41 86 0 391,567 656,970 1,860,664 2,770,667 2,909,201 115,265 115,265 332,518
42 87 0 391,567 656,970 2,009,576 2,912,488 3,058,113 122,699 122,699 352,596
43 88 0 391,567 656,970 2,164,707 3,060,233 3,213,244 128,834 128,834 372,451
44 89 0 391,567 656,970 2,326,011 3,213,855 3,374,548 135,276 135,276 391,716
45 90 0 391,567 656,970 2,493,394 3,373,268 3,541,931 142,040 142,040 409,957
46 91 0 391,567 656,970 2,631,340 3,538,343 3,679,877 149,142 149,142 391,304
47 92 0 391,567 656,970 2,776,257 3,713,393 3,824,794 156,599 156,599 371,793
48 93 0 391,567 656,970 2,929,584 3,900,118 3,978,121 164,429 164,429 352,469
49 94 0 391,567 656,970 3,093,060 4,100,591 4,141,597 172,650 172,650 334,663
50 95 0 391,567 656,970 3,268,728 4,317,265 4,317,265 181,283 181,283 319,984
Totals: 500,000 3,806,933 2,361,493
51 96 0 391,567 656,970 3,504,375 4,552,912 4,552,912 190,347 190,347 355,767
52 97 0 391,567 656,970 3,753,113 4,801,650 4,801,650 199,864 199,864 394,648
53 98 0 391,567 656,970 4,015,682 5,064,219 5,064,219 209,857 209,857 436,867
54 99 0 391,567 656,970 4,292,865 5,341,402 5,341,402 220,350 220,350 482,682
55 100 0 391,567 656,970 4,585,489 5,634,026 5,634,026 231,368 231,368 532,370
56 101 0 391,567 656,970 4,894,431 5,942,968 5,942,968 242,936 242,936 586,229
57 102 0 391,567 656,970 5,220,616 6,269,153 6,269,153 255,083 255,083 644,577
58 103 0 391,567 656,970 5,565,025 6,613,562 6,613,562 267,837 267,837 707,757
59 104 0 391,567 656,970 5,928,694 6,977,231 6,977,231 281,229 281,229 776,136
60 105 0 391,567 656,970 6,312,719 7,361,256 7,361,256 295,290 295,290 850,107
Totals: 500,000 6,201,094 4,755,654
Policy
Year
EOY
Age
Planned
Premium
Base
Face
Amount
Supplemental
Face
Amount
Required
Additional
Death
Benefit
Policy
Value
Total
Death
Benefit
Annual
Loan
Amount
Annual
Loan
Interest
Net
Death
Benefit
John Hancock Life Insurance Company (U.S.A.)
A LIFE INSURANCE POLICY ILLUSTRATION
A Flexible Premium Universal Life Insurance Policy
Death Benefit Illustration (cont'd)
Sample
Male - Preferred NonSmoker
Age: 45
Initial Death Benefit $391,567
Base Face Amount $391,567
Initial Planned Premium: $25,000.00 / Billing Mode: Annual
Initial Death Benefit Option 2; Death Benefit Option 1 Starting In Year 20
Guideline Premium Test; State: Alabama
Based on Current Charges and Initial Assumed Segment Growth Rate of 5.90%
Illustration Assumptions
Presented By: Mr Agent
Accumulation IUL Form: 21AIUL
Version: 18.2.0 S[0-0-24576-2560-8192] - 199
Winflex
07/18/2022 12:04:13 PM
* This illustration assumes an Index Loan or Fixed Index Loan option, which presents significantly more risk than a Standard Loan, including
the risk that your policy could lapse. You should request additional illustrations showing the effects of different crediting rates and loan
interest charged rates under the Index Loan, Fixed Index Loan, and the Standard Loan option.
** If there is a loan that is collateralized by policy value in the Indexed Accounts, illustrative values for all non-guaranteed assumption
illustrations reflect, for the portion of the policy value in the Indexed Accounts used as collateral for loans, a segment growth rate that is no
greater than the Loan Interest Charged rate plus 0.5%, in addition to any other applicable current charges and current credits. The illustrative
values are hypothetical. The annualized Indexed Performance Charge for the Indexed Account is deducted from your policy value as described
in your contract.
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