Specimen Healthy Engagement Rider

This rider is made a part of your policy to which it is attached and is effective on the date we attach it to your policy. The Rider Charge is the fee payable for this rider. The Rider Charge is deducted monthly from the Policy Value. The Effective Date of the rider and the Rider Charge are shown in the Policy Specifications.

Beginning on the first Policy Anniversary following the Effective Date, this rider provides the opportunity to add a Rider Credit to your Policy Value based upon the Status of the Life Insured. Any Rider Credit added to your Policy Value will be applied as described in the applicable Effect of Rider on your policy provision described below in this rider.

Capitalized terms throughout this rider are either defined in your policy or relate to fields in the Policy Specifications. See the Definitions section of your policy for details.

The Status of the Life Insured on each Annual Processing Date determines the Rider Credit to be applied to your Policy Value, as described in the Policy Specifications and the Rider Credit provision of this rider.

There are four levels of Status under this rider. The achievement of a Status beyond the first level is dependent upon the Life Insured meeting certain Status Qualification Requirements in each year.

The Status Qualification Requirements are the criteria used as the basis for determining the Status of the Life Insured. The Status Qualification Requirements are shown in the Policy Specifications.

We reserve the right to amend the Status Qualification Requirements from time to time only in accordance with the Administration of this Rider provision. The Life Insured can obtain current information relating to his or her Status and/or the Status Qualification Requirements by visiting [http://www.JohnHancockVitality.com/] or by contacting our Service Office at [1-888-267-7781].

On each Processing Date beginning on the first Policy Anniversary following this rider’s Effective Date, we will apply any Rider Credit to your Policy Value.

The Rider Credit is equal to the Rider Benefit Factor, described below, multiplied by the lesser of (a) and (b), where:

On each Annual Processing Date, we determine the Rider Credit Multiplier to be applied in the current Policy Year as the sum of all Rider Credit Factors earned in the current and subsequent Policy Years. The schedule of Rider Credit Factors that will be applied in the current and subsequent Policy Years are determined on each Annual Processing Date, based on the Status of the Life Insured as of that date.

The Total Death Benefit equals the Insurance Benefit as described in your policy plus any outstanding Policy Debt.

The Rider Credit Limit in any given Policy Month equals (a) multiplied by (b), multiplied by (c), where:

In the event that the current Cost of Insurance Rates ever equal the corresponding Maximum Monthly Cost of Insurance Rates for a given month, the Rider Credit Limit and resulting Rider Credit will equal zero on that Processing Date.

While this rider is in effect, your Policy Value will be calculated in the same manner as described in your policy except that we will add any Rider Credit to your Policy Value, as described below, at the same time that Monthly Deductions are taken. In addition, the Policy Value used in the determination of the Net Amount at Risk does not include any Rider Credit applied on the Processing Date. Rider Credits are nonforfeitable after crediting except indirectly due to any applicable surrender charges.

The Rider Credit for a month in which the policy is in default (as described in the Grace Period provision of your policy) will be applied first to pay any Monthly Deductions that are past due and unpaid and next to reduce the Default Payment; any Rider Credit that remains will be applied to your Guaranteed Interest Account. The same process will apply for any month in which the policy is being continued In Force under its No-Lapse Guarantee or Death Benefit Protection provision, as applicable under your policy, except that there is no Default Payment to be reduced.

Rider Credits and the Rider Charge do not apply to the Cumulative Premium Test under the No-Lapse Guarantee feature, or to the calculation of the Death Benefit Protection Value, as applicable under your policy.

While this rider is in effect, we will add a Policy Credit Measure Rider Credit to the Policy Credit Measure.

The Policy Credit Measure Rider Credit is determined in the same manner as the Rider Credit described above except that:

In addition, the Policy Credit Measure used in the determination of the Policy Credit Measure Net Amount at Risk does not include any Policy Credit Measure Rider Credit applied on the Processing Date.

EFFECT OF RIDER ON FLEXIBLE PREMIUM INDEXED UNIVERSAL LIFE INSURANCE POLICIES

The Rider Credit is applied to the Guaranteed Interest Account and each Indexed Account in the same proportion that the Policy Value in each of the accounts bears to the total Policy Value net of the Loan Account immediately prior to applying any Rider Credit.

For the portion of the Rider Credit that is applied to an Indexed Account, we will apply that portion of the Rider Credit to each Segment of that Indexed Account and to the Holding Segment in the same proportion that the Segment Balance and the amount in the Holding Segment bear to the total portion of the Policy Value in the Indexed Account immediately prior to applying any Rider Credit.

The Rider Credit for a month in which the policy is in default (as described in the Grace Period provision of your policy) will be applied first to pay any Monthly Deductions that are past due and unpaid and next to reduce the Default Payment; any Rider Credit that remains will be applied to your Policy Value in accordance with the Net Premium allocation instructions then in effect. The same process will apply for any month in which the policy is being continued In Force under the No-Lapse Guarantee or Death Benefit Protection provision, as applicable under your policy, except that there is no Default Payment to be reduced.

While this rider is in effect, your Adjusted Segment Crediting Balance will be calculated in the same manner as described in your policy except we will include any Rider Credit in the calculation. For purposes of this calculation, each Rider Credit is first multiplied by the ratio of the number of months remaining in the Segment Term after the date the Rider Credit is applied, divided by the number of months in the entire Segment Term.

The Initial Segment Balance includes any Rider Credits applied to a Holding Segment after the Lock In Date.

The Cumulative Guarantee provision of your policy describes an alternative method of calculating the Policy Value. Under this method, Rider Credits and Rider Charges are included in the calculation of the Policy Value. Rider Credits will be calculated in the same manner as described in the Rider Credit provision of this rider except that the Cost of Insurance Charge and the Net Amount at Risk are replaced with the Cost of Insurance Charge and the Net Amount at Risk used in the alternative method. The Rider Credits will be applied to the Policy Value under the Cumulative Guarantee at the same time that Monthly Deductions are taken.

EFFECT OF RIDER ON FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE POLICIES

The Rider Credit is applied to the Fixed Account, each Investment Account, and each Indexed Account (if applicable) in the same proportion that the Monthly Deductions are taken from those same accounts.

For the portion of the Rider Credit that is applied to an Indexed Account, we will apply that portion of the Rider Credit to each Segment of that Indexed Account and to the Holding Segment in the same proportions that the Segment Balance and the amount in the Holding Segment bear to the total portion of the Policy Value in the Indexed Account immediately prior to applying any Rider Credit.

The Rider Credit for a month in which the policy is in default (as described in the Grace Period provision of your policy) will be applied first to pay any Monthly Deductions that are past due and unpaid and next to reduce the Default Payment; any Rider Credit that remains will be applied to your Policy Value in accordance with the allocation instructions then in effect for premium payments. The same process will apply for any month in which the policy is being continued In Force under its No-Lapse Guarantee or Death Benefit Protection provision, as applicable under your policy, except that there is no Default Payment to be reduced.

The Initial Segment Balance includes any Rider Credits applied to a Holding Segment after the Lock In Date.

This rider, along with the written application for the policy and this rider, is attached to and made part of your policy and constitutes the entire contract between you and us. Should any provisions in the policy conflict with this rider, the provisions of this rider will prevail.

The Status Qualification Requirements may be administered directly by us or through an affiliated or unaffiliated company designated by us. We reserve the right to designate or replace any such company at any time. You will receive notice from us if an affiliated or unaffiliated company administers the Status Qualification Requirements or if there is a change in such entity administering the Status Qualification Requirements.

We may amend the Status Qualification Requirements from time to time but not more frequently than once in any 12-month period except with the prior consent of the New York State Department of Financial Services. Any amendments will be based on our reasonable and actuarially-justified expectations of the impact such requirements may have upon future mortality, persistency, investment income, and expenses under the policy. Such amendments could affect the Life Insured’s ability to achieve a Status level. Any change to the Status Qualification Requirements will be determined prospectively on a basis equitable to all Life Insureds of a given class. The Life Insured can obtain current information relating to his or her Status and/or the Status Qualification Requirements by visiting [http://www.JohnHancockVitality.com/] or by contacting our Service Office at [1-888-267-7781].

In addition, we or an affiliated or unaffiliated company designated by us will offer incentives to the Life Insured designed to encourage engagement activities that help meet the Status Qualification Requirements. Certain incentives may not be available to the Life Insured after the Rider Charge ceases, as shown in the Policy Specifications. We reserve the right to amend the incentives from time to time to add an incentive or to replace or change an existing incentive if the replacement or change is at least as favorable as the existing incentive. Any other changes to the incentives will not occur more frequently than once in any 12-month period except with the prior consent of the New York State Department of Financial Services. The Life Insured can obtain current information relating to the incentives by visiting [http://www.johnhancockvitality.com/] or by contacting our Service Office at [1-888-267-7781].

There may be costs to the Life Insured associated with fulfilling a Status Qualification Requirement that may not be reimbursed by the Company. Examples of such costs include, but are not limited to, health coverage co-pays, health club fees, athletic event registration fees, health equipment, health monitoring devices, athletic attire, and online access fees. Any costs that Company does reimburse, either in whole or in part, will be applied in a uniform and non-discriminatory manner.

If you are not satisfied with any of the changes we make, you may discontinue this rider at any time, as described below.

In no event will the Company use the Status or any medical or other information about the Life Insured provided in order to meet Status Qualification Requirements:

You may make a Written Request to discontinue this rider at any time. Upon discontinuation, the Rider Charge will cease and no new Rider Credit Factors will be earned. As long as your policy remains In Force, Rider Credits will continue to be applied based on all previously-earned Rider Credit Factors and Rider Credit Grading Factors subject to the Rider Credit Limit. Access to incentives for the Life Insured will cease.

This rider will terminate at the same time as your policy. Please see the Policy Termination provision of your policy. No Rider Credit Factors will be earned and no Rider Credits will be applied once the policy to which this rider is attached is terminated.

If your policy and this rider terminate at the end of a Grace Period in which you did not make the Default Payment, you may apply for reinstatement of your policy and this rider in accordance with the Reinstatement provisions of your policy.

For purposes of calculating new Rider Credits following the date of reinstatement, we will determine the Rider Credit Multiplier and the Rider Credit Factors using the Status of the Life Insured on the next Annual Processing Date following the date of reinstatement. The Rider Credit Multiplier and the Rider Credit Factors are described in the Policy Specifications.

For purposes of applying Rider Credits earned in prior Policy Years following the date of reinstatement, the number of Elapsed Years in determining the Rider Credit Grading Factors will be measured from the Policy Year in which the applicable Rider Credit was first earned. The Rider Credit Grading Factors are shown in the Policy Specifications.

Each Annual Processing Date that would have occurred had your policy been In Force will be included in the calculation of the number of Annual Processing Dates for the purpose of calculating the Rider Credit Multiplier and the Rider Credit Factors.

No Rider Credit Factors will be earned and no Rider Credits will be applied once the policy to which this rider is attached is terminated. Any Rider Credit earned in prior Policy Years, that would have applied if the policy were still In Force, will not be applied to the Policy Value upon reinstatement.




		President

IMPORTANT NOTICE: Until the Life Insured earns a Status beyond the first level, no Rider Credit Factors will be earned and no new Rider Credits will be applied to your Policy Value. The achievement of a Status beyond the first level is dependent upon the Life Insured meeting certain Status Qualification Requirements in each year.


Rider Credit Multiplier		On each of the first [45] Annual Processing Dates, if this rider is in effect, we determine the Rider Credit Multiplier to be applied in the current Policy Year as the sum of all Rider Credit Factors earned in the current and prior Policy Years.

Rider Credit Factors		On each of the first [45] Annual Processing Dates, if this rider is in effect, based on the Status of the Life Insured as of that date, you earn a schedule of Rider Credit Factors that will be applied in the current and subsequent Policy Years.

		The Rider Credit Factor earned in a Policy Year, that is scheduled to be applied in the current or a subsequent Policy Year, is equal to (a) multiplied by (b), where:

		(a) is the Rider Credit Rate from the Rider Credit Rates Table corresponding to the Policy Year and Status when earned; and

		(b) is the Rider Credit Grading Factor corresponding to the number of years elapsed between the Policy Year when earned and the Policy Year in which it is applied.



Rider Credit Grading Factors	Elapsed Years	Rider Credit Grading Factor	Elapsed Years	Rider Credit Grading Factor
	0	100%	11	45%
	1	95%	12	40%
	2	90%	13	35%
	3	85%	14	30%
	4	80%	15	25%
	5	75%	16	20%
	6	70%	17	15%
	7	65%	18	10%
	8	60%	19	5%
	9	55%	20+	0%
	10	50%


Rider Credit Limit Multiplier	Policy Years	Rider Credit Limit Multiplier
	1-3	1.00
	4+	1.00


Rider Benefit Base		$20,000,000

Rider Charge		$2.00 per month for Policy Years 1 – [45]


20HER		1		NY


20HER		2		NY


20HER		3		NY


20HER		4		NY