VARIABLE ANNUITIES |
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Providing strategies that can help your retirement assets last as long as your retirement.
Preparing for retirement may seem intimidating, but John Hancock Annuities can help. Working with your financial advisor, you can develop a strategy for your retirement years that is tailored specifically to meet your financial needs. John Hancock offers you:
An experienced team of asset managers
Because asset managers play a crucial role in how your money is managed, John Hancock carefully selects and
continuously monitors them. We examine the depth and breadth of their experience. We assess their performance
consistency through different market cycles. We measure the level of discipline they apply to their investment
approach. The result: a team of highly skilled asset managers who can help you meet your investment goals.
How a manager makes the cut
When analyzing the thousands of managers available, John Hancock considers many of the same factors Standard & Poor’s considers in determining excellence in portfolio management:
- Depth and breadth of experience
- Consistency of performance through varying market cycles
- Clarity of investment style
- Discipline
Every fund in John Hancock’s platform has completed this rigorous screening process. In fact, the platform has been reviewed by Standard & Poor’s, and has been deemed a suitable basis for constructing well-diversified portfolios for individuals investing for retirement. The Standard & Poor’s Quality Evaluation designation is earned based on an annual assessment of the variable investment options and includes factors such as performance results, style consistency, management tenure, and costs. It was awarded most recently for the 12-month period ended September 30, 2007.
Investment options to match your lifestyle.
John Hancock provides investment options compatible with the goals of both sophisticated and novice
investors. You can choose from a number of portfolios in different asset classes with assorted investment
styles. Or you can select from our Lifestyle Portfolios, which are designed to provide optimal asset
allocation in one portfolio.
Access to guaranteed protection benefits.
To add levels of protection to your retirement assets, you can choose from optional benefits, which are
available for an additional fee.* These include:
- Principal PlusFor Life - An optional rider that helps create withdrawals that span generations.
- Income Plus For Life - An optional rider that helps maximize how your retirement assets are working for you.
- Principal Returns - An optional rider that maximizes income today or principal protection tomorrow.
- Annual Step-Up Death Benefit - locks in investment gains to help protect the assets earmarked for your beneficiaries.
It is important to understand that these optional benefits are available with Venture Variable Annuity contracts only and cannot be elected without purchasing the annuity contract. These benefits may not be appropriate for investors who do not foresee a need for liquidity and whose primary focus is tax deferral. Before considering these benefits, please make sure the annuity is suitable for your investment goals and personal circumstances. Ask your financial consultant how the optional riders might fit into your personal retirement strategy with Venture Annuities. They can help assess your individual needs and evaluate whether the optional benefits are appropriate for you.
The guarantees are backed by the claims-paying ability of the issuer. Optional riders can only be elected at issue, are irrevocable, and may not be available in all products, in conjunction with other riders, or in qualified plans. Features and availability may vary by state. Additional fees, restrictions and limitations apply. See the prospectus for full details.
The future is yours.
More than ever, it is important to partner with a company whose ratings prove they possess
the ability to meet the promises they make, both today and in the future.
Since it’s possible your retirement may last 30 years or more, your partner of choice should have a reputation of long-term strength and stability. John Hancock is one of the most trusted and respected names in financial services.
Companies issuing variable annuities are rated by major agencies. These ratings are reflective of the company’s financial strength and claims paying ability. We at John Hancock believe our disciplined approach toward building our products and portfolio options makes sense in a market designed to help protect your financial assets—for life.
John Hancock’s integrity, stability, and dependability are reflected in unparalleled financial ratings.
AAA Standard & Poor’s: Extremely strong financial security characteristics (1st category of 21)
A++ A.M. Best Company: Superior ability to meet ongoing obligations to policyholders (1st category of 16)
Aa1 Moody’s Investors Service: Excellent financial security (2nd category of 21)
AA+ Fitch Ratings: Very strong capacity to meet policyholder and contract obligations (2nd category of 24)
These ratings, which are current as of the prospectus dated October 2007 and subject to change, are assigned to John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York as a measure of the companies’ ability to honor any guarantees provided by Venture Variable Annuities and any applicable optional riders, but not specifically to the 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. Moody's ratings do not apply to John Hancock Life Insurance Company of New York.
