*Further important disclosures and details of how Benefit Builder's automatic crediting mechanism and buy-up options work will beprovided prior to the launch of the product. Benefit Builder requires a Life and Health Insurance license only.

Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York)and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02117.For financial professional use only. Not for use with the public.LTC Newslink 3347MLI102314195

November 3, 2014

Custom Care III featuring Benefit Builder to be available in California effective November 10th We are pleased to announce that effective November 10, 2014, John Hancock is re-entering the California market with the introduction of Custom Care III featuring Benefit Builder (non-partnership product only).

Custom Care III featuring Benefit Builder*

Benefit Builder is a first-of-its-kind feature that provides an affordable alternative to more costly traditional inflation options. It includes:

• Automatic Crediting - allows policyholders to gradually grow their benefits over timewhen the investment return earned on John Hancock's general account portfolio supportingthis feature exceeds certain thresholds. Through this process, benefit increases aredetermined by a specific formula and are applied annually.

• Voluntary Buy-up Options - allow for additional flexibility by providing the policyholderwith the opportunity every three years through age 75 to increase benefits by 10%, for anyreason, without medical exams or questions about health or underwriting. (Subject tocontinued acceptance of buy up offers)

Please note: The rates for this new product are gender-distinct. The unisex rates have been filed with the state of California. We await approval of unisex rates and will provide more information via Newslink when available. Therefore, this product is not available in the California Employer Sponsored Group market, where unisex rates must be provided.

*Further important disclosures and details of how Benefit Builder's automatic crediting mechanism and buy-up options work will be provided prior to the launch of the product. Benefit Builder requires a Life and Health Insurance license only. Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02117. For financial professional use only. Not for use with the public. LTC Newslink 3347 MLI102314195

About the Custom Care III featuring Benefit Builder Product

Custom Care III featuring Benefit Builder offers comprehensive coverage and also includes the CPI Compound and 5% Compound Inflation options, making this a truly flexible product that will allow you to customize a plan to fit virtually any client’s needs. (Please note: these inflation options are not available in combination with the Benefit Builder feature.)

The following are new built-in benefits that are being added to the Custom Care III featuring Benefit Builder product: • Paid-up at 95 Benefit - After a policyholder reaches age 95, the coverage remains in effect,

but premiums will no longer be payable. This is our new standard-pay option. • Hospice Care Benefit - Hospice Care Services not reimbursable by Medicare can now be

paid before the Elimination Period at 100% of the Benefit Amount.

Producer support materials The following producer support materials for Custom Care III featuring Benefit Builder in California will be available on November 10th on JHLTC.com: Producer Guide (LTC-8522CA ) - Provides complete product and marketing information for the sale of Custom Care III featuring Benefit Builder. Includes in-depth information on how the Benefit Builder feature works. Download only. Available to order the week of November 17th. Facts-at-a-Glance (LTC-8523CA) - A quick-reference tool that includes a high level description of the benefits and features of Custom Care III featuring Benefit Builder. Download only. Collateral Guide (LTC-8534 CA) - provides a summary of the materials available to market this policy. Download only. Custom Care III featuring Benefit Builder – California Training Powerpoint Presentation (LTC-8530 NonC-CA) Provides insight into Custom Care III featuring Benefit Builder with a review of policy features, benefits, and competitive positioning. Download only.

Application booklet The Custom Care III featuring Benefit Builder application booklet (LTC-9520CA) for California will be available for order on November 10th on JHLTC.com. The application booklet contains a checklist on how to complete the package, HIPAA Medical Authorization form, Outline of Coverage, and all state-required forms.

*Further important disclosures and details of how Benefit Builder's automatic crediting mechanism and buy-up options work will be provided prior to the launch of the product. Benefit Builder requires a Life and Health Insurance license only. Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02117. For financial professional use only. Not for use with the public. LTC Newslink 3347 MLI102314195

Illustration Support The Hansel Illustrator Desktop Software (version 17.3) will be available for download on November 10, 2014. You can illustrate Custom Care III featuring Benefit Builder on eHansel and Hansel Illustrator Desktop Software.

LTC Captivate John Hancock's new web-selling platform for LTC insurance will be available in California effective November 10, 2014. The Plan and Apply modules only are approved for use. As an online system that supports an entirely paperless sales and application process, LTC Captivate is designed to eliminate the geographic and logistical hurdles that often exist in today's busy world. As a result, it enables producers and their clients to conduct business in settings and time frames that better suit their mutual needs. To learn how to get started with LTC Captivate for California, click here to view an informative Brainshark presentation, or enroll in one of the training webinar scheduled in November.

Consumer product marketing materials The following consumer materials have been approved by the state of California and will be available to download and order on November 10, 2014

• Product Brochure (LTC-9500CA) — explains the Benefit Builder feature and highlights,

other core policy benefits such as the Advantage Provider Program and Caregiver Support Services, and more.

• Benefit Builder: How it Works (LTC-9502CA) — describes how the Benefit Builder feature

works.

• Mini Overview Brochure (LTC-9504CA) — provides a high-level overview of the product features and benefits.

Consumer needs-based marketing materials The following materials will help you to prospect and market long-term care insurance in

California.

• Needs Overview Brochure (LTC-8700CA) — Describes the issues associated with long-term care and emphasizes the need for LTC insurance planning.

• Boomer Target Market Brochure (LTC-8302CA) A needs-based brochure that focuses on the boomer market. Use as a presentation or prospecting tool.

*Further important disclosures and details of how Benefit Builder's automatic crediting mechanism and buy-up options work will be provided prior to the launch of the product. Benefit Builder requires a Life and Health Insurance license only. Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02117. For financial professional use only. Not for use with the public. LTC Newslink 3347 MLI102314195

• Postcard (LTC-8710CA) “Someday will be here before you know it.” This postcard is intended to prompt prospects to learn more about LTC insurance and the Benefit Builder option by calling or emailing you. Order and customize on www.jhltc.com. Size 6” x 9.”

Underwriting process and guideline changes

We have identified opportunities to streamline the current LTC application and underwriting information gathering process. These changes were introduced in May to all states, with the product and pricing changes and are now being implemented in California along with the new Custom Care III featuring Benefit Builder product launch.

The new California application (LTC-APP14 CA) has been enhanced to remove the health questions, which makes for an improved producer experience.

• All personal health information will now be collected by a licensed health professional during the paramedical exam.

• Upon receiving an application, John Hancock will initiate contact with our paramedical service partner. The examiner will be completing a paramedical exam, including recording the proposed insured’s health information and collecting blood and urine samples for all applicants. Additionally, a brief cognitive screen and functional assessment will be conducted during this exam for individuals ages 65 and older.

Underwriting guideline changes We have also developed more comprehensive guidelines to qualify applicants for the Preferred rate class.

• Expanded BMI guidelines: Changed from unisex to gender specific

o Female: 18-32 o Male: 18-34

• Nicotine Abstinence: Extended from 12 to 36 months

• Family History: (applicable up to age 70)

o No parent or sibling with Coronary Artery Disease or Stroke prior to age 50(males) or 60 (females)

o No parent or sibling with Dementia diagnosed prior to age 70 or Parkinson’s disease diagnosed prior to age 50

• Best Care Guidelines: Applicants ages 60 and older must have been seen by their physician

within the past 24 months for a comprehensive physical exam

*Further important disclosures and details of how Benefit Builder's automatic crediting mechanism and buy-up options work will be provided prior to the launch of the product. Benefit Builder requires a Life and Health Insurance license only. Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02117. For financial professional use only. Not for use with the public. LTC Newslink 3347 MLI102314195

Updated materials for underwriting changes

The following are new materials that will be available on November 10th to support the underwriting changes. LTC Field Underwriting Guide (LTC-1727 – November, 2014 Edition) The updated tool provides guidelines to medical conditions and underwriting determinations. Insurability Screening Guide - (LTC-2173) This new producer tool will help you determine your client’s insurability. This is a key part of the initial sales process now that the medical questions are no longer collected by the agent. This can be downloaded from jhltc.com. There is also an abbreviated version that is part of the producer instructions in the new application booklets.

Preparing For Your Paramedical Exam (LTC-2172) This new consumer brochure will help your client prepare for the Paramedical exam. This can be ordered and downloaded from jhltc.com.