An immediate annuity is based on a one-time premium that provides income that is guaranteed* to last as long as you need it, subject to the claims-paying ability of the issuing insurance company.

The one-time premium is paid to the insurance company, and then the insurance company pays you a customizable pension-like stream of income payments. Payments begin immediately (within 12 months of the contract’s issue date) and can be received monthly, quarterly, semi-annually or annually, for a specific amount of years (2-30 years or for a lifetime, subject to availability). Benefits of an immediate annuity include the following:

• Tax-Efficiency – Money is distributed over several years, which also
  spreads out taxes collected.
• Protection – Assets are protected from potential market downturns.
• Security – Income security is available through several guaranteed
  lifetime payment options.

*All guarantees are subject to the claims paying ability of the issuing insurance company.

Fixed annuities are issued and administered by John Hancock Life Insurance Company, (U.S.A.), Lansing, MI 48304 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.

Comments on taxation are based on John Hancock’s understanding of current tax law, which is subject to change. Please consult your own tax professional for guidelines specific to your situation.

Please contact your financial representative or call 1-800-344-1029 for more information, including product and fund prospectuses that contain complete details on investment objectives, risks, fees, charges, and expenses, as well as other information about
John Hancock, the investment company, and the product and underlying portfolios.



MLINY08091013352
Policy Form Number: 07IFA