JOHN HANCOCK TWO NEW INDEX ACCOUNTS

John Hancock has added two new Index Accounts to their Accumulation IUL.  The Enhanced Capped Account and the Enhanced High Capped Account.  These offer higher Multipliers than the standard Capped and High Capped accounts for higher potential cash accumulation and distributions.  To get the higher multiplier, the Index Performance Charge has increased 3% from 1.98% to 4.98%.  The Standard Capped and High Capped accounts with the lower 1.98% IPC are still available.