PROMOTION RULES

* Certain rules apply. Be sure to review program details, including eligibility and special notes below.  The promotional period includes all Leading Edge policies issued and placed between 1/1/08 and 12/31/08. Limited Pay Premiums will be credited at 40%.  For Internal Replacements, only the increases in premium will count. Bonus does not apply to policy increases made through Lifestyle Benefit Changes and 5% Compound Guarnteed Purchase Inflation Option (GPO).  Bonus dollars are paid quarterly, within 45 days after each quarter ends.

ELIGIBILITY AND SPECIAL NOTES

• This promotion is available to eligible personal producing agents/brokers in states where Leading Edge has been approved.  Certain National Accounts, all banks, broker/dealers, and wirehouses are not included.  Subject to individual state restrictions. In Michigan, bonus not paid on business issued at age 65 and older. Void where prohibited by law, including CA, DE, IN, PA and WI.
• Any taxes related to the award are the responsibilty of the recipient.  In accordance with federal IRS regulations, awards will be reported as income on the qualifier's 2008 IRS Form 1099.
• Bonuses are not transferable or exchangeable for any alternative award.
• John Hancock Long Term Care Insurance reserves the right to make final judgments and decisions regarding the crediting of business, which may include placement ratio and interpretaion of rules.

Long term care insurance is underwitten by John Hancock Life Insurance Company, Boston, MA 02117.

For financial professional use only. Not for use with the public.