The John Hancock Advantage
A guarantee is only as good as the company that offers it
Guaranteed Income for Life is backed by the financial strength of John Hancock - a company committed to helping people build their financial futures for over 100 years.
John Hancock is a unit of Manulife Financial Corporation which serves millions of customers in 19 countries and territories worldwide. Funds under management by Manulife Financial and its subsidiaries were $330.3 billion as at December 31, 2008.
The integrity, stability and dependability of John Hancock has resulted in financial strength ratings from the major rating firms that are among the highest in the industry.
Our impressive financial ratings
For Broker/Dealer Use Only. Not For Use With The Public.
Although "Guaranteed Income for Life" provides a guaranteed income base as well as guaranteed minimum withdrawal benefits, "Guaranteed Income for Life" investment options are variable investments and may lose value. Withdrawals in excess of the guaranteed lifetime income amount will reduce future guaranteed minimum withdrawal benefits proportionally. The guarantees provided are contingent on the plan's trustee’s election to continue maintaining its group annuity contract with John Hancock or the election of a participant to rollover his or her benefits to a recipient rollover vehicle available from John Hancock upon termination of participation in the plan or the termination of the group annuity contract by the plan's trustee.
Both John Hancock Life Insurance Company (U.S.A.) (John Hancock USA) and John Hancock Life Insurance Company of New York (John Hancock New York) do business under certain instances using the John Hancock Retirement Plan Services name. Group annuity contracts are issued by John Hancock USA, 601 Congress Street, Boston, MA 02116, which is licensed and offers products in all states, except New York. Product features and availability may differ by state. Guarantees of withdrawals provided under the “Guaranteed Income for Life” are supported by John Hancock USA’s general account and are contingent on the claims paying ability of John Hancock USA. Group annuity contracts and administrative services or recordkeeping agreements issued in New York are only issued by John Hancock New York, 100 Summit Lake Drive, Valhalla, New York 10595, which is licensed in New York. Guarantees of withdrawals provided under the “Guaranteed Income For Life” are supported by John Hancock New York’s general account and are contingent on the claims paying ability of John Hancock New York. John Hancock Investment Management Services, LLC, a registered investment adviser, provides investment information relating to the contracts. Guarantees are subject to the limitations, terms, and conditions set forth in the Rider. You should consider the objectives, risks, charges, and expenses of the investment options to which the feature applies and the limitations, terms and conditions of the feature as set forth in the Lifetime Income Benefit Rider before selecting this feature.
This information does not constitute legal or tax advice with respect to any taxpayer. It was neither written nor intended for use by any such taxpayer for the purpose of avoiding penalties, and it cannot be so used. If it is used or referred to in promoting, marketing, or recommending any transaction or matter addressed herein, it should be understood as having been written to support such promotion, marketing, or recommendation, and any taxpayer receiving it should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.
Standard & Poor's: Extremely strong financial security characteristics (2nd category of 21). These ratings, current as of March 2, 2009, and are subject to change apply to John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, as a measure of the company’s ability to honor the death benefit and life annuitization guarantees, but not specifically to its products, the performance (return) of these products, the value of any investment in these products upon withdrawal, or to individual securities held in any portfolio. Insurance ratings do not apply to the safety and performance of separate accounts.
To obtain group annuity investment option Fund sheets and prospectuses for each sub-account's underlying investment vehicle call 1-877-346-8378 These documents contain complete details on investment objectives, risks, fees, charges and expenses as well as other information about the underlying investment vehicle, which should be carefully considered. Please read these documents carefully prior to investing.
NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY
© 2008 John Hancock. All rights reserved. | ServerID: 0429