Lowest initial premium Term product with premiums that may fluctuate based on Vitality Status

• The John Hancock Vitality Program is a built-in feature on this product and cannot be removed.
• Premiums are level at Gold status and can increase or decrease based on the level of Vitality participation.
• Ideal for clients who want upfront premium savings.

Term Durations: 10-, 15-, 20- and 30-year

Underwriting: Full underwriting and accelerated underwriting (via John Hancock ExpressTrack — see the Accelerated Underwriting section below for more details)

Premiums adjust based upon engagement and Vitality Status earned each year:

• Platinum — decreasing premiums
• Gold — level premiums
• Silver — increasing premiums
• Bronze — increasing premiums

Minimum Face Amount: $250,000
Maximum Face Amount: $20 million

Issue Ages:

• 10-Year Term: 20‐80
• 15-Year Term: 20‐75
• 20-Year Term: 20‐65
• Renewable through age 94

Risk Classes: Super Preferred Non-Smoker, Preferred Non-Smoker, Standard Plus Non-Smoker, Standard Non-Smoker, Preferred Smoker, Standard Smoker, Substandard

Conversions: available during the earlier of attained age 70 and the end of the term-duration period.
Convertible in policy years one to four to any permanent life product available for sale. From year five to the end of the term duration, convertible to designated product only. Policyholders who have Gold or Platinum status on each of the three annual processing dates prior to the date of the conversion, can convert to any product for the first 10 years

Riders: Accelerated Benefit rider, Total Disability Waiver rider, Unemployment Protection rider

Replacements: Allowed after the first policy year

EXPRESSTRACK (Accelerated Underwriting):

• Issue ages 20-60
• Up to and including $3 million face amount
• Applications initiated via a John Hancock Ticket or ApplicInt’s Express Complete Multi-Carrier Ticket

Vitality Rewards

FACE AMOUNT $2 MILLION AND ABOVE — FULL REWARDS:

• Apple Watch® Series 3 or Series 4
• Complimentary Fitbit® device and discounted devices
• Free biometric screening
• Vitality Squares & Vitality Wheel
• Hotel discounts
• 25% healthy gear discount
• 25% discount on Vitality HealthyFood™ benefit (Year 1 for all, Years 2+ for Gold and Platinum)
• Gym discounts

FACE AMOUNT UNDER $2 MILLION — MODIFIED REWARDS:

• Apple Watch Series 3 or Series 4
• Complimentary Fitbit device & discounted devices
• Free biometric screening (first year only)
• Vitality Squares & modified Vitality Wheel
• 15% healthy gear discount
• 10% discount on Vitality HealthyFood benefit (Year 1 for all, Years 2+ for Gold and Platinum)
• Gym discounts