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Insurance policies and/or associated riders and features may not be available in all states. Some riders may have additional fees and expenses associated with them.

Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

For agent use only. Not for use with the public.

Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.

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This website has been approved by John Hancock and is intended for financial representative use only. By clicking the link below, I acknowledge that I am a licensed life insurance agent and that I take full responsibility for ensuring that this material has been approved by my supervising broker-dealer firm, if applicable.

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