John Hancock Investor Sentiment Index® update, Portfolio Rate of Return reminder, and more

April 14, 2014

PRODUCT NEWS

Benefit Builder
Portfolio Rate of Return

The next Portfolio Rate of Return for Custom Care III featuring
Benefit Builder policies is now available. We have created the
attached flier that will be updated each quarter to announce the
return. Click here to learn more.

And click here to view the New York state-specific version.

MARKETING NEWS

John Hancock Investor Sentiment Index® holds steady in first quarter of 2014 

The John Hancock Investor Sentiment Index® continued its upward
trend of the past two quarters, increasing to +23 in the first quarter
of 2014 from +22 in the fourth quarter of last year. For more
information, read the full press release here.

Money orders no longer accepted for initial premium payment

Effective immediately, we will no longer accept money orders
for initial premium payments. For more information on initial premium
payments, please see our updated guide.

NEW BUSINESS NEWS

Adverse decision letters update – today, April 14

In accordance with our revised New Business/Underwriting Best
Practices, effective today, April 14th, adverse decision letters will
be mailed directly to the applicants with a copy to the agent. In
addition, in cases where the LTC application has been declined or
postponed, the applicable refund check will be returned directly to
the applicant.

If you have any questions, please contact your dedicated case
manager.

MLI041114083