Indexed Account Changes Effective Immediately

Per Executive Order 13959, and effective immediately, John Hancock is no longer able to purchase derivatives from the Hong Kong-based Hang Seng ^® Index, and therefore no longer offering the Capped Hang Seng Indexed Account. Customers who have money allocated to this account will be able to move their funds to our other indexed account options when their segments mature. If we do not receive a new allocation form, maturing Hang Seng segments will be allocated to the Fixed Account. We will be contacting customers to inform them of this change and to explain what it means and what options they have. None of our other accounts, which are based on the S&P 500 ^® Index, are impacted by the executive order.