John Hancock Life Insurance Launches New Indexed UL Sales Tool

        John Hancock Life Insurance Launches New Indexed UL Sales Tool

-- "Rate Translator" Demystifies Process Of Setting IUL Assumptions For
Producers And Clients.

PR Newswire

BOSTON, Nov. 26, 2012

BOSTON, Nov. 26, 2012 /PRNewswire/ -- John Hancock Life Insurance has
developed a unique online tool that simplifies the sales process for producers
and helps clients better understand the value of Indexed UL.

The Indexed UL Rate Translator uses a sophisticated yet simple approach to
"translate" a client's long-term equity market expectations into an Indexed UL
illustrated rate. Producers can adjust the cap, floor, and participation rate
for a given index strategy, thus making it easier for them to compare the
risk-and-return profiles of different products.

"Determining an appropriate assumed illustrated rate has been an ongoing
challenge with Indexed UL. The IUL Translator can provide a way to meet client
expectations while also allowing for meaningful comparison between different
products," said Michael Doughty, President and General Manager, John Hancock

"One significant advantage to the Indexed UL Rate Translator is that its
approach is consistent with the longstanding illustration practices of other
product types," Mr. Doughty added. "This innovative tool makes it easier for
producers to explain Indexed UL's unique blend of safety and opportunity and
helps them tell the Indexed UL story more effectively."

About John Hancock Financial and Manulife Financial Corporation
John Hancock Financial is a unit of Manulife Financial Corporation, a leading
Canada-based financial services group with principal operations in Asia,
Canada and the United States. In 2012, John Hancock celebrates 150 years of
serving clients across the United States, while Manulife celebrates its 125^th
anniversary. Operating as Manulife Financial in Canada and in most of Asia,
and primarily as John Hancock in the United States, Manulife Financial
Corporation offers clients a diverse range of financial protection products
and wealth management services through its extensive network of employees,
agents and distribution partners. Funds under management by Manulife Financial
and its subsidiaries were C$514 billion (US$504 billion) as at June 30, 2012.
Manulife Financial Corporation trades as 'MFC' on the TSX, NYSE and PSE, and
under '945' on the SEHK. Manulife Financial can be found on the Internet at

The John Hancock unit, through its insurance companies, comprises one of the
largest life insurers in the United States. John Hancock offers a broad range
of financial products and services, including life insurance, annuities, fixed
products, mutual funds, 401(k) plans, long-term care insurance, college
savings, and other forms of business insurance. Additional information about
John Hancock may be found at, and on Facebook, Twitter,
Linkedin and YouTube.

Insurance policies and/or associated riders and features may not be available
in all states.

Insurance products are issued by: John Hancock Life Insurance Company
(U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life
Insurance Company of New York, Valhalla, NY 10595.

SOURCE John Hancock Life Insurance

Contact: Brian Carmichael, +1-617-663-4748,
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