Helping injury victims and their families make ends meet during difficult times.

A structured settlements annuity provides injury victims or the victim's family with a steady stream of income over time. Instead of taking a lump sum payment - awarded through a pre-trial settlements or court order - the claimant takes an annuity. Then the victim or the victim's family can receive regular tax-free payments to meet future medical expenses and basic living needs. A similar option exists for personal injury lawyers seeking regular income over time versus a lump sum fee.

Get tax-free payments. Structured settlements payments to injury victims are generally exempt from federal and state income taxes. This can produce a higher payout than what could be achieved by investing a lump sum payment. (Note: Attorney fee structured settlements payments are tax-deferred, but not tax-exempt.)

Find security through professional help. Guided by professionals, a structured settlements annuity can help you and your family achieve guaranteed long term income. There's no need for you to spend time trying to figure out an investment strategy.

Payments structured to your needs. Benefit payments can be customized - with regular or varying payments, at set or changing intervals - to address your changing financial needs.

Service, knowledge, experience. John Hancock is known for administrative knowledge, experience and customer service. Over the years, we have gained the investment experience to help ensure a guaranteed, predictable source of income for clients with vastly differing needs.

Innovation, strength, stability. John Hancock Structured Settlements and Attorney Fee Annuities are just two more examples of how innovative thinking can solve difficult problems. John Hancock Life Insurance Company is rated among the top 15 life insurance companies for financial strength and stability as judged by the major rating agencies.