Accumulation Survivorship Indexed Universal Life

Built on John Hancock’s robust indexed universal life (IUL) platform, Accumulation Survivorship IUL (Accumulation SIUL) delivers powerful cash value accumulation and estate liquidity — making it an ideal fit for trust-owned life insurance and legacy maximization.

Issue Ages: 20–90 (Age Nearest Birthday)

Minimum Face Amount: $250,000

Riders Available: Vitality PLUS/Healthy Engagement, Cash Value Enhancement, Cash Value Enhancement Plus, Return of Premium (ROP), Estate Preservation, Policy Split Option, Preliminary Funding Account

Sales Tools

AudienceDocumentUpdatedLink
Consumer UseCost of Long Term Care Calculator07/10/2026Click Here
Advisor Use OnlyStrengthening Planning Conversations Using Personalized Longevity Preparedness Scores Advisor Brochure08/10/2026Click Here
Advisor Use OnlyForms06/09/2026Click Here
Advisor Use OnlyHancock Talks Podcast07/10/2026Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide08/25/2026Click Here
Advisor Use OnlyAspire Microsite Link07/10/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseThe Strength of Our Brand Consumer Flyer07/10/2026LIFE-9460Click Here
Consumer UsePower of Index Crediting Consumer Brochure06/25/2026LIFE-2870Click Here
Consumer UseEarn Vitality Points for Healthy Living Consumer Flyer07/10/2026LIFE-5815Click Here
Consumer UseLong Term Care Rider Consumer Guide06/25/2026LIFE-4226Click Here
Consumer UseProtection with Life Insurance Consumer Guide06/25/2026LIFE-1954PROTECTIONClick Here
Consumer UseSupplementing Income with Life Insurance Consumer Guide06/25/2026LIFE-1954SUPPLEMENTALClick Here
Consumer UseCritical Illness Benefit Rider – How It Works Consumer Flyer06/25/2026LIFE-2548Click Here
Consumer UseIndexed UL Consumer Guide06/25/2026LIFE-6953Click Here
Consumer UseVitality Program Consumer Guide07/10/2026LIFE-2660Click Here
Consumer UseGetting To Gold Vitality Consumer Flyer07/10/2026LIFE-5918Click Here
Advisor Use OnlyBarclays Indexed Accounts Advisor FAQ06/25/2026LIFE-9706FAClick Here
Advisor Use OnlyHistorical Caps Overview Advisor Brochure06/25/2026LIFE-9574Click Here
Advisor Use OnlyRethinking IUL Illustrations Advisor Brochure06/25/2026LIFE-9655Click Here
Advisor Use OnlyIndex Parameters by Product Advisor Guide06/25/2026LIFE-6816Click Here
Advisor Use OnlyUnleash the Power of Planning Advisor Brochure07/10/2026LIFE-8388Click Here
Advisor Use OnlyAdvisor Guide07/10/2026MLI091225198-1Click Here
Advisor Use OnlySpecimen Policy07/10/2026ICC25 25ASIULClick Here
Advisor Use OnlyPreliminary Funding Account Advisor Flyer06/25/2026LIFE-2871Click Here
Advisor Use OnlyLong Term Care Rider Advisor Guide06/25/2026LIFE-4224Click Here
Advisor Use OnlyLife Insurance Product Portfolio07/10/2026LIFE-1832Click Here
Advisor Use OnlyLife Insurance Riders Guide07/10/2026LIFE-7918Click Here
Advisor Use OnlyLiving Benefit Riders Selling Guide07/10/2026LIFE-1989Click Here
Advisor Use OnlyBest Class Basic Criteria07/10/2026LIFE-5872Click Here
Advisor Use OnlyLong Term Care Rider Seller’s Guide06/25/2026LIFE-4225Click Here
Advisor Use OnlyVitality Program Advisor FAQs07/10/2026LIFE-4818Click Here
Advisor Use OnlyRoutine Underwriting Requirements07/10/2026LIFE-5096Click Here
Advisor Use OnlyReturn of Premium Specimen Rider06/25/202608PROROPRClick Here
Advisor Use OnlyMore Opportunities Index Account Options Flyer06/25/2026LIFE-2386Click Here

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