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 Calculator10/22/2025Click Here
Advisor Use OnlyForms11/20/2025Click Here
Advisor Use OnlyHancock Talks Podcast10/22/2025Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide03/10/2026Click Here
Advisor Use OnlyBenefit Better Microsite Link10/22/2025Click Here
Advisor Use OnlyAspire Microsite Link10/22/2025Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseThe Strength of Our Brand Consumer Flyer10/06/2025LIFE-9460Click Here
Consumer UsePower of Index Crediting Consumer Brochure10/06/2025LIFE-2870Click Here
Consumer UseEarn Vitality Points for Healthy Living Consumer Flyer10/22/2025LIFE-5915Click Here
Consumer UseLong Term Care Rider Consumer Guide09/17/2025LIFE-4226Click Here
Consumer UseProtection with Life Insurance Consumer Guide09/17/2025LIFE-1954PROTECTIONClick Here
Consumer UseSupplementing Income with Life Insurance Consumer Guide09/17/2025LIFE-1954SUPPLEMENTALClick Here
Consumer UseCritical Illness Benefit Rider – How It Works Consumer Flyer09/17/2025LIFE-2548Click Here
Consumer UseIndexed UL Consumer Guide10/06/2025LIFE-6953Click Here
Advisor Use OnlyBarclays Indexed Accounts Advisor FAQ10/06/2025LIFE-9706FAClick Here
Advisor Use OnlyHistorical Caps Overview Advisor Brochure10/06/2025LIFE-9574Click Here
Advisor Use OnlyRethinking IUL Illustrations Advisor Brochure10/06/2025LIFE-9655Click Here
Advisor Use OnlyIndex Parameters by Product Advisor Guide10/06/2025LIFE-6816Click Here
Advisor Use OnlyUnleash the Power of Planning Advisor Brochure10/06/2025LIFE-8388Click Here
Advisor Use OnlyLeverage the John Hancock Advantage Advisor Guide10/06/2025LIFE-7901AClick Here
Advisor Use OnlyAdvisor Guide10/06/2025MLI091225198-1Click Here
Advisor Use OnlySpecimen Policy10/06/2025ICC25 25ASIULClick Here
Advisor Use OnlyPreliminary Funding Account Advisor Flyer09/17/2025LIFE-2871Click Here
Advisor Use OnlyLong Term Care Rider Advisor Guide09/17/2025LIFE-4224Click Here
Advisor Use OnlyLife Insurance Product Portfolio10/22/2025LIFE-1832Click Here
Advisor Use OnlyLife Insurance Riders Guide10/22/2025LIFE-7918Click Here
Advisor Use OnlyLiving Benefit Riders Selling Guide10/22/2025LIFE-1989Click Here
Advisor Use OnlyBest Class Basic Criteria10/22/2025LIFE-5872Click Here
Advisor Use OnlyLong Term Care Rider Seller’s Guide09/17/2025LIFE-4225Click Here
Advisor Use OnlyVitality Program Advisor FAQs10/22/2025LIFE-4818Click Here
Advisor Use OnlyRoutine Underwriting Requirements10/22/2025LIFE-5096Click Here
Advisor Use OnlyReturn of Premium Specimen Rider09/17/202508PROROPRClick Here
Advisor Use OnlyMore Opportunities Index Account Options Flyer10/06/2025LIFE-2386Click Here

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