Protection SIUL has always been one of the most affordable survivorship indexed UL products on the market. Now with even better pricing, extended guarantees and increased John Hancock Vitality credits for substandard-rated cases, it can serve the needs of even more clients.

The new Protection SIUL offers:

  • Improved premiums for single pays
  • Extended guarantee duration, with guarantees improving 3-10 years
  • Increased Vitality credits on rated cases, making it even more attractive for clients with substandard ratings
  • Enhanced target premiums, with an additional 15% target on single pays and other early funding designs

See how our new Protection SIUL compares:

Male/Female, Age 55, Preferred Non-Smoker, $500,000 Single-Pay Premium

Company/product Face Amount Guarantee Duration (Yrs) Target
John Hancock Protection SIUL ’19 with Vitality (Gold) $6,412,911 29 $76,689
John Hancock Protection SIUL ’19 $5,788,888 30 $69,177
Penn Mutual Survivorship Plus Select IUL $4,438,190 25 $50,107
Lincoln WealthPreserve Survivorship IUL $4,123,931 21 $35,813
Zurich Survivor Index UL $3,794,334 22 $44,081
Prulife SIUL(2019) $3,597,861 40 $31,307
Global Atlantic Survivorship Builder $3,350,431 26 $28,814
AXA Brightlife Protect Survivorship $3,221,943 20 $30,964
The data shown is taken from various company illustrations. PSIUL assumes an annual rate /max rate of return of 6%, competitors are shown at 6% or maximum rate if less. John Hancock assumes 100% allocation to Capped Indexed Account. All products shown assume a one-year point-to-point crediting option. Values are not guaranteed, and certain assumptions are subject to change by the insurer. Actual results may be more or less favorable. The comparisons in this communication are of different products which may vary in premiums, rates, fees, expenses, features, and benefits. Competitor information is current and accurate to the best of our knowledge as of October 2019. This comparison cannot be used with the public. Please have your clients consult with you and their professional advisors to find out which type of life insurance is most suitable for their needs.

State approvals

Protection SIUL ’19 has been approved in all states except California, Guam and New York.

New business and underwriting information

November 22, 2019 – Protection SIUL’.16 applications to be submitted by this date

December 6, 2019 – All Protection SIUL’.16 pending applications must complete their formal underwriting process and all administrative requirements to issue the policy

December 31, 2019 – All Protection SIUL’.16 policies must be paid, inforce and delivered by this date


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