Electrify Your Sales

John Hancock’s #1 selling permanent product just got even better!

With extended guarantees and some of the lowest rates in the industry, Protection UL offers a lifetime of affordable security. And with benefits like the John Hancock Vitality Program and the Critical Illness Benefit rider, it’s no wonder Protection UL is our top selling permanent product!

The New Protection UL Offers:

  • NEW Extended guarantees
  • NEW Critical Illness Benefit rider
  • Highly affordable premiums
  • Competitive cash value potential
  • John Hancock Vitality


Great Protection

No lapse guarantee, male, top 2 risk classes

Unmatched Value

Male, age 55, Super Preferred, ten-pay, $1,000,000 death benefit




John Hancock’s Protection UL $19,979
 North American $23, 763 19%
 Penn Mutual $24,071 20%
 American General $24,516 23%
 Nationwide $25,238 26%
 Principal $26,505 33%
 Prudential $26,664 33%
 Mutual of Omaha $27,385 37%
 Symetra $27,643 38%
 Lincoln $30,840 54%


State Approvals and Illustration System

Please refer to the state approval map for most current state approvals. JHIllustrator will be updated as states are approved.


New Business and Underwriting Information



June 30, 2018

If seeking an Informal Offer – the John Hancock home office must receive a Protection UL ’16 illustration signed by the insured and owner, and a tentative underwriting decision must be obtained by this date.

If seeking a Formal Offer – the John Hancock home office must receive a Protection UL ’16 application signed by the insured and owner must be obtained by this date. An illustration on the case is also required.

For a Term Conversion – the John Hancock home office must receive a Term Conversion application signed by the insured and owner by this date.

Please Note: If the policy is to be trust owned, at a minimum the insured’s signature is required on the application by this date.

August 31, 2018 John Hancock must have provided a final underwriting offer, received all administrative requirements to insure the policy, and received confirmation to proceed with the 1035 Exchange (if applicable).



In-force Cases

Please consult John Hancock’s Internal Replacement Guidelines if you have a client considering replacing their existing John Hancock coverage.

Securities offered through The Leaders Group, Inc. Member FINRA/SIPC 26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120, 303-797-9080.

GBS Insurance and Financial Services, Inc. is not affiliated with The Leaders Group, Inc. You may check the background of investment professionals on FINRA Broker Check

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