect the sex of the insured person in either the premium rates or the charges or values under the policy.

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 and election of any Supplemental Face Amount; 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 no-lapse guarantee 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

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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 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.

**No-Lapse Guarantee** 

In those states where it is permitted, as long as the cumulative premium test is satisfied during the No-Lapse Guarantee Period, and the policy value is greater than the policy debt, we will guarantee that the policy will not go into default, even if adverse investment experience or other factors should cause the policy's surrender value to fall to zero or below during such period.

The No-Lapse Guarantee Premium is not a charge assessed against the policy value; it is an amount used in determining whether the cumulative premium test has been satisfied. The No-Lapse Guarantee Premium is set at issue on the basis of the Base Face Amount and any Supplemental Face Amount and reflects the age, sex and risk class of the proposed insured as well as any additional rating and supplementary benefits, if applicable. It is subject to change if (i) the Total Face Amount of the policy is changed, (ii) there is a decrease in the Face Amount of insurance, or (iii) there is any change in the supplementary benefits added to the policy or in the risk classification of the insured person.

The No-Lapse Guarantee Period is set at issue and is stated in the policy specifications. Certain state limitations may apply, but generally the No-Lapse Guarantee Period for the Base Face Amount is (i) the lesser of fifteen years or to age 70 or (ii) seven years if the insured person's issue age is 65 or older. However, the No-Lapse Guarantee Period for the Base Face Amount and any Supplemental Face Amount is limited to the first five policy years under any policy that has scheduled or unscheduled increases to Supplemental Face Amount after issue or a Return of Premium Death Benefit Rider.

While the No-Lapse Guarantee is in effect, we will determine at the beginning of the policy month that your policy would otherwise be in default whether the cumulative premium test has been met. The cumulative premium test is satisfied if, as of the beginning of the policy month that your policy would otherwise be in default, the sum of all premiums paid to date less any withdrawals taken on or before the date of the test and less any policy debt is equal to or exceeds the sum of the monthly No-Lapse Guarantee Premium due from the Policy Date to the date of the test. If the test has not been satisfied, 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 terminating. This required payment, as described in the notification, will be equal to the lesser of:

(a) the greater of the outstanding premium requirement to satisfy the cumulative premium test at the date of default and the amount necessary to bring the policy value (net of any loans) to zero, plus the monthly No-Lapse Guarantee Premium due for the next three policy months, or

(b) the amount necessary to bring the net cash surrender value to zero plus an amount equal to three times the monthly deductions due on the date of default, plus the applicable premium charge.

If the required payment is not received by the end of the grace period, the No-Lapse Guarantee and the policy will terminate.

**HOW YOUR POLICY CAN LAPSE** 

**Lapse.** Unless the no-lapse guarantee 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

(b) You must pay 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.

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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. Generally, any such reduction in the Total Face Amount will be implemented by first reducing any Supplemental Face Amount then in effect. 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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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**TRANSACTION FEES** | &nbsp;&nbsp;&nbsp;**TRANSACTION FEES** | &nbsp;&nbsp;&nbsp;**TRANSACTION FEES** |
| &nbsp;&nbsp;&nbsp;**Charge** | **When Charge is Deducted** | **Amount Deducted** |
| &nbsp;&nbsp;&nbsp;Maximum premium charge | Upon payment of premium | 7% of each premium paid<sup>(1)</sup> |
| &nbsp;&nbsp;&nbsp;Surrender charge<sup>(2)</sup> | Upon surrender or policy lapse |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $19.16 per $1,000 of Base Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $54.59 per $1,000 of Base Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a representative insured person |  | $31.78 per $1,000 of Base Face Amount |
| &nbsp;&nbsp;&nbsp;Transfer fee<sup>(3)</sup> | Upon each transfer into or out of a variable investment account beyond an annual limit of twelve | $25 |
| &nbsp;&nbsp;&nbsp;Cash Value Enhancement Rider<sup>(4)</sup> | Upon payment of premium | 4% of premiums paid |
| &nbsp;&nbsp;&nbsp;Overloan Protection Rider<sup>(5)</sup> | At exercise of benefit |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | 0.04% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | 8.00% |
| &nbsp;&nbsp;&nbsp;Accelerated Benefit Rider | At exercise of benefit | $150.00 |

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*(1)* *This charge is 7% of each premium paid in years 1-20 and 2% of each premium paid in years 21 and thereafter.* 

*(2)* *A surrender charge is applicable for fifteen policy years from the Policy Date, and varies based upon the sex, issue age and duration, and risk classification of the insured person. The minimum charge shown is for a 18 year old female standard nonsmoker underwriting risk. The maximum charge shown is the amount in month one in the first policy year for a 66 year old female standard nonsmoker underwriting risk. The charge for the representative insured person is for a 45 year old male standard nonsmoker 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)* *The charge for this rider is a percentage of premium which is deducted at the same time as the Premium charge when premiums are paid in years 1 through 10.* 

*(5)* *The charge for this rider is determined as a percentage of unloaned account value. The rates vary by the attained age of the insured person at the time of exercise. The rates also differ according to the tax qualification test elected at issue. The minimum rate shown is for an insured person who has reached attained age 100 and the guideline premium test or the cash value accumulation test has been elected. The maximum rate shown is for an insured person who has reached attained age 75 and the cash value accumulation test has been elected. 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 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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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** | &nbsp;&nbsp;&nbsp;**PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** | &nbsp;&nbsp;&nbsp;**PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** |
| &nbsp;&nbsp;&nbsp;**Charge** | **When Charge is Deducted** | **Amount Deducted** |
| &nbsp;&nbsp;&nbsp; **Base Policy Charges:** |  |  |
| &nbsp;&nbsp;&nbsp;Cost of Insurance<sup>(1)</sup>: | Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.02 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $83.33 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a representative insured person |  | $0.22 per $1,000 of NAR |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** | &nbsp;&nbsp;&nbsp;**PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** | &nbsp;&nbsp;&nbsp;**PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES** |
| &nbsp;&nbsp;&nbsp;**Charge** | **When Charge is Deducted** | **Amount Deducted** |
| &nbsp;&nbsp;&nbsp; Administrative charge | Monthly | $20.00 |
| &nbsp;&nbsp;&nbsp;Base Face Amount charge<sup>(2)</sup>: | Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.09 per $1,000 of Base Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $4.78 per $1,000 of Base Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a representative insured person |  | $0.28 per $1,000 of Base Face Amount |
| &nbsp;&nbsp;&nbsp;Supplemental Face Amount charge<sup>(3)</sup>: | Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.01 per $1,000 of Supplemental Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $3.07 per $1,000 of Supplemental Face Amount |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a representative insured person |  | $0.01 per $1,000 of Supplemental Face Amount |
| &nbsp;&nbsp;&nbsp; Advance Contribution Charge<sup>(4)</sup>: | Monthly | $0.075 per $1,000 of excess Cumulative Premiums |
| &nbsp;&nbsp;&nbsp; Indexed Performance charge<sup>(5)</sup> | Monthly | 1.50% annually (0.125% monthly) applied to the policy value in the High Capped Indexed Account |
| &nbsp;&nbsp;&nbsp; Maximum Standard Loan interest rate<sup>(6)</sup> | Accrues daily Payable annually | 3.25% annual rate |
| &nbsp;&nbsp;&nbsp; Maximum Index Loan interest rate<sup>(7)</sup> | Accrues daily Payable annually | 15% annual rate |
| &nbsp;&nbsp;&nbsp;**Optional Benefit Charges:** |  |  |
| &nbsp;&nbsp;&nbsp; Healthy Engagement Rider | Monthly | $2 |
| &nbsp;&nbsp;&nbsp;Return of Premium Death Benefit Rider<sup>(8)</sup> | Monthly |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum charge |  | $0.02 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum charge |  | $83.33 per $1,000 of NAR |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for representative insured person |  | $0.22 per $1,000 of NAR |

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*(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 18 year old female standard non-smoker underwriting risk. The maximum rate shown is the rate in the thirteenth policy year for a 80 year old male standard smoker underwriting risk. The representative insured person rate shown is for a 45 year old male standard 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.* 

*(2)* *This charge is determined by multiplying the Base Face Amount at issue by the applicable rate. The rates vary by the sex, age, risk classification, and death benefit option at issue of the insured person. The charge also varies by policy year. The minimum rate shown is the rate in the first policy year for a 18 year old male standard non-smoker underwriting risk with death benefit Option 1. The maximum rate shown is the rate in the fourth policy year for a 80 year old male standard smoker with death benefit Option 2. The representative insured person rate shown is the rate in the first policy year for a 45 year old male standard non-smoker with death benefit Option 2. This charge continues for a maximum of 27 years. 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 determined by multiplying the greater of the amount of Supplemental Face Amount at issue and the current amount of Supplemental Face Amount by the applicable rate. The rates vary by the sex, age, and risk classification of the insured person. The charge also varies by policy year. The minimum rate shown is the rate in the first policy year for a 45 year old male standard non-smoker. The maximum rate shown is the rate in the fourth policy year for a 80 year old male standard smoker. The representative insured person rate shown is the rate in the first policy year for a 45 year old male standard non-smoker. This charge continues for a maximum of 27 years. 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.* 

*(4)* *This charge is determined by taking the advance, 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, through policy year 10. The charge will be zero after year 10. The Advance Contribution Limit varies depending upon the issue age, insurance risk characteristics and gender of the insured person. Although the Advance Contribution Charge Rate is the same for all insured persons, since the Advance Contribution Limit varies, the actual Advance Contribution Charge amount will vary by each insured person's circumstances. The Advance Contribution Charge Rate and the Advance Contribution Limit are identified in your Policy Specifications. 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.* 

*(5)* *This charge is determined by multiplying the portion of policy value held in the segments of the High Capped Indexed Account by the applicable rate. The charge determined does not apply to policy value held in the other indexed accounts, the variable investment accounts, or any fixed account.* 

*(6)* *The maximum effective annual interest rate we can charge for a Standard Loan is 3.25% for policy years 1-10 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.* 

*(7)* *The maximum annual interest rate we can charge for an Index Loan is variable but will never exceed the maximum loan interest rate shown. We set this rate each year at your policy anniversary and it does not change during the Policy Year.* 

*(8)* *The Return of Premium Death Benefit Rider charge is determined by multiplying the NAR by the applicable cost of insurance rate. The rates vary widely depending upon the length of time the policy has been in effect, the insurance risk characteristics of the insured person and (generally) the sex of the insured person. The minimum rate shown is the rate in the first policy year for a 18 year old female standard non-smoker underwriting risk. The maximum rate shown is the rate in the thirteenth policy year for an 80 year old male standard smoker underwriting risk. The representative insured person rate shown is for a 45 year old male standard 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.* 

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 management fees, distribution and/or service (12b-1) fees, and other expenses | 0.39% | 105.75% |

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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 <u>dfinview.com/JohnHancock/TAHD/MVUL2025EM</u>. You can also request this information at no cost by calling 1-800-521-1234 or by sending an email request to webmail@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.

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** |
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | | **1-Year** | **5-Year** | **10-Year** |
| &nbsp;&nbsp;&nbsp;To approximate the aggregate total return of a broad-based U.S. domestic equity market index. | 500 Index Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.25 | %<sup>\*</sup> | 24.67 | 14.23 | 12.81 |
| &nbsp;&nbsp;&nbsp;To seek income and capital appreciation. | Active Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.65 | %<sup>\*</sup> | 2.16 | 0.31 | 1.93 |
| &nbsp;&nbsp;&nbsp;To seek to provide high total return (including income and capital gains) consistent with preservation of capital over the long term. | American Asset Allocation Trust - Series I<br>Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series) | 0.91 | %<sup>\*</sup> | 16.02 | 7.93 | 7.93 |
| &nbsp;&nbsp;&nbsp;To seek to provide long-term growth of capital. | American Global Growth Trust - Series I<br>Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series) | 1.06 | %<sup>\*</sup> | 13.20 | 9.33 | 10.32 |
| &nbsp;&nbsp;&nbsp;To seek to provide growth of capital. | American Growth Trust - Series I<br>Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series) | 0.96 | %<sup>\*</sup> | 31.09 | 18.39 | 16.15 |
| &nbsp;&nbsp;&nbsp;To seek to provide long-term growth of capital and income. | American Growth-Income Trust - Series I<br>Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series) | 0.91 | % | 23.71 | 12.59 | 11.80 |
| &nbsp;&nbsp;&nbsp;To seek to provide long-term growth of capital. | American International Trust - Series I<br>Capital Research and Management Company (Adviser to the Master Fund, American Fund Insurance Series) | 1.16 | %<sup>\*</sup> | 2.79 | 0.85 | 3.63 |
| &nbsp;&nbsp;&nbsp;To provide long-term growth of capital. Current income is a secondary objective. | Blue Chip Growth Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*T. Rowe Price Associates, Inc.* | 0.76 | %<sup>\*</sup> | 35.73 | 14.60 | 14.87 |

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|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** |
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | | **1-Year** | **5-Year** | **10-Year** |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Capital Appreciation Value Trust - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*T. Rowe Price Associates, Inc.* | 0.88 | %<sup>\*</sup> | 12.43 | 10.22 | 10.30 |
| &nbsp;&nbsp;&nbsp;To seek total return consisting of income and capital appreciation. | Core Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Allspring Global Investments, LLC* | 0.62 | %<sup>\*</sup> | 1.54 | -0.19 | 1.30 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Disciplined Value Emerging Markets Equity Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Boston Partners Global Investors, Inc*. | 0.99 | %<sup>\*</sup> | -2.44 | 2.75 | 3.38 |
| &nbsp;&nbsp;&nbsp;To seek long-term growth of capital. | Disciplined Value International Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Boston Partners Global Investors,* Inc. | 0.78 | % | -0.35 | 5.89 | 4.45 |
| &nbsp;&nbsp;&nbsp;To provide substantial dividend income and also long-term growth of capital. | Equity Income Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*T. Rowe Price Associates, Inc.* | 0.71 | %<sup>\*</sup> | 11.67 | 8.42 | 8.29 |
| &nbsp;&nbsp;&nbsp;To seek growth of capital. | Financial Industries Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.88 | %<sup>\*</sup> | 30.36 | 9.47 | 9.05 |
| &nbsp;&nbsp;&nbsp;To seek long-term growth of capital. | Fundamental All Cap Core Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.70 | %<sup>\*</sup> | 24.24 | 16.16 | 13.71 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Fundamental Large Cap Value Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.72 | %<sup>\*</sup> | 17.02 | 14.16 | 10.86 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Global Equity Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.88 | %<sup>\*</sup> | 10.53 | 7.94 | 5.90 |

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|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** |
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | | **1-Year** | **5-Year** | **10-Year** |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Health Sciences Trust - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*T. Rowe Price Associates, Inc.* | 0.84 | %<sup>\*</sup> | 1.86 | 5.51 | 8.12 |
| &nbsp;&nbsp;&nbsp;The fund seeks high current income. Capital appreciation is a secondary goal. | High Yield Trust - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*Manulife Investment Management (US) LLC* | 0.61 | %<sup>\*</sup> | 9.19 | 3.69 | 4.46 |
| &nbsp;&nbsp;&nbsp;To seek to track the performance of a broad-based equity index of foreign companies primarily in developed countries and, to a lesser extent, in emerging markets. | International Equity Index Trust - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*SSGA Funds Management, Inc.* | 0.34 | %<sup>\*</sup> | 4.90 | 3.88 | 4.69 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | International Small Company Trust - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*Dimensional Fund Advisors LP* | 1.01 | % | 3.11 | 3.40 | 5.34 |
| &nbsp;&nbsp;&nbsp; To provide a high level of current income consistent with the maintenance of principal and liquidity. | Investment Quality Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*Wellington Management Company LLP* | 0.70 | % | 2.05 | 0.02 | 1.66 |
| &nbsp;&nbsp;&nbsp;To seek a balance between a high level of current income and growth of capital, with a greater emphasis on growth of capital. | Lifestyle Balanced Portfolio - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.64 | % | 8.67 | 5.24 | 5.68 |
| &nbsp;&nbsp;&nbsp;To seek a high level of current income with some consideration given to growth of capital. | Lifestyle Conservative Portfolio - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.65 | %<sup>\*</sup> | 4.48 | 2.15 | 3.23 |
| &nbsp;&nbsp;&nbsp;To seek long-term growth of capital. Current income is also a consideration. | Lifestyle Growth Portfolio - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.61 | % | 11.37 | 7.26 | 7.28 |
| &nbsp;&nbsp;&nbsp;To seek a balance between a high level of current income and growth of capital, with a greater emphasis on income. | Lifestyle Moderate Portfolio - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.64 | %<sup>\*</sup> | 7.19 | 4.21 | 4.86 |

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|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** |
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | | **1-Year** | **5-Year** | **10-Year** |
| &nbsp;&nbsp;&nbsp;To seek growth of capital and current income while seeking to both manage the volatility of return and limit the magnitude of portfolio losses. | Managed Volatility Balanced Portfolio - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.75 | % | 9.37 | 3.09 | 4.36 |
| &nbsp;&nbsp;&nbsp;To seek current income and growth of capital, while seeking to both manage the volatility of return and limit the magnitude of portfolio losses. | Managed Volatility Conservative Portfolio - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.74 | % | 3.64 | -0.03 | 2.28 |
| &nbsp;&nbsp;&nbsp;To seek long term growth of capital while seeking to both manage the volatility of return and limit the magnitude of portfolio losses. | Managed Volatility Growth Portfolio - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.77 | % | 11.97 | 3.86 | 4.70 |
| &nbsp;&nbsp;&nbsp;To seek current income and growth of capital while seeking to both manage the volatility of return and limit the magnitude of portfolio losses. | Managed Volatility Moderate Portfolio - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.75 | % | 8.09 | 2.60 | 4.08 |
| &nbsp;&nbsp;&nbsp;To seek long-term growth of capital. | Mid Cap Growth Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Wellington Management Company LLP* | 0.88 | %<sup>\*</sup> | 25.14 | 10.76 | 11.41 |
| &nbsp;&nbsp;&nbsp; Seeks to approximate the aggregate total return of a mid cap U.S. domestic equity market index. | Mid Cap Index Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.40 | %<sup>\*</sup> | 13.47 | 9.92 | 9.26 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Mid Value Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*T. Rowe Price Associates, Inc.* | 0.95 | %<sup>\*</sup> | 16.37 | 12.50 | 9.89 |
| &nbsp;&nbsp;&nbsp; To obtain maximum current income consistent with preservation of principal and liquidity. | Money Market Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.28 | %<sup>\*</sup> | 5.03 | 2.28 | 1.57 |
| &nbsp;&nbsp;&nbsp;To seek maximum total return, consistent with preservation of capital and prudent investment management. | Opportunistic Fixed Income Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Wellington Management Company LLP* | 0.89 | %<sup>\*</sup> | -0.27 | 1.40 | 1.94 |

---

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** |
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | | **1-Year** | **5-Year** | **10-Year** |
| &nbsp;&nbsp;&nbsp;To seek to achieve a combination of long- term capital appreciation and current income. | Real Estate Securities Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Wellington Management Company LLP* | 0.76 | % | 10.79 | 4.43 | 6.14 |
| &nbsp;&nbsp;&nbsp;To seek long-term growth of capital. Current income is incidental to the fund's objective. | Science & Technology Trust - Series NAV<br>John Hancock Variable Trust Advisers<br> LLC/*T. Rowe Price Associates, Inc.* | 0.99 | %<sup>\*</sup> | 37.98 | 18.65 | 18.10 |
| &nbsp;&nbsp;&nbsp;To seek income and capital appreciation. | Select Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.60 | %<sup>\*</sup> | 1.88 | 0.03 | 1.55 |
| &nbsp;&nbsp;&nbsp;To seek a high level of current income consistent with preservation of capital. Maintaining a stable share price is a secondary goal. | Short Term Government Income Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.67 | %<sup>\*</sup> | 2.80 | 0.39 | 0.82 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Small Cap Core Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.87 | %<sup>\*</sup> | 6.01 | 5.05 | 5.95 |
| &nbsp;&nbsp;&nbsp; Seeks to approximate the aggregate total return of a small cap U.S. domestic equity market index. | Small Cap Index Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.48 | %<sup>\*</sup> | 10.87 | 6.99 | 7.47 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Small Cap Opportunities Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Dimensional Fund Advisors LP* | 0.81 | %<sup>\*</sup> | 8.64 | 10.73 | 8.55 |
| &nbsp;&nbsp;&nbsp;To seek long-term capital appreciation. | Small Cap Stock Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Wellington Management Company* LLP | 1.07 | %<sup>\*</sup> | 11.55 | 6.53 | 7.82 |
| &nbsp;&nbsp;&nbsp;To seek long-term growth of capital. | Small Company Value Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*T. Rowe Price Associates, Inc.* | 1.14 | %<sup>\*</sup> | 10.32 | 6.44 | 7.63 |
| &nbsp;&nbsp;&nbsp;To seek a high level of current income. | Strategic Income Opportunities Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LL*C | 0.71 | %<sup>\*</sup> | 3.16 | 1.81 | 2.65 |

---

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** |
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** | | **1-Year** | **5-Year** | **10-Year** |
| &nbsp;&nbsp;&nbsp;To seek to track the performance of the Bloomberg U.S. Aggregate Bond Index (the "Bloomberg Index") (which represents the U.S. investment grade bond market). | Total Bond Market Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.25 | %<sup>\*</sup> | 1.14 | -0.56 | 1.10 |
| &nbsp;&nbsp;&nbsp;Seeks to approximate the aggregate total return of a broad U.S. domestic equity market index. | Total Stock Market Index Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.51 | %<sup>\*</sup> | 23.53 | 13.33 | 11.93 |
| &nbsp;&nbsp;&nbsp;The fund seeks a high level of current income consistent with the maintenance of liquidity and the preservation of capital. | Ultra Short Term Bond Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Manulife Investment Management (US) LLC* | 0.62 | %<sup>\*</sup> | 5.01 | 1.98 | 1.58 |
| &nbsp;&nbsp;&nbsp;To seek long-term growth of capital. | U.S. Growth Trust - Series NAV<br>John Hancock Variable Trust Advisers LLC/*Wellington Management Company LLP* | 0.59 | %<sup>\*</sup> | 30.71 | 17.68 | 16.20 |
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** |  | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** | **Average Annual**<br> **Total Returns**<br> **(as of 12/31/24) (%)** |
| &nbsp;&nbsp;&nbsp;**Investment Objective** | **Portfolio and Adviser*/Subadviser*** | **Current<br>Expenses** |  | **1-Year** | **5-Year** | **10-Year** |
| &nbsp;&nbsp;&nbsp;To seek to provide capital appreciation over a multi-year market cycle, generally at least 3-5 years. | Bain Capital Equity Opportunities Fund - Class 2<br>Bain Capital Public Equity, LP/*Test* | 1.63 | % | N/A | N/A | N/A |
| &nbsp;&nbsp;&nbsp;Seeks to provide maximum capital appreciation. | M Capital Appreciation Fund - Series M<br>M Financial Investment Advisers, Inc./*Frontier Capital Management Company, LLC* | 0.98 | % | 9.94 | 9.04 | 8.67 |
| &nbsp;&nbsp;&nbsp;Seeks to provide long-term capital appreciation. | M International Equity Fund - Series M<br>M Financial Investment Advisers, Inc./*Dimensional Fund Advisors LP* | 0.74 | % | 3.96 | 4.59 | 3.61 |
| &nbsp;&nbsp;&nbsp;Seeks to provide long-term capital appreciation. | M Large Cap Growth Fund - Series M<br>M Financial Investment Advisers, Inc./*Federated Hermes, Inc.* | 0.58 | % | 25.5 | 14.12 | 13.87 |
| &nbsp;&nbsp;&nbsp;Seeks to provide long-term capital appreciation. | M Large Cap Value Fund - Series M<br>M Financial Investment Advisers, Inc./*Brandywine Global Investment Management, LLC* | 0.63 | % | 18.63 | 9.63 | 7.81 |
| &nbsp;&nbsp;&nbsp;To seek to provide capital appreciation. | TOPS <sup>®</sup> Aggressive Growth ETF - Class 2<br>ValMark Advisers, Inc./*Milliman* Financial *Risk Management, LLC* | 0.54 | % | 11.99 | 8.25 | 8.14 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;To seek to provide income and capital appreciation. | 0.55% | 6.86 | 4.68 | 4.84 |
| &nbsp;&nbsp;&nbsp;To seek to preserve capital and provide moderate income and moderate capital appreciation. TOPS <sup>®</sup> Conservative ETF - Class 2<br>ValMark Advisers, Inc./*Milliman Financial Risk Management, LLC* | 0.56% | 6.00 | 3.75 | 3.76 |
| &nbsp;&nbsp;&nbsp;To seek to provide capital appreciation. TOPS <sup>®</sup> Growth ETF - Class 2<br>ValMark Advisers, Inc./*Milliman* Financial *Risk Management, LLC* | 0.55% | 10.79 | 7.38 | 7.25 |
| &nbsp;&nbsp;&nbsp;To seek to provide capital appreciation. TOPS <sup>®</sup> Moderate Growth ETF - Class 2<br>ValMark Advisers, Inc./*Milliman* Financial *Risk Management, LLC* | 0.54% | 8.84 | 6.06 | 6.11 |

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

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The Prospectus relating to the policy and Statement of Additional Information (SAI), both dated July 24, 2025, 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. 333-286257

EDGAR Contract Identifier No. C000261380

## Ex-99.(30)(I)

**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:

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| | |
|:---|:---|
|  John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
|  John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
|  John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
|  John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
|  John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
|  John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
|  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:

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| | |
|:---|:---|
|  John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
|  John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
|  John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
|  John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
|  John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
|  John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
|  John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
|  John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
|  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:

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| | |
|:---|:---|
|  John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
|  John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
|  John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
|  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) # 333-164175 <br> John Hancock Variable Life Account V (Flex V2) # 333-164176

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

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| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |

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Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

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| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL) | # 333-152409 |

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Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:

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| | |
|:---|:---|
|  John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
|  John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
|  John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
|  John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
|  John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020) | # 333-238712 |

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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 July 18, 2025 and remains in effect until revoked or revised.

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| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/ Eileen Cloherty | Chief Accounting Officer<br> and Controller | July 18, 2025 |
| Eileen Cloherty | Chief Accounting Officer<br> and Controller |  |

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**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:

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| | |
|:---|:---|
|  John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
|  John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
|  John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
|  John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
|  John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
|  John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
|  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:

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| | |
|:---|:---|
|  John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
|  John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
|  John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
|  John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
|  John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
|  John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
|  John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
|  John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
|  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:

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| | |
|:---|:---|
|  John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
|  John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
|  John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
|  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) # 333-164175 <br> John Hancock Variable Life Account V (Flex V2) # 333-164176

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

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| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
|  John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
|  John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
|  John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
|  John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
|  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 July 18, 2025 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/ Nora N. Crouch | Director | July 18, 2025 |
| Nora N. Crouch | Director |  |

---

------

**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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
|  John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
|  John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
|  John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
|  John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
|  John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
|  John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
|  John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
|  John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
|  John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
|  John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
|  John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
|  John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
|  John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
|  John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
|  John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
|  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) # 333-164176

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
|  John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
|  John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
|  John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
|  John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
|  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 July 18, 2025 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/ Aimee DeCamillo | Director | July 18, 2025 |
| 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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
|  John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
|  John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
|  John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
|  John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
|  John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
|  John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
|  John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
|  John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
|  John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
|  John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
|  John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
|  John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
|  John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
|  John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
|  John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
|  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) # 333-164176

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
|  John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
|  John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
|  John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
|  John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
|  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 July 18, 2025 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/ Dara Gough | Director | July 18, 2025 |
| 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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
|  John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
|  John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
|  John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
|  John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
|  John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
|  John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
|  John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
|  John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
|  John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
|  John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
|  John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
|  John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
|  John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
|  John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
|  John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
|  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) # 333-164176

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
|  John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
|  John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
|  John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
|  John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
|  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 July 18, 2025 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/ Thomas E. Hampton | Director | July 18, 2025 |
| 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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
|  John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
|  John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
|  John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
|  John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
|  John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
|  John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
|  John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
|  John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
|  John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
|  John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
|  John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
|  John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
|  John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
|  John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
|  John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
|  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) # 333-164176

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
|  John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
|  John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
|  John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
|  John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
|  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 July 18, 2025 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/ J. Stephanie Nam | Director | July 18, 2025 |
| 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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
|  John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
|  John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
|  John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
|  John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
|  John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
|  John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
|  John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
|  John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
|  John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
|  John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
|  John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
|  John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
|  John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
|  John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
|  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) # 333-164176

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
|  John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
|  John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
|  John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
|  John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
|  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 July 18, 2025 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/ Ken Ross | Director | July 18, 2025 |
| 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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
|  John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
|  John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
|  John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
|  John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
|  John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
|  John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
|  John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
|  John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
|  John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
|  John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
|  John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
|  John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
|  John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
|  John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
|  John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
|  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) # 333-164176

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
|  John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
|  John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
|  John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
|  John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
|  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 July 18, 2025 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/ Alex Silva | Chief Financial Officer | July 18, 2025 |
| 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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
|  John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
|  John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
|  John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
|  John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
|  John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
|  John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
|  John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
|  John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
|  John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
|  John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
|  John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
|  John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
|  John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
|  John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
|  John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
|  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) # 333-164176

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |

---

------

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
|  John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
|  John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
|  John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
|  John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
|  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 July 18, 2025 and remains in effect until revoked or revised.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/ Brooks Tingle | President, Chief Executive Officer, Chair, and Director | July 18, 2025 |
| Brooks Tingle | President, Chief Executive Officer, Chair, and Director |  |

---

------

**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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
|  John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
|  John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
|  John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
|  John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
|  John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
|  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:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
|  John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
|  John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
|  John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
|  John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
|  John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
|  John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
|  John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
|  John Hancock Variable Life Account UV (Majestic Variable COLI) | # 333-164169 |

---

Variable Life Registration Statements filed for the John Hancock Variable Life Account U:

---

| | |
|:---|:---|
|  John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
|  John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
|  John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
|  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) # 333-164176

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

---

| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |

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Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

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| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL) | # 333-152409 |

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Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:

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| | |
|:---|:---|
|  John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
|  John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
|  John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
|  John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
|  John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020) | # 333-238712 |

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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 July 18, 2025 and remains in effect until revoked or revised.

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| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/ Shamus Weiland | Director | July 18, 2025 |
| Shamus Weiland |  |  |

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**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:

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| | |
|:---|:---|
|  John Hancock Variable Life Account S (Medallion Executive Variable Life, Medallion Executive Variable Life II, Medallion Executive Variable Life III) | # 333-164150 |
|  John Hancock Variable Life Account S (Majestic Variable Universal Life, Majestic Variable Universal Life 98) | # 333-164151 |
|  John Hancock Variable Life Account S (Variable Master Plan Plus) | # 333-164152 |
|  John Hancock Variable Life Account S (Majestic Variable COLI) | # 333-164153 |
|  John Hancock Variable Life Account S (Variable Estate Protection, Majestic Variable Estate Protection, Majestic Variable Estate Protection 98, Variable Estate Protection Plus) | # 333-164156 |
|  John Hancock Variable Life Account S (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164154 |
|  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:

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| | |
|:---|:---|
|  John Hancock Variable Life Account UV (Annual Premium Variable Life) | # 333-164157 |
|  John Hancock Variable Life Account UV (Flex V1) | # 333-164158 |
|  John Hancock Variable Life Account UV (Flex V2) | # 333-164159 |
|  John Hancock Variable Life Account UV (Medallion Variable Life) | # 333-164160 |
|  John Hancock Variable Life Account UV (Variable Estate Protection) | # 333-164161 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Plus) | # 333-164162 |
|  John Hancock Variable Life Account UV (Variable Estate Protection Edge, Performance Survivorship Variable Universal Life, Majestic Performance Survivorship Variable Universal Life) | # 333-164164 |
|  John Hancock Variable Life Account UV (Majestic Variable Universal Life 98) | # 333-164163 |
|  John Hancock Variable Life Account UV (Majestic Variable Estate Protection 98) | # 333-164165 |
|  John Hancock Variable Life Account UV (Medallion Executive Variable Life III) | # 333-164166 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Plus) | # 333-164167 |
|  John Hancock Variable Life Account UV (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164168 |
|  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:

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| | |
|:---|:---|
|  John Hancock Variable Life Account U (Medallion Variable Life, Medallion Variable Universal Life Plus) | # 333-164171 |
|  John Hancock Variable Life Account U (Annual Premium Variable Life) | # 333-164172 |
|  John Hancock Variable Life Account U (Medallion Variable Universal Life Edge, Medallion Variable Universal Life Edge II) | # 333-164173 |
|  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) # 333-164175 <br> John Hancock Variable Life Account V (Flex V2) # 333-164176

Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account A:

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| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Accumulator, EPVUL, Accumulation Variable Universal Life) | # 333-85284 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (VUL Protector) | # 333-88748 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (SPVL) | # 333-71136 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Survivorship VUL) | # 333-100597 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life) | # 333-124150 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Performance Variable Universal Life) | # 333-131299 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection SVUL/Accumulation SVUL) | # 333-141692 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship VULX) | # 333-148991 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VULX) | # 333-151630 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 08) | # 333-152406 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic VCOLIX) | # 333-153252 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 09) | # 333-157212 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2012) | # 333-179570 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2014) | # 333-193994 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Simplified Life) | # 333-194818 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2017) | # 333-217721 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2019) | #333-233647 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2019) | #333-233648 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Survivorship Variable Universal Life 2020) | #333-236446 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Survivorship Variable Universal Life 2020) | #333-236447 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2021) | #333-248502 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021) | #333-254210 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Accumulation Variable Universal Life 2021) | #333-254211 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2021 Core) | #333-265436 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Protection Variable Universal Life 2023) | #333-266659 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025) | #333-281927 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Accumulation Variable Universal Life 2025 Employer Market) | #333-281928 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025) | #333-286256 |
|  John Hancock Life Insurance Company (U.S.A.) Account A (Majestic Variable Universal Life 2025 Employer Market) | #333-286257 |

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Variable Life Registration Statements filed for the John Hancock Life Insurance Company (U.S.A.) Account N:

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| | |
|:---|:---|
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 03, Corporate VUL 04) | # 333-100567 |
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL 05) | # 333-126668 |
|  John Hancock Life Insurance Company (U.S.A.) Account N (Corporate VUL) | # 333-152409 |

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Variable Life Registration Statements filed for the John Hancock Life Insurance Company of New York Account B:

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| | |
|:---|:---|
|  John Hancock Life Insurance Company of New York Account B (VUL Accumulator) | # 333-85296 |
|  John Hancock Life Insurance Company of New York Account B (VUL Protector) | # 333-88972 |
|  John Hancock Life Insurance Company of New York Account B (SPVL) | # 333-33504 |
|  John Hancock Life Insurance Company of New York Account B (Survivorship VUL) | # 333-100664 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life) | # 333-127543 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL) | # 333-131139 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life) | # 333-131134 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Performance Variable Universal Life) | # 333-132905 |
|  John Hancock Life Insurance Company of New York Account B (Protection SVUL/Accumulation SVUL) | # 333-141693 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Survivorship VULX) | # 333-148992 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VULX) | # 333-151631 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 08) | # 333-152407 |
|  John Hancock Life Insurance Company of New York Account B (Corporate VUL 08) | # 333-152408 |
|  John Hancock Life Insurance Company of New York Account B (Majestic VCOLIX) | # 333-153253 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 09) | # 333-157213 |
|  John Hancock Life Insurance Company of New York Account B (Protection Variable Universal Life 2012) | # 333-179571 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2014) | # 333-193995 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Variable Universal Life 2019) | # 333-235396 |
|  John Hancock Life Insurance Company of New York Account B (Majestic Accumulation Variable Universal Life 2019) | # 333-235397 |
|  John Hancock Life Insurance Company of New York Account B (Accumulation Survivorship Variable Universal Life 2020) | # 333-238712 |

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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 July 18, 2025 and remains in effect until revoked or revised.

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| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| /s/ Adam T. Wise | Director | July 18, 2025 |
| Adam T. Wise |  |  |

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