Non Qualified Deferred Compensation/JohnHancock

John Hancock Life Insurance Company (U.S.A.)
A Life Insurance Policy Illustration of
Accumulation VUL
A Variable Universal Life Insurance Policy
Prepared For
Valued Client
Presented By
Donald T. McNeill, Jr., ChFC
McNeill Financial Services, LLC
P.O. Box 1839
Thomson, Georgia 30824
Phone: 706-361-0183
Fax: 706-361-0295
E-Mail: dmcneilljr@forestersequity.com
Presented On
Monday, January 19, 2015
This is an illustration only. An illustration is not intended to predict or project actual
performance. Rates of Return, or values that are set forth in the illustration are not
guaranteed, except for those items clearly labeled as guaranteed.
Copyright © 2014 John Hancock Life Insurance Company (U.S.A.). All Rights Reserved.
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM

The purpose of this illustration is to show how the
performance of the underlying investment account
could affect the policy surrender value and death
benefit.
This illustration is hypothetical and may not be used to
predict or project actual performance.
This illustration has been personalized for your
particular objectives.
This is an illustration, not a contract and must be
preceded or accompanied by a current prospectus.
The prospectus contains complete details on
investment objectives, risks, fees, charges and
expenses as well as other information about the
investment company which should be carefully
considered.
Please read the prospectus carefully containing this
and other information on the product and the
underlying portfolios and consider these factors
carefully before investing.
All surrender values and death benefits are shown as
of the end of the year unless noted.
Death Benefit Option 1
The Death Benefit illustrated is the Base Face Amount
plus any Required Additional Death Benefit. Loans and
withdrawals will reduce the policy Death Benefit. The
Net Death Benefit reflects total loan plus any loan
interest due.
Required Additional Death Benefit
The Death Benefit will automatically be increased if
necessary to maintain the minimum amount of
insurance needed to comply with current federal tax law
(Section 7702 of the Internal Revenue Code). This will
ensure that your policy maintains the favorable tax
treatment associated with being a life insurance policy.
No-Lapse Guarantee
The No-Lapse Guarantee (NLG) illustrated ensures the
Base Face Amount will stay in force for 20 years
regardless of actual investment returns provided the
No-Lapse Guarantee Cumulative Premium Test is met.
During the No-Lapse Guarantee Period, if the Net
Surrender Value falls to zero or below, coverage will
continue if the cumulative premiums paid since the
policy was issued, net of withdrawals, net of Policy
Debt, are greater than or equal to $3,714.45 multiplied
by the number of years coverage has been in effect.
There is no additional charge for the No-Lapse
Guarantee included in your policy.
policy was issued, net of withdrawals, net of Policy
Debt, are greater than or equal to $3,714.45 multiplied
by the number of years coverage has been in effect.
There is no additional charge for the No-Lapse
Guarantee included in your policy.
Rider termination or change and or face amount
increases or decreases may cause this premium to be
recalculated. If a policy loan is outstanding and the Net
Policy Value falls to zero, the illustration will stop.
In the first five policy years, the Supplemental Face
Amount plus the Return of Premium Death Benefit
Rider, if elected, will remain in force provided the
No-Lapse Guarantee Cumulative Premium Test is
satisfied. In policy year six and after, if the Net
Surrender Value falls to zero or below, you must pay
additional premiums. If you do not pay additional
premiums, the Supplemental Face Amount plus the
Return of Premium Death Benefit Rider, if elected, may
lapse even if your Base Face Amount does not lapse.
If increasing Supplemental Face Amount or the Return
of Premium Death Benefit Rider is elected, the Base
Face Amount and the Supplemental Face Amount plus
the Return of Premium Death Benefit Rider will remain
in force for the first five policy years, provided the
No-Lapse Guarantee Cumulative Premium Test is
satisfied. In policy year six and after, if the Net
Surrender Value falls to zero or below, your policy will
lapse.
Assumed Gross Rate
Assumed rates are hypothetical and may not represent
past or future actual performance. Actual investment
rates of return may be higher or lower than those
illustrated and will fluctuate in response to changing
market conditions and the allocation chosen among
subaccounts and any fixed account options. In
determining the net rate, this illustration assumes
0.70% average total portfolio annual expenses based
on a weighted average of all available funds offered as
investment options as of November 10, 2014. Total
portfolio annual expenses vary by portfolio(s) selected.
This hypothetical illustration does not reflect investment,
if any, in the Fixed Account.
Each of the Lifestyle funds is a "fund-of funds" that
invest in other underlying funds. To maintain target
allocations for each Lifestyle fund, the underlying funds
may be rebalanced periodically. The "Total Portfolio
A LIFE INSURANCE POLICY ILLUSTRATION
Valuable Information About Your Life Insurance Illustration
Illustration Assumptions
Valued Client
Male - Super Preferred NonSmoker
Age: 38
Initial Death Benefit $1,100,000
Base Face Amount $1,100,000
Initial Planned Premium: $27,000.00 / Billing Mode: Annual
Death Benefit Option 1; Cash Value Accumulation Test
State: Georgia
Assuming Current Charges and an Initial Gross Rate of 8.00% (Net 7.30%)
Accumulation VUL Form: 14ACCVUL
Presented By: Donald T. McNeill, Jr., ChFC
This illustration is only valid when all pages are included and accompanied or preceded by a current prospectus describing the Accumulation VUL policy.
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PMPage 1 of 21

Each of the Lifestyle funds is a "fund-of funds" that
invest in other underlying funds. To maintain target
allocations for each Lifestyle fund, the underlying funds
may be rebalanced periodically. The "Total Portfolio
Annual Expenses" for each Lifestyle fund listed below
include fees and expenses incurred indirectly as a
result of its investment in these underlying funds and
are based on target allocations as of November 10,
2014. Underlying Fund Fees and Expenses are
estimated. Actual amounts are based on the current
fiscal year for the Lifestyle funds.
SubAccount and Fixed Account Options Allocation
Actual charges assessed against each subaccount and
fixed account options vary as follows:
Total Portfolio
Annual Expenses
Premium
Allocation
Aggressive Growth
Emerging Markets Value 1.08% 0.7%
Real Estate Securities 0.75% 2.0%
International Small Company 1.12% 0.4%
Small Cap Opportunities 1.00% 0.8%
International Equity Index B 0.34% 3.3%
Small Cap Index 0.56% 0.8%
Science & Technology 1.09% 0.4%
Financial Industries 0.86% 0.1%
International Value 0.92% 1.8%
American New World 1.45% 0.1%
American Global Growth 1.19% 0.1%
Mid Cap Stock 0.87% 1.8%
American International 1.17% 0.9%
Small Cap Growth 1.10% 1.5%
International Core 1.02% 0.5%
International Growth Stock 0.93% 0.3%
Fundamental All Cap Core 0.71% 11.4%
Health Sciences 1.04% 0.7%
Growth
Small Company Value 1.29% 0.5%
Small Cap Value 1.12% 1.4%
Mid Cap Index 0.41% 1.0%
Value 0.75% 0.5%
American Growth 0.97% 1.1%
Mid Value 1.00% 1.1%
Global 0.90% 0.2%
Blue Chip Growth 0.82% 5.3%
All Cap Core 0.83% 0.2%
Fundamental Large Cap Value 0.69% 0.4%
Total Stock Market Index 0.51% 0.6%
Capital Appreciation 0.74% 1.8%
Growth and Income
Equity-Income 0.83% 4.4%
Alpha Opportunities 1.02% 0.1%
Franklin Templeton Founding Allocation 0.97% 0.3%
U.S. Equity 0.79% 0.3%
500 Index B 0.25% 10.1%
Utilities 0.90% 0.4%
American Growth-Income 0.91% 1.1%
Core Strategy 0.61% 1.2%
American Asset Allocation 0.93% 0.7%
Capital Appreciation Value 0.88% 0.2%
PIMCO VIT All Asset Portfolio 1.34% 0.7%
Income
High Yield 0.74% 1.0%
Global Bond 0.80% 0.9%
Real Return Bond 0.94% 0.5%
Strategic Income Opportunities 0.73% 0.6%
Active Bond 0.65% 4.3%
Investment Quality Bond 0.64% 0.3%
Total Return 0.72% 2.3%
Core Bond 0.63% 0.1%
Total Bond Market B 0.26% 1.2%
Bond 0.60% 0.1%
Short Term Government Income 0.60% 1.1%
Ultra Short Term Bond 0.62% 0.1%
Conservative
Money Market B 0.28% 3.9%
Lifestyle
Lifestyle Aggressive MVP 0.92% 2.2%
Valuable Information About Your Life Insurance Illustration (cont'd)
Valued Client
Age: 38
State: Georgia

Lifestyle Growth MVP 0.74% 7.5%
Lifestyle Balanced MVP 0.72% 11.0%
Lifestyle Moderate MVP 0.71% 1.2%
Lifestyle Conservative MVP 0.69% 0.6%
Fixed Accounts
Fixed Account 0.00% 0.0%
Premiums
This illustration assumes that planned premiums are
paid at the beginning of each modal period indicated.
Based on the following assumptions in this illustration,
additional premiums would be required to maintain
policy benefits starting in the specified year:
Assumptions Year
Maximum Charges/8.00% Gross Rate 42
Maximum Charges/0.00% Gross Rate 22
Payments in excess of the planned premiums are
subject to underwriting approval.
Premium Charge
Premium Charge of 8% of premium will be deducted
from each premium payment in year one. A Premium
Charge of 6% of premium will be deducted from each
premium payment in years 2 through 10 and 2% in
subsequent years, current and guaranteed.
Monthly Administrative Charge
Monthly Administrative Charge of $20.00 will be
assessed in all years, current and guaranteed.
Base Face Amount Charge
Base Face Amount Charge is a charge per $1,000 of
Base Face Amount per policy month. It will be
deducted for the first 10 policy years. A separate per
$1,000 Base Face Amount Charge will be deducted for
the first 10 policy years of any face increase. This
charge varies by age, sex, risk class, death benefit
option and policy year.
Cost of Insurance
Current insurance charges are based on company
experience. The current rates may change, but are
guaranteed never to exceed the maximum rates.
Maximum rates reflect the 2001 CSO Mortality Table.
Asset Based Risk Charge
A charge to cover the risk of adverse mortality and
expense is deducted monthly from the Policy Value.
The charge is assessed on the portion of your Policy
Value allocated to variable investment options. The
current Asset Based Risk Charge is 0.00% for all policy
years. The Guaranteed Asset Based Risk Charge is
0.025% for all policy years.
Asset Credit
We may add a percentage of the portion of your Policy
Value allocated to variable investment options as a
monthly credit to that account. This credit is not
guaranteed. The Asset Credit percentages are
0.0000% per month, Policy Years 1-10 and 0.000125%
thereafter.
Gain or Loss/Interest Credited
This is the investment gain/loss on the Policy Value
based on the rate of return of your policy's investment
options selected or the interest credited on the Fixed
Account, including the amount of interest credited on
the Loan Account.
Policy Value
The Policy Value is the total dollar value of all
investment accounts held in the policy and/or the Fixed
Account, plus the value of any Loan Account.
Withdrawals
Withdrawals reduce the Policy Value and the Death
Benefit. Withdrawals, if illustrated, are assumed taken
at the beginning of each month during the year. A
withdrawal made during the Surrender Charge Period
will result in the assessment of a pro-rata portion of the
Surrender Charge to which the policy is subject. The
portion of the Surrender Charge assessed will be based
on the ratio of the amount of the withdrawal to the Net
Cash Surrender Value of the Policy as of the date of the
withdrawal.
Valued Client
Age: 38
State: Georgia

withdrawal.
Policy Loans
Policy loans may be taken against Policy Value at any
time and if illustrated, are assumed to be taken at the
beginning of each month during the year. The
maximum loan amount available is the greater of a)
90% of the Surrender Value less any indebtedness and
b) the Surrender Value less any indebtedness and less
policy charges and loan spread projected to the end of
the policy year. This illustration assumes a policy loan
interest rate of 3.25% in years 1-10, 2.00 % thereafter
(guaranteed not to exceed 3.25% in years 1-10, 2.25%
thereafter). Interest is currently credited to the Loan
Account at an interest rate of 2.00%in all years. This
rate is guaranteed. The loan interest rate is fixed. Loan
interest is payable in arrears.
Annual Loan Interest
This is the interest charged on the outstanding Policy
Debt. In the event that you do not pay the loan interest
charged in any Policy Year, it will be borrowed against
the policy and added to the Policy Debt in arrears at the
Policy Anniversary.
Net Surrender Value
The Net Surrender Value is the amount available at the
end of each year and reflects all applicable charges.
This amount is shown net of withdrawals and total loan
plus interest due. During the first ten policy years there
is a Surrender Charge assessed if all or part of the
Base Face Amount is reduced. If the policy terminates
for any reason, the amount of any outstanding loan
(that was not previously considered income) could
result in a considerable tax. Under certain situations
involving large amounts of outstanding loans, you might
find yourself having to choose between high premium
requirements to keep your policy from lapsing and a
significant tax burden if you allow the lapse to occur.
Please consult your tax advisor for further information.
Benefits/Riders
This illustration may include optional additional benefits
or insurance riders on the insured. There may be
charges for additional benefits or riders deducted from
the Policy Value. The amount and timing of these
charges varies by the benefit or rider elected.
the Policy Value. The amount and timing of these
charges varies by the benefit or rider elected.
Overloan Protection Rider
The Overloan Protection Rider will prevent your policy
from lapsing when, on any policy month, the
outstanding indebtedness on the policy equals or
exceeds the Policy Value multiplied by a certain
percentage, not to exceed 95%. Exercise of this rider
will result in a "paid up" status. In order to be eligible
for this rider, the insured must be at least 75 years old
and the policy must have been inforce for at least 15
years. In order for the rider to be invoked, the Policy
Indebtedness must exceed the Total Face Amount of
your policy but be less than Policy Value minus a
one-time charge for exercising the rider. Upon the
execution of this rider, a Level Death Benefit will apply
to your policy. After deduction of a one-time charge, all
unloaned policy value will be transferred to the Fixed
Account at the current Fixed Account rate. No
additional policy transactions or policy changes will be
allowed and no further monthly deductions will be
taken. Your total Net Death Benefit will now be equal to
the Total Face Amount plus any Required Additional
Death Benefit less any indebtedness. This rider may
not be available in all states.
Policy Continuation at Age 121
Provided your coverage is in effect on the policy
anniversary nearest the date on which the life insured
reaches attained age 121, coverage will continue after
age 121. The Policy Value will continue to reflect the
investment performance of the chosen subaccounts.
No additional charges, other than those for any
outstanding policy loans, will be deducted. At and after
age 121, any Supplemental Face Amount coverage will
cease.
The tax implications with respect to policies that
continue beyond age 121 are not clear at the present
time. We urge you to consult your tax advisor regarding
this issue if there are questions about what happens
after age 121.
Taxation of Life Insurance
Valued Client
Age: 38
State: Georgia

The information contained in this illustration is based on
certain tax and legal assumptions. We suggest that you
seek professional counsel regarding the interpretation
of current tax laws and accounting practices as they
relate to your actual situation. The Technical and
Miscellaneous Revenue Act (TAMRA) of 1988 classifies
some policies as Modified Endowment Contracts
(MECs). Distributions from these policies (excluding
Death Benefits but including policy loans and
withdrawals) are taxed differently and may be subject to
an IRS 10% penalty tax. TAMRA testing has been
performed on the current scale only.
The initial annual 7-pay premium for this policy is
$41,413.00.
Based on our interpretation of TAMRA, this policy as
illustrated would not be considered a Modified
Endowment Contract (MEC).
Employer-owned Life Insurance.
Where the owner of the policy is the employer of the
life insured, Section 101(j) of the Internal Revenue
Code specifies a number of requirements that must be
satisfied in order for life insurance death benefits to be
excluded from income taxation. The life insureds
must be the employer’s directors and "highly
compensated" employees (as is defined by law). If
the life insured is not a director or highly compensated
employee then the policy's death benefit must be paid
out to the life insured (or to the life insured's
designated beneficiary) or used to redeem an equity
interest in the employer. Before the issuance of the
policy, the insured must (1) be notified in writing that
the employer/policy owner intends to insure the
employee's life and the maximum face amount for
which the employee could be insured; (2) give his/her
written consent to being insured under the policy and
agree that such coverage may continue after the life
insured terminates employment; and (3) be informed
in writing that the employer/policy owner will be a
beneficiary of any proceeds payable upon the death of
the life insured. Finally, the employer/policy owner is
required to keep records and make an annual report
concerning its employer-owned life insurance policies.
Taxpayers should seek the counsel of qualified tax
advisors to determine the applicability of IRC Section
101(j) or other provisions of federal tax law and/or
compliance with the requirements of any such law or
regulation.
Other Considerations
Accumulation VUL is issued by John Hancock Life
Insurance Company (U.S.A.) of Boston, MA 02117 and
distributed by John Hancock Distributors LLC
through other broker dealers appointed by John
Hancock Distributors LLC,197 Clarendon Street,
Boston, MA 02116.
consistently receives high financial strength ratings from
independent rating agencies. For more information,
please visit our website at www.JohnHancock.com.
John Hancock Life Insurance Company (U.S.A.) is
committed to offering the highest quality Annuity, Life
Insurance and Pension products to our clients. Its
family of products has been built around a powerful
combination of investment options chosen with the goal
of providing attractive, risk adjusted returns and broad
diversification across asset classes, investment styles
and asset managers. With John Hancock Life
Insurance Company (U.S.A.)'s broad product lines,
competitive underwriting, excellent ratings and quality
customer service, John Hancock Life Insurance
Company (U.S.A.) is committed to providing quality
products designed to help create and preserve wealth
for clients.
Valued Client
Age: 38
State: Georgia

Coverage Summary
Initial Initial
Coverage Description Amount Premium
Base Face Amount - Level for all years $1,100,000 $27,000.00
Additional Coverage On Insured
Overloan Protection Rider †
Policy Summary
State Georgia
Death Benefit Option 1 From 1 Thru 83
Definition of Life Insurance CVAT
Payment Mode Annual
Distribution Mode Monthly
Charges Current
Assumed Variable Rate 8.00% From 1 Thru 83
Loan Interest Rate 3.25%
2.00%
From 1 Thru 10
From 11 Thru 83
Owner Tax Bracket 35.00% From 1 Thru 83
Initial 7-Pay Premium
Target Premium
$41,413.00
$12,518.00
Minimum Initial Premium $309.69
20 Yr. No-Lapse Guarantee Premium $3,714.45
Initial
Gross
Initial
Net
Premium Assumed Assumed
Allocation Rates Rates
Subaccount 100% 8.00% 7.30%
Fixed Account 0% 4.05% 4.05%
† If elected on the Coverage Details form.
Basic Illustration Summary
Valued Client
Age: 38
State: Georgia
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1 39 27,000 0 0 0 27,000 23,835 2,218 1,100,000
2 40 27,000 0 0 0 27,000 49,795 28,619 1,100,000
3 41 27,000 0 0 0 27,000 77,573 56,635 1,100,000
4 42 27,000 0 0 0 27,000 107,327 86,811 1,100,000
5 43 27,000 0 0 0 27,000 139,208 120,747 1,100,000
6 44 27,000 0 0 0 27,000 173,381 155,911 1,100,000
7 45 27,000 0 0 0 27,000 210,011 195,036 1,100,000
8 46 27,000 0 0 0 27,000 249,279 237,150 1,100,000
9 47 27,000 0 0 0 27,000 291,375 282,714 1,100,000
10 48 27,000 0 0 0 27,000 336,511 336,511 1,100,000
Totals: 270,000 0 0 0 270,000
11 49 27,000 0 0 0 27,000 389,141 389,141 1,149,288
12 50 27,000 0 0 0 27,000 445,547 445,547 1,273,819
13 51 27,000 0 0 0 27,000 505,983 505,983 1,400,511
14 52 27,000 0 0 0 27,000 570,723 570,723 1,529,595
15 53 1,575 0 0 0 1,575 613,349 613,349 1,592,254
16 54 0 0 0 0 0 657,290 657,290 1,653,348
17 55 0 0 0 0 0 704,306 704,306 1,717,451
18 56 0 0 0 0 0 754,607 754,607 1,784,722
19 57 0 60,000 0 0 -60,000 746,107 746,107 1,712,390
20 58 0 60,000 0 0 -60,000 736,892 736,892 1,642,015
Totals: 379,575 120,000 0 0 259,575
21 59 0 60,000 0 0 -60,000 726,905 726,905 1,573,022
22 60 0 60,000 0 0 -60,000 716,092 716,092 1,505,368
23 61 0 60,000 0 0 -60,000 704,390 704,390 1,438,999
24 62 0 60,000 0 0 -60,000 691,732 691,732 1,374,057
25 63 0 19,575 40,425 0 -60,000 718,727 677,998 1,348,354
26 64 0 0 60,305 305 -60,000 765,133 662,941 1,337,636
27 65 0 0 61,463 1,463 -60,000 811,308 646,424 1,322,569
28 66 0 0 62,692 2,692 -60,000 857,140 628,311 1,303,137
29 67 0 0 63,946 3,946 -60,000 902,514 608,460 1,279,299
30 68 0 0 65,225 5,225 -60,000 947,314 586,731 1,250,798
Totals: 379,575 379,575 354,054 13,630 -340,425
Policy
Year
EOY
Age
Planned
Premium
Annual
Withdrawal
Amount
Annual
Loan
Amount
Annual
Loan
Interest
Net
Outlay
Policy
Value
Net
Surrender
Value
Net
Death
Benefit
Detailed Policy Values
Valued Client
Age: 38
State: Georgia

31 69 0 0 66,529 6,529 -60,000 991,280 562,837 1,217,378
32 70 0 0 67,860 7,860 -60,000 1,034,403 536,743 1,179,210
33 71 0 0 9,217 9,217 0 1,078,279 570,666 1,199,842
34 72 0 0 9,953 9,953 0 1,124,443 606,677 1,222,085
35 73 0 0 10,152 10,152 0 1,173,038 644,917 1,246,803
36 74 0 0 10,355 10,355 0 1,224,207 685,524 1,273,878
37 75 0 0 10,562 10,562 0 1,278,097 728,640 1,303,272
38 76 0 0 10,774 10,774 0 1,334,868 774,422 1,335,066
39 77 0 0 10,989 10,989 0 1,394,663 823,008 1,369,436
40 78 0 0 11,209 11,209 0 1,457,655 874,567 1,406,611
Totals: 379,575 379,575 571,655 111,230 -460,425
41 79 0 0 11,433 11,433 0 1,524,035 929,285 1,446,999
42 80 0 0 11,662 11,662 0 1,594,005 987,361 1,491,066
43 81 0 0 11,895 11,895 0 1,667,782 1,049,005 1,538,832
44 82 0 0 12,133 12,133 0 1,745,587 1,114,434 1,590,805
45 83 0 0 12,376 12,376 0 1,827,648 1,183,872 1,647,181
46 84 0 0 12,623 12,623 0 1,914,186 1,257,535 1,707,560
47 85 0 0 12,876 12,876 0 2,005,414 1,335,629 1,772,609
48 86 0 0 13,133 13,133 0 2,101,534 1,418,354 1,842,653
49 87 0 0 13,396 13,396 0 2,202,797 1,505,953 1,918,096
50 88 0 0 13,664 13,664 0 2,309,459 1,598,678 1,999,139
Totals: 379,575 379,575 696,844 236,419 -460,425
51 89 0 0 13,937 13,937 0 2,421,792 1,696,796 2,085,978
52 90 0 0 14,216 14,216 0 2,540,042 1,800,546 2,179,012
53 91 0 0 14,500 14,500 0 2,664,675 1,910,388 2,278,646
54 92 0 0 14,790 14,790 0 2,796,189 2,026,816 2,383,610
55 93 0 0 15,086 15,086 0 2,935,249 2,150,489 2,494,207
56 94 0 0 15,387 15,387 0 3,082,545 2,282,090 2,610,381
57 95 0 0 15,695 15,695 0 3,238,899 2,422,436 2,730,455
58 96 0 0 16,009 16,009 0 3,405,500 2,572,707 2,853,320
59 97 0 0 16,329 16,329 0 3,584,126 2,734,677 2,974,813
60 98 0 0 16,656 16,656 0 3,777,496 2,911,058 3,088,978
Totals: 379,575 379,575 849,449 389,024 -460,425
Policy
Year
EOY
Age
Planned
Premium
Annual
Withdrawal
Amount
Annual
Loan
Amount
Annual
Loan
Interest
Net
Outlay
Policy
Value
Net
Surrender
Value
Net
Death
Benefit
Detailed Policy Values (cont'd)
Valued Client
Age: 38
State: Georgia

61 99 0 0 16,989 16,989 0 3,989,909 3,106,142 3,185,142
62 100 0 0 17,329 17,329 0 4,228,635 3,327,193 3,327,193
63 101 0 0 17,675 17,675 0 4,494,658 3,575,187 3,575,187
64 102 0 0 18,029 18,029 0 4,779,545 3,841,684 3,841,684
65 103 0 0 18,389 18,389 0 5,084,683 4,128,065 4,128,065
66 104 0 0 18,757 18,757 0 5,411,563 4,435,813 4,435,813
67 105 0 0 19,132 19,132 0 5,761,787 4,766,522 4,766,522
68 106 0 0 19,515 19,515 0 6,137,076 5,121,906 5,121,906
69 107 0 0 19,905 19,905 0 6,539,278 5,503,805 5,503,805
70 108 0 0 20,303 20,303 0 6,970,380 5,914,197 5,914,197
Totals: 379,575 379,575 1,035,474 575,049 -460,425
71 109 0 0 20,709 20,709 0 7,432,516 6,355,210 6,355,210
72 110 0 0 21,124 21,124 0 7,927,979 6,829,126 6,829,126
73 111 0 0 21,546 21,546 0 8,459,232 7,338,402 7,338,402
74 112 0 0 21,977 21,977 0 9,028,921 7,885,675 7,885,675
75 113 0 0 22,417 22,417 0 9,639,892 8,473,780 8,473,780
76 114 0 0 22,865 22,865 0 10,295,198 9,105,764 9,105,764
77 115 0 0 23,322 23,322 0 10,998,124 9,784,902 9,784,902
78 116 0 0 23,789 23,789 0 11,752,196 10,514,709 10,514,709
79 117 0 0 24,264 24,264 0 12,561,205 11,298,969 11,298,969
80 118 0 0 24,750 24,750 0 13,429,223 12,141,742 12,141,742
Totals: 379,575 379,575 1,262,237 801,812 -460,425
81 119 0 0 25,245 25,245 0 14,360,626 13,047,395 13,047,395
82 120 0 0 25,750 25,750 0 15,360,115 14,020,620 14,020,620
83 121 0 0 26,265 26,265 0 16,432,743 15,066,457 15,066,457
84 122 0 0 26,790 26,790 0 17,559,920 16,166,309 16,166,309
85 123 0 0 27,326 27,326 0 18,767,932 17,346,449 17,346,449
86 124 0 0 27,872 27,872 0 20,062,653 18,612,740 18,612,740
87 125 0 0 28,430 28,430 0 21,450,381 19,971,470 19,971,470
Totals: 379,575 379,575 1,449,913 989,488 -460,425
Policy
Year
EOY
Age
Planned
Premium
Annual
Withdrawal
Amount
Annual
Loan
Amount
Annual
Loan
Interest
Net
Outlay
Policy
Value
Net
Surrender
Value
Net
Death
Benefit
Detailed Policy Values (cont'd)
Valued Client
Age: 38
State: Georgia

1 27,000 2,160 2,661 52 0 0 1,707 23,835 2,218
2 27,000 1,620 2,661 238 0 0 3,479 49,795 28,619
3 27,000 1,620 2,661 313 0 0 5,371 77,573 56,635
4 27,000 1,620 2,661 362 0 0 7,397 107,327 86,811
5 27,000 1,620 2,661 406 0 0 9,568 139,208 120,747
6 27,000 1,620 2,661 440 0 0 11,894 173,381 155,911
7 27,000 1,620 2,661 477 0 0 14,387 210,011 195,036
8 27,000 1,620 2,661 510 0 0 17,059 249,279 237,150
9 27,000 1,620 2,661 548 0 0 19,925 291,375 282,714
10 27,000 1,620 2,661 580 0 0 22,996 336,511 336,511
Totals: 270,000 16,740 26,609 3,924 0 0 113,784
11 27,000 540 240 637 0 562 26,485 389,141 389,141
12 27,000 540 240 782 0 644 30,324 445,547 445,547
13 27,000 540 240 953 0 731 34,439 505,983 505,983
14 27,000 540 240 1,151 0 825 38,846 570,723 570,723
15 1,575 32 240 1,314 0 886 41,750 613,349 613,349
16 0 0 240 1,512 0 950 44,743 657,290 657,290
17 0 0 240 1,708 0 1,018 47,946 704,306 704,306
18 0 0 240 1,923 0 1,091 51,373 754,607 754,607
19 0 0 240 2,072 0 1,119 52,693 746,107 746,107
20 0 0 240 2,149 0 1,105 52,069 736,892 736,892
Totals: 379,575 18,932 29,009 18,124 0 8,930 534,450
21 0 0 240 2,230 0 1,091 51,392 726,905 726,905
22 0 0 240 2,308 0 1,076 50,659 716,092 716,092
23 0 0 240 2,387 0 1,059 49,866 704,390 704,390
24 0 0 240 2,467 0 1,041 49,008 691,732 691,732
25 0 0 240 2,600 0 1,026 48,384 718,727 677,998
26 0 0 240 2,888 0 1,007 48,528 765,133 662,941
27 0 0 240 3,212 0 983 48,644 811,308 646,424
28 0 0 240 3,563 0 957 48,678 857,140 628,311
29 0 0 240 3,934 0 929 48,619 902,514 608,460
30 0 0 240 4,316 0 898 48,458 947,314 586,731
Totals: 379,575 18,932 31,409 48,029 0 18,996 1,026,687
Policy
Year
Planned
Premium
Premium
Charge
Admin/
BFA
Charges
Cost of
Insurance
Charges
Asset
Based Risk
Charge
Asset
Credit
Gain
or Loss/
Interest
Credited
Policy
Value
Net
Surrender
Value
Annual Account Summary
Valued Client
Age: 38
State: Georgia

31 0 0 240 4,839 0 864 48,181 991,280 562,837
32 0 0 240 5,240 0 827 47,777 1,034,403 536,743
33 0 0 240 5,650 0 828 48,939 1,078,279 570,666
34 0 0 240 6,076 0 880 51,599 1,124,443 606,677
35 0 0 240 6,517 0 936 54,416 1,173,038 644,917
36 0 0 240 6,985 0 995 57,399 1,224,207 685,524
37 0 0 240 7,486 0 1,058 60,558 1,278,097 728,640
38 0 0 240 8,016 0 1,124 63,903 1,334,868 774,422
39 0 0 240 8,604 0 1,195 67,444 1,394,663 823,008
40 0 0 240 9,231 0 1,270 71,194 1,457,655 874,567
Totals: 379,575 18,932 33,809 116,674 0 28,972 1,598,096
41 0 0 240 9,893 0 1,349 75,164 1,524,035 929,285
42 0 0 240 10,590 0 1,433 79,368 1,594,005 987,361
43 0 0 240 11,326 0 1,523 83,820 1,667,782 1,049,005
44 0 0 240 12,109 0 1,618 88,536 1,745,587 1,114,434
45 0 0 240 12,949 0 1,719 93,531 1,827,648 1,183,872
46 0 0 240 13,869 0 1,826 98,821 1,914,186 1,257,535
47 0 0 240 14,892 0 1,939 104,420 2,005,414 1,335,629
48 0 0 240 16,044 0 2,060 110,344 2,101,534 1,418,354
49 0 0 240 17,292 0 2,187 116,607 2,202,797 1,505,953
50 0 0 240 18,647 0 2,322 123,228 2,309,459 1,598,678
Totals: 379,575 18,932 36,209 254,284 0 46,948 2,571,935
51 0 0 240 20,116 0 2,465 130,224 2,421,792 1,696,796
52 0 0 240 21,740 0 2,616 137,614 2,540,042 1,800,546
53 0 0 240 23,326 0 2,776 145,422 2,664,675 1,910,388
54 0 0 240 24,874 0 2,945 153,683 2,796,189 2,026,816
55 0 0 240 26,261 0 3,124 162,437 2,935,249 2,150,489
56 0 0 240 27,511 0 3,315 171,732 3,082,545 2,282,090
57 0 0 240 28,544 0 3,519 181,621 3,238,899 2,422,436
58 0 0 240 29,070 0 3,736 192,174 3,405,500 2,572,707
59 0 0 240 28,601 0 3,969 203,498 3,584,126 2,734,677
60 0 0 240 26,363 0 4,222 215,752 3,777,496 2,911,058
Totals: 379,575 18,932 38,609 510,690 0 79,634 4,266,093
Policy
Year
Planned
Premium
Premium
Charge
Admin/
BFA
Charges
Cost of
Insurance
Charges
Asset
Based Risk
Charge
Asset
Credit
Gain
or Loss/
Interest
Credited
Policy
Value
Net
Surrender
Value
Annual Account Summary (cont'd)
Valued Client
Age: 38
State: Georgia

61 0 0 240 21,032 0 4,499 229,185 3,989,909 3,106,142
62 0 0 240 10,054 0 4,809 244,211 4,228,635 3,327,193
63 0 0 240 0 0 5,159 261,104 4,494,658 3,575,187
64 0 0 240 0 0 5,544 279,583 4,779,545 3,841,684
65 0 0 240 0 0 5,957 299,421 5,084,683 4,128,065
66 0 0 240 0 0 6,401 320,719 5,411,563 4,435,813
67 0 0 240 0 0 6,878 343,586 5,761,787 4,766,522
68 0 0 240 0 0 7,391 368,138 6,137,076 5,121,906
69 0 0 240 0 0 7,942 394,500 6,539,278 5,503,805
70 0 0 240 0 0 8,534 422,808 6,970,380 5,914,197
Totals: 379,575 18,932 41,009 541,776 0 142,748 7,429,348
71 0 0 240 0 0 9,171 453,205 7,432,516 6,355,210
72 0 0 240 0 0 9,854 485,848 7,927,979 6,829,126
73 0 0 240 0 0 10,589 520,903 8,459,232 7,338,402
74 0 0 240 0 0 11,379 558,551 9,028,921 7,885,675
75 0 0 240 0 0 12,228 598,983 9,639,892 8,473,780
76 0 0 240 0 0 13,140 642,407 10,295,198 9,105,764
77 0 0 240 0 0 14,119 689,046 10,998,124 9,784,902
78 0 0 240 0 0 15,173 739,140 11,752,196 10,514,709
79 0 0 240 0 0 16,304 792,945 12,561,205 11,298,969
80 0 0 240 0 0 17,520 850,738 13,429,223 12,141,742
Totals: 379,575 18,932 43,409 541,776 0 272,225 13,761,114
81 0 0 240 0 0 18,827 912,816 14,360,626 13,047,395
82 0 0 240 0 0 20,231 979,498 15,360,115 14,020,620
83 0 0 240 0 0 21,741 1,051,127 16,432,743 15,066,457
84 0 0 0 0 0 0 1,127,177 17,559,920 16,166,309
85 0 0 0 0 0 0 1,208,013 18,767,932 17,346,449
86 0 0 0 0 0 0 1,294,720 20,062,653 18,612,740
87 0 0 0 0 0 0 1,387,728 21,450,381 19,971,470
Totals: 379,575 18,932 44,129 541,776 0 333,024 21,722,193
Policy
Year
Planned
Premium
Premium
Charge
Admin/
BFA
Charges
Cost of
Insurance
Charges
Asset
Based Risk
Charge
Asset
Credit
Gain
or Loss/
Interest
Credited
Policy
Value
Net
Surrender
Value
Annual Account Summary (cont'd)
Valued Client
Age: 38
State: Georgia

1 39 27,000 2,218 -91.79% 1,100,000 3974.07%
2 40 27,000 28,619 -35.55% 1,100,000 490.24%
3 41 27,000 56,635 -16.85% 1,100,000 205.04%
4 42 27,000 86,811 -8.55% 1,100,000 119.40%
5 43 27,000 120,747 -3.70% 1,100,000 80.52%
6 44 27,000 155,911 -1.09% 1,100,000 58.91%
7 45 27,000 195,036 0.79% 1,100,000 45.36%
8 46 27,000 237,150 2.07% 1,100,000 36.17%
9 47 27,000 282,714 3.01% 1,100,000 29.58%
10 48 27,000 336,511 3.97% 1,100,000 24.65%
Totals: 270,000
11 49 27,000 389,141 4.44% 1,149,288 21.53%
12 50 27,000 445,547 4.81% 1,273,819 19.91%
13 51 27,000 505,983 5.10% 1,400,511 18.52%
14 52 27,000 570,723 5.34% 1,529,595 17.33%
15 53 1,575 613,349 5.53% 1,592,254 16.03%
16 54 0 657,290 5.69% 1,653,348 14.93%
17 55 0 704,306 5.82% 1,717,451 14.01%
18 56 0 754,607 5.92% 1,784,722 13.22%
19 57 -60,000 746,107 6.03% 1,712,390 12.23%
20 58 -60,000 736,892 6.11% 1,642,015 11.39%
Totals: 259,575
Policy
Year
EOY
Age
Net
Outlay
Net
Surrender
Value
Internal
Rate Of
Return
Net
Death
Benefit
Internal
Rate Of
Return
----- Surrender Value ----- ----- Death Benefit -----
Internal Rate of Return Illustration
Valued Client
Age: 38
State: Georgia
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM
The IRR on cash value is equivalent to an interest rate at which an amount equal to the illustrated premiums could have been invested
outside the policy to arrive at the net surrender value of the policy.
The IRR on death benefit is equivalent to an interest rate at which an amount equal to the illustrated premiums could have been invested
outside the policy to arrive at the net death benefit of the policy.
Page 13 of 21

21 59 -60,000 726,905 6.17% 1,573,022 10.69%
22 60 -60,000 716,092 6.23% 1,505,368 10.10%
23 61 -60,000 704,390 6.27% 1,438,999 9.60%
24 62 -60,000 691,732 6.31% 1,374,057 9.16%
25 63 -60,000 677,998 6.34% 1,348,354 8.91%
26 64 -60,000 662,941 6.37% 1,337,636 8.73%
27 65 -60,000 646,424 6.39% 1,322,569 8.56%
28 66 -60,000 628,311 6.41% 1,303,137 8.41%
29 67 -60,000 608,460 6.42% 1,279,299 8.26%
30 68 -60,000 586,731 6.43% 1,250,798 8.12%
Totals: -340,425
31 69 -60,000 562,837 6.44% 1,217,378 7.98%
32 70 -60,000 536,743 6.44% 1,179,210 7.86%
33 71 0 570,666 6.44% 1,199,842 7.74%
34 72 0 606,677 6.44% 1,222,085 7.63%
35 73 0 644,917 6.44% 1,246,803 7.52%
36 74 0 685,524 6.43% 1,273,878 7.43%
37 75 0 728,640 6.43% 1,303,272 7.34%
38 76 0 774,422 6.43% 1,335,066 7.26%
39 77 0 823,008 6.43% 1,369,436 7.19%
40 78 0 874,567 6.43% 1,406,611 7.12%
Totals: -460,425
Policy
Year
EOY
Age
Net
Outlay
Net
Surrender
Value
Internal
Rate Of
Return
Net
Death
Benefit
Internal
Rate Of
Return
Internal Rate of Return Illustration (cont'd)
Valued Client
Age: 38
State: Georgia
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM
Page 14 of 21

41 79 0 929,285 6.42% 1,446,999 7.05%
42 80 0 987,361 6.42% 1,491,066 7.00%
43 81 0 1,049,005 6.42% 1,538,832 6.94%
44 82 0 1,114,434 6.42% 1,590,805 6.89%
45 83 0 1,183,872 6.42% 1,647,181 6.85%
46 84 0 1,257,535 6.41% 1,707,560 6.81%
47 85 0 1,335,629 6.41% 1,772,609 6.77%
48 86 0 1,418,354 6.41% 1,842,653 6.74%
49 87 0 1,505,953 6.41% 1,918,096 6.70%
50 88 0 1,598,678 6.40% 1,999,139 6.67%
Totals: -460,425
51 89 0 1,696,796 6.40% 2,085,978 6.65%
52 90 0 1,800,546 6.40% 2,179,012 6.62%
53 91 0 1,910,388 6.39% 2,278,646 6.60%
54 92 0 2,026,816 6.39% 2,383,610 6.58%
55 93 0 2,150,489 6.39% 2,494,207 6.55%
56 94 0 2,282,090 6.39% 2,610,381 6.53%
57 95 0 2,422,436 6.38% 2,730,455 6.51%
58 96 0 2,572,707 6.38% 2,853,320 6.49%
59 97 0 2,734,677 6.38% 2,974,813 6.47%
60 98 0 2,911,058 6.38% 3,088,978 6.44%
Totals: -460,425
Policy
Year
EOY
Age
Net
Outlay
Net
Surrender
Value
Internal
Rate Of
Return
Net
Death
Benefit
Internal
Rate Of
Return
Valued Client
Age: 38
State: Georgia
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM
Page 15 of 21

61 99 0 3,106,142 6.38% 3,185,142 6.41%
62 100 0 3,327,193 6.39% 3,327,193 6.39%
63 101 0 3,575,187 6.40% 3,575,187 6.40%
64 102 0 3,841,684 6.41% 3,841,684 6.41%
65 103 0 4,128,065 6.42% 4,128,065 6.42%
66 104 0 4,435,813 6.43% 4,435,813 6.43%
67 105 0 4,766,522 6.44% 4,766,522 6.44%
68 106 0 5,121,906 6.45% 5,121,906 6.45%
69 107 0 5,503,805 6.46% 5,503,805 6.46%
70 108 0 5,914,197 6.47% 5,914,197 6.47%
Totals: -460,425
71 109 0 6,355,210 6.48% 6,355,210 6.48%
72 110 0 6,829,126 6.49% 6,829,126 6.49%
73 111 0 7,338,402 6.49% 7,338,402 6.49%
74 112 0 7,885,675 6.50% 7,885,675 6.50%
75 113 0 8,473,780 6.51% 8,473,780 6.51%
76 114 0 9,105,764 6.52% 9,105,764 6.52%
77 115 0 9,784,902 6.53% 9,784,902 6.53%
78 116 0 10,514,709 6.54% 10,514,709 6.54%
79 117 0 11,298,969 6.54% 11,298,969 6.54%
80 118 0 12,141,742 6.55% 12,141,742 6.55%
Totals: -460,425
Policy
Year
EOY
Age
Net
Outlay
Net
Surrender
Value
Internal
Rate Of
Return
Net
Death
Benefit
Internal
Rate Of
Return
Valued Client
Age: 38
State: Georgia
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM
Page 16 of 21

81 119 0 13,047,395 6.56% 13,047,395 6.56%
82 120 0 14,020,620 6.57% 14,020,620 6.57%
83 121 0 15,066,457 6.57% 15,066,457 6.57%
84 122 0 16,166,309 6.58% 16,166,309 6.58%
85 123 0 17,346,449 6.58% 17,346,449 6.58%
86 124 0 18,612,740 6.59% 18,612,740 6.59%
87 125 0 19,971,470 6.60% 19,971,470 6.60%
Totals: -460,425
Policy
Year
EOY
Age
Net
Outlay
Net
Surrender
Value
Internal
Rate Of
Return
Net
Death
Benefit
Internal
Rate Of
Return
Valued Client
Age: 38
State: Georgia
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM
Page 17 of 21

1 39 27,000 0 0 1,100,000 589 1,100,000 2,218 1,100,000
2 40 27,000 0 19,887 1,100,000 25,288 1,100,000 28,619 1,100,000
3 41 27,000 0 40,495 1,100,000 51,400 1,100,000 56,635 1,100,000
4 42 27,000 0 60,979 1,100,000 79,403 1,100,000 86,811 1,100,000
5 43 27,000 0 82,761 1,100,000 110,844 1,100,000 120,747 1,100,000
6 44 27,000 0 103,135 1,100,000 143,148 1,100,000 155,911 1,100,000
7 45 27,000 0 124,633 1,100,000 178,985 1,100,000 195,036 1,100,000
8 46 27,000 0 146,093 1,100,000 217,348 1,100,000 237,150 1,100,000
9 47 27,000 0 167,811 1,100,000 258,696 1,100,000 282,714 1,100,000
10 48 27,000 0 194,349 1,100,000 307,772 1,100,000 336,511 1,100,000
Totals: 270,000 0
11 49 27,000 0 215,447 1,100,000 354,695 1,100,000 389,141 1,149,288
12 50 27,000 0 236,242 1,100,000 404,708 1,157,060 445,547 1,273,819
13 51 27,000 0 256,701 1,100,000 457,792 1,267,123 505,983 1,400,511
14 52 27,000 0 276,787 1,100,000 514,088 1,377,807 570,723 1,529,595
15 53 1,575 0 271,648 1,100,000 547,234 1,420,619 613,349 1,592,254
16 54 0 0 264,619 1,100,000 580,578 1,460,387 657,290 1,653,348
17 55 0 0 257,148 1,100,000 615,681 1,501,338 704,306 1,717,451
18 56 0 0 249,142 1,100,000 652,565 1,543,381 754,607 1,784,722
19 57 0 60,000 180,883 1,040,000 629,388 1,444,509 746,107 1,712,390
20 58 0 60,000 112,590 980,000 604,505 1,347,020 736,892 1,642,015
Totals: 379,575 120,000
21 59 0 60,000 44,366 920,000 577,988 1,250,765 726,905 1,573,022
22 60 0 60,000 ## ## 549,727 1,155,637 716,092 1,505,368
23 61 0 60,000 519,586 1,066,466 704,390 1,438,999
24 62 0 60,000 487,270 1,006,466 691,732 1,374,057
25 63 0 60,000 452,255 946,123 677,998 1,348,354
26 64 0 60,000 414,206 884,477 662,941 1,337,636
27 65 0 60,000 372,830 821,444 646,424 1,322,569
28 66 0 60,000 327,819 766,910 628,311 1,303,137
29 67 0 60,000 278,936 706,137 608,460 1,279,299
30 68 0 60,000 225,991 639,003 586,731 1,250,798
Totals: 379,575 720,000
Policy
Year
EOY
Age
Planned
Premium
Net
Income
Net Surrender
Value
Net Death
Benefit
Net Surrender
Value
Net Death
Benefit
Net Surrender
Value
Net Death
Benefit
8.00% Assumed Gross Rate
(7.30% Net Rate)
Maximum Charges
(7.30% Net Rate)
Current Charges
Summary of Policy Values
Valued Client
Age: 38
State: Georgia
(-0.70 % Net Rate)
Maximum Charges
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM
## Indicates that the policy has lapsed under the illustrated assumption. Additional premium would be required to maintain policy
benefits.
Page 18 of 21

31 69 0 60,000 168,730 565,447 562,837 1,217,378
32 70 0 60,000 106,942 485,488 536,743 1,179,210
33 71 0 0 102,617 473,049 570,666 1,199,842
34 72 0 0 97,387 461,488 606,677 1,222,085
35 73 0 0 90,712 449,666 644,917 1,246,803
36 74 0 0 82,428 437,579 685,524 1,273,878
37 75 0 0 72,333 425,219 728,640 1,303,272
38 76 0 0 60,103 412,581 774,422 1,335,066
39 77 0 0 45,365 399,659 823,008 1,369,436
40 78 0 0 27,535 386,447 874,567 1,406,611
Totals: 379,575 840,000
41 79 0 0 5,851 372,937 929,285 1,446,999
42 80 0 0 ## ## 987,361 1,491,066
43 81 0 0 1,049,005 1,538,832
44 82 0 0 1,114,434 1,590,805
45 83 0 0 1,183,872 1,647,181
46 84 0 0 1,257,535 1,707,560
47 85 0 0 1,335,629 1,772,609
48 86 0 0 1,418,354 1,842,653
49 87 0 0 1,505,953 1,918,096
50 88 0 0 1,598,678 1,999,139
Totals: 379,575 840,000
51 89 0 0 1,696,796 2,085,978
52 90 0 0 1,800,546 2,179,012
53 91 0 0 1,910,388 2,278,646
54 92 0 0 2,026,816 2,383,610
55 93 0 0 2,150,489 2,494,207
56 94 0 0 2,282,090 2,610,381
57 95 0 0 2,422,436 2,730,455
58 96 0 0 2,572,707 2,853,320
59 97 0 0 2,734,677 2,974,813
60 98 0 0 2,911,058 3,088,978
Totals: 379,575 840,000
Policy
Year
EOY
Age
Planned
Premium
Net
Income
Net Surrender
Value
Net Death
Benefit
Net Surrender
Value
Net Death
Benefit
Net Surrender
Value
Net Death
Benefit
(7.30% Net Rate)
Maximum Charges
(7.30% Net Rate)
Current Charges
Summary of Policy Values (cont'd)
Valued Client
Age: 38
State: Georgia
(-0.70 % Net Rate)
Maximum Charges
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM
benefits.
Page 19 of 21

61 99 0 0 3,106,142 3,185,142
62 100 0 0 3,327,193 3,327,193
63 101 0 0 3,575,187 3,575,187
64 102 0 0 3,841,684 3,841,684
65 103 0 0 4,128,065 4,128,065
66 104 0 0 4,435,813 4,435,813
67 105 0 0 4,766,522 4,766,522
68 106 0 0 5,121,906 5,121,906
69 107 0 0 5,503,805 5,503,805
70 108 0 0 5,914,197 5,914,197
Totals: 379,575 840,000
71 109 0 0 6,355,210 6,355,210
72 110 0 0 6,829,126 6,829,126
73 111 0 0 7,338,402 7,338,402
74 112 0 0 7,885,675 7,885,675
75 113 0 0 8,473,780 8,473,780
76 114 0 0 9,105,764 9,105,764
77 115 0 0 9,784,902 9,784,902
78 116 0 0 10,514,709 10,514,709
79 117 0 0 11,298,969 11,298,969
80 118 0 0 12,141,742 12,141,742
Totals: 379,575 840,000
81 119 0 0 13,047,395 13,047,395
82 120 0 0 14,020,620 14,020,620
83 121 0 0 15,066,457 15,066,457
84 122 0 0 16,166,309 16,166,309
85 123 0 0 17,346,449 17,346,449
86 124 0 0 18,612,740 18,612,740
87 125 0 0 19,971,470 19,971,470
Totals: 379,575 840,000
Policy
Year
EOY
Age
Planned
Premium
Net
Income
Net Surrender
Value
Net Death
Benefit
Net Surrender
Value
Net Death
Benefit
Net Surrender
Value
Net Death
Benefit
(7.30% Net Rate)
Maximum Charges
(7.30% Net Rate)
Current Charges
Summary of Policy Values (cont'd)
Valued Client
Age: 38
State: Georgia
(-0.70 % Net Rate)
Maximum Charges
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM
benefits.
Page 20 of 21

The Accumulation VUL policy you are considering provides death benefit protection and flexibility of premium payments. It also
has an investment component which allows you to choose from several portfolios, each with its own investment objective. This
information supplements the attached illustration and should help you understand the assumptions which have been used in the
projections of the values.
The Base Face Amount, during No-Lapse Guarantee Period, not including the Additional Death Benefit provided by the
investment performance of your selected portfolios or any Supplemental Face Amount, is guaranteed to be paid at the death of
the Insured (subject to the insurer claims paying ability) as long as No-Lapse Guarantee premium requirements are met. For the
first 5 policy years, the guarantee also applies to the amount of Supplemental Face Amount and Return of Premium Death
Benefit Rider, if elected. This is payable regardless of the policy's investment performance.
Certain aspects of the policy are based on investment performance and will vary depending on a number of factors, including the
portfolios you have selected. Investment performance may vary from that shown on the attached illustration, and would affect:
• Additional Death Benefit provided by investment performance
• Policy Value provided by investment performance
• Total outlay over the lifetime of the policy
The Death Benefit will be reduced by any withdrawals and/or outstanding loans, including loan interest then due. In addition,
there are non-guaranteed expense and cost of insurance charges that may change, but will never exceed the guaranteed
maximums.
How Much Will My Insurance Cost?
The premiums required for the coverage will ultimately depend on the outcome of the underwriting process, and may vary from
what is shown on the attached illustration. If so, you will receive a revised illustration with your insurance contract.
While premiums are payable for the lifetime of the insured, your illustration may show reduced or discontinued premiums in future
years. If actual investment performance is less than illustrated, additional premium may be required to keep the policy inforce.
We recommend that you review additional illustrations using various investment returns to understand how actual performance
may affect the Policy Values and premium payment schedule.
Acknowledgment
I have received a Prospectus and have had an opportunity to carefully review the attached illustration with my Registered
Representative. I understand that some of the values and benefits are non-guaranteed and are likely to change. I realize that the
illustration is not part of the insurance contract.
_______________________________________________________
<ins1si> <ins1dt>
Applicant's Signature Date
____________________________________________________________________________________________________________
<acom> / <af> <afext> <adt><asi>
Registered Rep's Signature (Donald T. McNeill, Jr., ChFC) Agency/Phone Number Date
Accumulation VUL Illustration Explanation
Valued Client
Age: 38
State: Georgia
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM
We appreciate your confidence in John Hancock Life Insurance Company (U.S.A.) and look forward to being of service to you.
Please feel free to contact us with any questions.
Page 21 of 21

1 39 27,000 1,100,000 0 23,835 0 0 0 1,100,000
2 40 27,000 1,100,000 0 49,795 0 0 0 1,100,000
3 41 27,000 1,100,000 0 77,573 0 0 0 1,100,000
4 42 27,000 1,100,000 0 107,327 0 0 0 1,100,000
5 43 27,000 1,100,000 0 139,208 0 0 0 1,100,000
6 44 27,000 1,100,000 0 173,381 0 0 0 1,100,000
7 45 27,000 1,100,000 0 210,011 0 0 0 1,100,000
8 46 27,000 1,100,000 0 249,279 0 0 0 1,100,000
9 47 27,000 1,100,000 0 291,375 0 0 0 1,100,000
10 48 27,000 1,100,000 0 336,511 0 0 0 1,100,000
Totals: 270,000 0 0 0
11 49 27,000 1,100,000 49,288 389,141 0 0 0 1,149,288
12 50 27,000 1,100,000 173,819 445,547 0 0 0 1,273,819
13 51 27,000 1,100,000 300,511 505,983 0 0 0 1,400,511
14 52 27,000 1,100,000 429,595 570,723 0 0 0 1,529,595
15 53 1,575 1,100,000 492,254 613,349 0 0 0 1,592,254
16 54 0 1,100,000 553,348 657,290 0 0 0 1,653,348
17 55 0 1,100,000 617,451 704,306 0 0 0 1,717,451
18 56 0 1,100,000 684,722 754,607 0 0 0 1,784,722
19 57 0 1,100,000 612,390 746,107 60,000 0 0 1,712,390
20 58 0 1,100,000 542,015 736,892 60,000 0 0 1,642,015
Totals: 379,575 120,000 0 0
21 59 0 1,100,000 473,022 726,905 60,000 0 0 1,573,022
22 60 0 1,100,000 405,368 716,092 60,000 0 0 1,505,368
23 61 0 1,100,000 338,999 704,390 60,000 0 0 1,438,999
24 62 0 1,100,000 274,057 691,732 60,000 0 0 1,374,057
25 63 0 1,100,000 289,084 718,727 19,575 40,425 0 1,348,354
26 64 0 1,100,000 339,828 765,133 0 60,305 305 1,337,636
27 65 0 1,100,000 387,453 811,308 0 61,463 1,463 1,322,569
28 66 0 1,100,000 431,967 857,140 0 62,692 2,692 1,303,137
29 67 0 1,100,000 473,353 902,514 0 63,946 3,946 1,279,299
30 68 0 1,100,000 511,381 947,314 0 65,225 5,225 1,250,798
Totals: 379,575 379,575 354,054 13,630
Policy
Year
EOY
Age
Planned
Premium
Base
Face
Amount
Required
Additional
Death
Benefit
Policy
Value
Withdrawal
Amount
Annual
Loan
Amount
Annual
Loan
Interest
Net
Death
Benefit
Death Benefit Illustration
Valued Client
Age: 38
State: Georgia
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM
Death Benefit reflects cumulative withdrawals.

31 69 0 1,100,000 545,821 991,280 0 66,529 6,529 1,217,378
32 70 0 1,100,000 576,870 1,034,403 0 67,860 7,860 1,179,210
33 71 0 1,100,000 607,455 1,078,279 0 9,217 9,217 1,199,842
34 72 0 1,100,000 639,850 1,124,443 0 9,953 9,953 1,222,085
35 73 0 1,100,000 674,924 1,173,038 0 10,152 10,152 1,246,803
36 74 0 1,100,000 712,561 1,224,207 0 10,355 10,355 1,273,878
37 75 0 1,100,000 752,729 1,278,097 0 10,562 10,562 1,303,272
38 76 0 1,100,000 795,512 1,334,868 0 10,774 10,774 1,335,066
39 77 0 1,100,000 841,091 1,394,663 0 10,989 10,989 1,369,436
40 78 0 1,100,000 889,699 1,457,655 0 11,209 11,209 1,406,611
Totals: 379,575 379,575 571,655 111,230
41 79 0 1,100,000 941,749 1,524,035 0 11,433 11,433 1,446,999
42 80 0 1,100,000 997,711 1,594,005 0 11,662 11,662 1,491,066
43 81 0 1,100,000 1,057,610 1,667,782 0 11,895 11,895 1,538,832
44 82 0 1,100,000 1,121,958 1,745,587 0 12,133 12,133 1,590,805
45 83 0 1,100,000 1,190,957 1,827,648 0 12,376 12,376 1,647,181
46 84 0 1,100,000 1,264,211 1,914,186 0 12,623 12,623 1,707,560
47 85 0 1,100,000 1,342,394 2,005,414 0 12,876 12,876 1,772,609
48 86 0 1,100,000 1,425,834 2,101,534 0 13,133 13,133 1,842,653
49 87 0 1,100,000 1,514,940 2,202,797 0 13,396 13,396 1,918,096
50 88 0 1,100,000 1,609,919 2,309,459 0 13,664 13,664 1,999,139
Totals: 379,575 379,575 696,844 236,419
51 89 0 1,100,000 1,710,974 2,421,792 0 13,937 13,937 2,085,978
52 90 0 1,100,000 1,818,509 2,540,042 0 14,216 14,216 2,179,012
53 91 0 1,100,000 1,932,933 2,664,675 0 14,500 14,500 2,278,646
54 92 0 1,100,000 2,052,982 2,796,189 0 14,790 14,790 2,383,610
55 93 0 1,100,000 2,178,966 2,935,249 0 15,086 15,086 2,494,207
56 94 0 1,100,000 2,310,836 3,082,545 0 15,387 15,387 2,610,381
57 95 0 1,100,000 2,446,919 3,238,899 0 15,695 15,695 2,730,455
58 96 0 1,100,000 2,586,113 3,405,500 0 16,009 16,009 2,853,320
59 97 0 1,100,000 2,724,262 3,584,126 0 16,329 16,329 2,974,813
60 98 0 1,100,000 2,855,416 3,777,496 0 16,656 16,656 3,088,978
Totals: 379,575 379,575 849,449 389,024
Policy
Year
EOY
Age
Planned
Premium
Base
Face
Amount
Required
Additional
Death
Benefit
Policy
Value
Withdrawal
Amount
Annual
Loan
Amount
Annual
Loan
Interest
Net
Death
Benefit
Death Benefit Illustration (cont'd)
Valued Client
Age: 38
State: Georgia
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM

61 99 0 1,100,000 2,968,909 3,989,909 0 16,989 16,989 3,185,142
62 100 0 1,100,000 3,128,635 4,228,635 0 17,329 17,329 3,327,193
63 101 0 1,100,000 3,394,658 4,494,658 0 17,675 17,675 3,575,187
64 102 0 1,100,000 3,679,545 4,779,545 0 18,029 18,029 3,841,684
65 103 0 1,100,000 3,984,683 5,084,683 0 18,389 18,389 4,128,065
66 104 0 1,100,000 4,311,563 5,411,563 0 18,757 18,757 4,435,813
67 105 0 1,100,000 4,661,787 5,761,787 0 19,132 19,132 4,766,522
68 106 0 1,100,000 5,037,076 6,137,076 0 19,515 19,515 5,121,906
69 107 0 1,100,000 5,439,278 6,539,278 0 19,905 19,905 5,503,805
70 108 0 1,100,000 5,870,380 6,970,380 0 20,303 20,303 5,914,197
Totals: 379,575 379,575 1,035,474 575,049
71 109 0 1,100,000 6,332,516 7,432,516 0 20,709 20,709 6,355,210
72 110 0 1,100,000 6,827,979 7,927,979 0 21,124 21,124 6,829,126
73 111 0 1,100,000 7,359,232 8,459,232 0 21,546 21,546 7,338,402
74 112 0 1,100,000 7,928,921 9,028,921 0 21,977 21,977 7,885,675
75 113 0 1,100,000 8,539,892 9,639,892 0 22,417 22,417 8,473,780
76 114 0 1,100,000 9,195,198 10,295,198 0 22,865 22,865 9,105,764
77 115 0 1,100,000 9,898,124 10,998,124 0 23,322 23,322 9,784,902
78 116 0 1,100,000 10,652,196 11,752,196 0 23,789 23,789 10,514,709
79 117 0 1,100,000 11,461,205 12,561,205 0 24,264 24,264 11,298,969
80 118 0 1,100,000 12,329,223 13,429,223 0 24,750 24,750 12,141,742
Totals: 379,575 379,575 1,262,237 801,812
81 119 0 1,100,000 13,260,626 14,360,626 0 25,245 25,245 13,047,395
82 120 0 1,100,000 14,260,115 15,360,115 0 25,750 25,750 14,020,620
83 121 0 1,100,000 15,332,743 16,432,743 0 26,265 26,265 15,066,457
84 122 0 0 0 17,559,920 0 26,790 26,790 16,166,309
85 123 0 0 0 18,767,932 0 27,326 27,326 17,346,449
86 124 0 0 0 20,062,653 0 27,872 27,872 18,612,740
87 125 0 0 0 21,450,381 0 28,430 28,430 19,971,470
Totals: 379,575 379,575 1,449,913 989,488
Policy
Year
EOY
Age
Planned
Premium
Base
Face
Amount
Required
Additional
Death
Benefit
Policy
Value
Withdrawal
Amount
Annual
Loan
Amount
Annual
Loan
Interest
Net
Death
Benefit
Death Benefit Illustration (cont'd)
Valued Client
Age: 38
State: Georgia
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM

Financial Strength and Stability
John Hancock's strong ratings, as judged by the major rating agencies, are a
comprehensive measure of the company's financial strength and stability. This
is important because these financial ratings reflect the life insurance company's
ability to pay claims in the future. John Hancock offers clients a diverse range of
financial protection products and wealth management services through its
extensive network of employees, agents, and distribution partners.
Strength. Stability. John Hancock. Presented By: Donald T. McNeill, Jr., ChFC
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM

Product & Concept
Concept Ledger
Approved in Georgia
Product Type Variable Life -- Single Life
Product Accumulation VUL 14
Policy Design
Insured Name Valued Client
Sex Male
Issue Age / Birthdate 01/15/1977
State Georgia
Risk Class Super Preferred NonSmoker
Total Face Amount 1,100,000
Death Benefit Option Option 1
Definition of Life
Insurance Test
CVAT
Premium Schedule
27,000 1 15--
Premium Duration 15
Premium Mode Annual
Fund Type Weighted Average
Assumed Variable Rate 8%
Rate Type Gross
Agent Name Donald T. McNeill, Jr., ChFC
Policy Options
Estimated Policy Issue
Date
Today + 1 Month
Charges Current
Lump Sum Month First
Year
1
MEC Testing Avoid MEC
Distributions Schedule
60,000 Withdrawal To Cap &
Switch To Loans
a57 a70--
Distribution Mode Monthly
Illustrate Overloan
Protection
Yes
Withdrawal Cap Basis
Loan Cap None
Loan Interest Payment
Type
Borrow
Owner Tax Rate 35.00%
Optional Reports
Optional Presentations No Presentation
Optional Reports Yes
Annual Account
Summary
Yes
Cover Page Yes
Internal Rate Of Return Yes
Financial Strength
Report
Yes
Historical Performance
Reports
Yes
Input Summary ~~ Internal Use Only ~~ Internal Use Only ~~
Valued Client
Age: 38
State: Georgia
Version: 11.0 S[0-0-24576-3584-8192] - 365 01/19/2015 01:27:18 PM
John Hancock used the fully allocated expense method to test and verify all products for compliance with the NAIC Life Insurance
Illustration Model Regulation.

Non Qualified Deferred Compensation/JohnHancock

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