In this episode, Lindsay Hanson, CMO at John Hancock and Global Head of Behavioral Insurance Strategy at Manulife, invites us to take a closer look at the Longevity Preparedness Index — a groundbreaking framework designed to help financial professionals and individuals take a more holistic approach to aging.Why you should tune in:* See the full picture: The report covers health, care, housing, social connection, and more.* Spot planning gaps: Low scores in care, housing, and health reveal where better preparation is needed.* Start meaningful conversations: Use the insights to talk about tough topics like caregiving and life transitions.* Stand out: Position yourself as a longevity partner, not just a financial advisor.INTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC. Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY110425893-2

In this episode of Hancock Talks, host Mike Bellig is joined by Sarah Young, AVP of New Business Operations, and Kim Parsons, General Director of Life Underwriting. Together, they explore the important role the buying journey plays in the sales cycle.Why you should tune in:* Faster decisions: Discover how digital applications and John Hancock ExpressTrack® can help you close cases faster and get paid sooner.* Smarter solutions: Learn how integrated policy delivery and payment tools are helping make the buying journey smoother and more efficient.* Unified execution: Hear how internal teams and distribution partners are working together to prioritize year-end cases.INTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC. Digital submissions and ExpressTrack are not available in New York. Consumers, 18-60, submitting an application via JH eApp, and applying for single-life coverage up to $3 million are eligible for ExpressTrack, with an opportunity for certain applicants to obtain an instant underwriting decision.Policy issuance is not guaranteed as any life insurance purchase is subject to completion of an application, including health questions, and underwriting approval. John Hancock may obtain additional information, including medical records, to evaluate the application for insurance; and after the policy is issued, to identify any misrepresentation in the application. show lessInsurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. MLINY100725881-3

In this episode of Hancock Talks, we’re excited to welcome Kartik Sakthivel, CIO at LIMRA and LOMA, and Mike Bellig, our new host. Together, they explore how AI is reshaping the advisor-client relationship, streamlining operations, and helping financial professionals better connect with the next generation of clients. Why you should tune in: * Win over Gen Z & Gen Alpha: Discover how AI can help you meet younger generations’ expectations for speed, transparency, and personalization  * Put the “life” back in life insurance: Learn how AI is shifting the narrative from risk to lifestyle, making conversations more meaningful and client-centric * Augment human connection: Understand why AI should be seen as augmented intelligence— a tool to help you work smarter and deepen relationships, not replace them * Start small, scale smart: Get practical tips on integrating AI into your practice today — from email summarization to personalized client insights Listen now to explore how AI can elevate your approach to life insurance sales and future-proof your business. INTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC. Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. MLINY082625941-3 

Join us for this month’s episode of Hancock Talks as host Carly Brooks talks with Dr. Magdalena Kluchko, a board-certified Internist and Medical Director at John Hancock. Gain valuable insights that can elevate your practice, from the essential role medical directors play in the insurance industry to medical developments that could impact your clients. Tune in to explore:* Enhancing underwriting decision-making: Discover how Dr. Kluchko’s expertise helps our team deliver the best-possible decisions — and learn how you can contribute to this process.  * Emerging medical trends: Explore the potential impact of top-of-mind advancements like GLP-1 medications.* Practical applications for producers: Get tips on incorporating new medical insights to improve client conversations. INTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY062725160-4

Tune in to this month's episode of Hancock Talks, where we’re joined by Adrienne Penta, a nationally recognized expert in estate planning, family governance and multigenerational wealth education. Adrienne shares essential insights to help you guide your clients through the anticipated $70 trillion wealth transfer to the next generation.You’ll learn how to:  * Guide multi-generational families effectively: Learn why it’s crucial to focus on both the “how” and the “why” of financial education and planning.* Engage women in the financial-planning process: Discover how to move beyond outdated narratives and gain practical tips to reshape your client conversations.* Stay ahead in the ever-evolving life insurance landscape: Ensure you’re positioned as a key financial representative during the “Great Wealth Transfer.”Listen now to understand how these insights can transform your approach to wealth transfer and client engagement. INTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY052825273-4

Join us as we dive into the world of small business owners and the crucial role key executives play in a company’s success. In this episode, Tracey Ullom, Associate Counsel with Advanced Markets at John Hancock, shares her insights on how executive benefit strategies can positively impact a business’s balance sheet. You’ll gain valuable insights on:  * Why retaining key employees is more cost-effective than replacing them* Strategies such as deferred compensation to reward and retain top talent* How life insurance can enhance executive benefit plans and help navigate related regulationsINTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY041625700-3

Unlock the secrets to engaging with a powerful demographic in the latest episode of Hancock Talks, featuring Marti Barletta, renowned as "the First Lady of Marketing to Women." Dive deep with Marti as she sheds light on the evolving role of women as financial decision-makers. Enhance your client interactions and sales strategies by exploring: * The unique decision-making processes of women* Factors impacting their wealth-building journeys* Tailored marketing strategies for women who are primary earners* How to conduct meaningful financial discussions with womenINTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY031725847-2

Don’t miss the latest episode of Hancock Talks for key insights on how the legislative and tax landscape impacting the life insurance industry may evolve in 2025. In this timely discussion, John Hancock’s Mark Berry and Jen Fox, Vice President of Federal Affairs at Finseca, explore the potential implications for business and clients as the new presidential administration assumes power, such as: * Considering the DOGE effect: Gain perspective on the role and authority of the Department of Government Efficiency (DOGE) and its possible impact* Keeping an eye on tax changes: Discover how campaign tax promises might unfold, e.g., no taxes on Social Security and tips, and a SALT deduction change * Staying focused on priorities: Learn Finseca's key priorities for 2025, including tax treatment of life insurance and policies on estate tax and wealth transferINTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY010925989-4

Don’t miss this episode of Hancock Talks as Carly Brooks and her fellow Advanced Markets’ attorneys share year-end tips and the election’s implications on tax, wealth-transfer and business planning in 2025. This episode is packed with insights and details that enhance the value you offer your clients, including:* Key tax planning reminders for year-end * Potential tax-law changes to watch for in 2025* Planning strategies to help clients successfully navigate an uncertain and evolving landscapeTune in to stay informed and prepared for year end and beyond. INTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY111524927-4

In this special episode of Hancock Talks, Dr. Char Hu discusses his inspiring journey in the long-term care space, including founding The Helper Bees and offers valuable insights on:* The growing preference for “aging in place”* The crucial role of proactive wellness in the aging process* How The Helper Bees enhance the lives and well-being of their clientsINTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY102524217-4

Join Hector Martinez, John Hancock’s new Head of Insurance, as he reflects on his first 100 days in the role. He shares his vision for the company’s future and the benefits for our producers. Key insights include: Leadership and Culture: Fostering competitive leadership, organizational excellence, execution, and team empowerment Goals and Priorities: Streamlining processes to ensure easy access to products and solutions Industry Challenges: Navigating rapid change, AI advancements, regulatory environments, and the evolving roles of financial professionals INTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY102124866-4

Tune in to a special edition of Hancock Talks in celebration of Life Insurance Awareness Month. We’re excited to welcome Marc Cadin, CEO of Finseca, as he sits down with John Hancock's Carly Brooks to discuss some of the industry’s hottest topics, including:* Addressing protection gaps: Tips on helping clients achieve better outcomes* DOL Fiduciary 3.0 update: Keeping the focus on potential challenges and impacts* Legislative landscape: Insights on possible shifts with the upcoming election* US deficit analysis: The implications for clients and their planningMarc Cadin advocates for the crucial role financial services professionals play in helping enhance Americans’ financial security. Tune in now to gain insights that can benefit both you and your clients.INTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY082324023-2

Tune in to this episode of Hancock Talks as we explore the implications of the recent Supreme Court decision in Connelly v. U.S. on buy-selling planning. John Hancock’s Tracey Ullom joins Carly Brooks as they dive into the details, including: * The critical importance of a formal, well-funded buy-sell plan* The potential benefits and drawbacks of an entity-redemption buy-sell arrangement* Key takeaways from the Connelly case and the Supreme Court’s decision* Next steps in guiding your business-owner clients through this evolving landscapeINTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY081524604-4

Join us for this insightful episode of Hancock Talks featuring two life insurance legends, Wayne Baldwin and Doug Koch of John Hancock. With over 100 years of combined experience, they share invaluable insights and strategies that can help you achieve success in today’s changing industry. Tune in to learn about:• Adapting to change: How our industry has evolved and what that means for you• Traits of top agents: Identifying and cultivating the characteristics that lead to success • Standing out: Key sales tactics to help you excel• Staying current: Tax concepts and trends through the years• Effective case design: Best practices for illustrating products and designing casesDon’t miss this opportunity to hear tips from two industry pros on staying ahead in the ever-changing world of life insurance.INTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY071224121-2

In our latest episode of Hancock Talks, join Carly Brooks, and Ana Canelos, of John Hancock’s Advanced Markets team, as they unravel the complexities of estate planning amidst the looming sunset of the lifetime estate tax exemption. Discover how you can help your clients today, with details on:* The pivotal role of survivorship life insurance* Insights on client hesitations — and how you can help* John Hancock’s innovative, new Survivorship Guaranteed Purchase Option* Tips on navigating large survivorship cases with confidenceTune in today to learn how to stay ahead in estate planning.FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY061424574-2

Join us for an engaging conversation on how our underwriting strategies can help enhance your success in our industry's most promising growth area. In this episode, Neal Halder, Vice President and Chief Underwriter, and Greg Dewey, AVP of Underwriting Operations, dive into the details that can make a significant impact on your next case, such as: * Harnessing core strengths — helping you handle even the most complex cases* Understanding retention vs. capacity — what to look for in a large-case carrier * Fostering relationships — to simplify our process and offer the best-possible decisions* Staying ahead of the curve — meeting your clients’ needs, today and tomorrowDon’t miss out on this opportunity to elevate your underwriting acumen and leverage the underwriting advantages that John Hancock offers.FOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY051324018-4

Today we are joined by Mark Berry, Variable Life Vice President at John Hancock, as he draws on his over 20 years of experience in the life insurance industry to share how you can prepare clients for what many cite as their number one financial surprise in retirement — taxes. Join us to learn more about: * The common tax surprises at retirement* Important insights about three typical retirement income buckets * The unique tax advantages and hedging that life insurance can provideINTENDED FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY040324927-2

In the rapidly changing life insurance market, staying ahead of the curve while maintaining trust and stability is crucial for success. Listen to the latest episode of Hancock Talks, where we’ll delve into the importance of evolving to meet the needs of today’s customers — and how John Hancock can help. This podcast will feature a wide-ranging discussion with John Hancock’s Fred Deminico, Head of Sales, and Michelle Dauphinais, Head of Distribution. Join us to gain insights on:* The importance of innovating and modernizing to meet customer needs — and how John Hancock can empower you on that journey * The potential and limitations of AI — and tips on harnessing it to add value to your business* Striking a balance between digitizing and maintaining strong customer relationships* Key trends and developments shaping the future of the life insurance industryFOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY030624634-2

Explore the tender side of estate planning in the latest episode of Hancock Talks, where host Carly Brooks delves into planning’s compassionate essence with Nikki Marie Sherwood, a partner in Nutter’s Private Client Department. Drawing on her extensive experience, Nikki shares how prioritizing the emotional aspects of estate planning can elevate your practice and enrich the legacies of your high-net-worth clients. Tune in for guidance on: * Inspiring action: Uncovering the emotional motivations behind estate planning* Maximizing trust planning: Leveraging non-tax advantages to help achieve clients’ goals* Leaving a “legacy” property: Strategies for seamless property succession* Navigating sensitive conversations: Addressing family dynamics, philanthropy and core values with finesse* Crafting personalized letters of intent: The significance of impactful legacy letters and tips for creating them  * Preparing for tax changes: Proactive steps to help affluent clients prepare for upcoming sunset of estate tax exemptionFOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY021324105-4

Start the new year strong by tuning in to the latest episode of Hancock Talks where host Carly Brooks is joined by Kevin Blanton, an Associate Counsel in our Advanced Markets Group at John Hancock. They dive into the latest legislative trends and planning opportunities that may enhance client discussions in the year ahead. Some of the topics they’ll address include: * The impact of recent inflation adjustments on the lifetime exemption* The lifetime gift and estate tax-exemption sunset — and how to help your clients prepare now to avoid missed opportunities* What today’s clients should consider when legacy planning* Planning strategies that will resonate with business owners in 2024* Legislative and regulatory trends to watch forFOR FINANCIAL PROFESSIONAL USE ONLY. NOT INTENDED FOR USE WITH THE GENERAL PUBLIC.Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.MLINY010424058-3