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JH Essential Income Fixed Annuity

Related Resources JH Essential Income Brochure JH Essential Income Fact Card Solid Financial Ratings Insurance ratings, which are current as of July 10, 2009, and subject to change, apply to John Hancock Life Insurance Company as a measure of the company's claims-paying ability and to honor any guarantees provided by the contract and any applicable optional riders, but not specifically to its products.

A Lifetime of Guaranteed Income Annuity Highlights Minimum Initial Payment $10,000 or more (qualified and non-qualified). Sit back, relax, and enjoy your retirement As you enjoy your retirement, make these years your best with security, stability, and a lifetime of guaranteed income. JH Essential Income has been created to help you plan ahead for the risks that may impact your retirement. Key Features Family Resource Benefits Referral services and programs to help you and your family better understand and manage challenging care situations. Annual Increase Option By electing this option, you can choose to have your initial income start lower, but your payments will increase each year by 1% to 6%, depending on the percentage your choose. Tax Deferral An immediate annuity distributes your money over several years, so you can spread out your taxes instead of paying a large tax bill on a lump-sum distribution. In many cases, a portion of your income payment is excluded from income tax altogether if your annuity is funded with non-qualified money. Versatility You can choose to receive checks regularly (monthly, quarterly, semi-annually or annually) for the rest of your life or in a predetermined fixed period. More Information About JH Essential Income Fixed Annuity Maximum Purchase Payment $1,000,000 without prior home office approval. Maximum Issue Age Issue Ages 5-99 (for later ages a substantial death benefit may be required). Retirement Withdrawals Payments for life (single life annuity). Payments for two lives (joint and survivor annuity). Certain period (3-60 years). Payments for life or for two lives, with a certain period. Payments for a life or two lives, with an installment refund. Payments for life or for two lives, with cash refund. Qualified Plan Availability Available for qualified and non-qualified plans. State Availability Available in all states except OR. JH Essential Income Fixed Annuity Special Features Resources and Consultation You and your immediate family members receive toll-free access to Seniorlink, a national eldercare program that provides professional expertise and personalized advice on a variety of age related issues, services and resources. 1 Competitive Rates John Hancock's Advantage List offers competitive rates at thousands of nursing homes and home health-care agencies across the country.  (Not available in Puerto Rico.) All guarantees are subject to the claims paying ability of the issuing insurance company. John Hancock Fixed Annuities are issued and administered by John Hancock Life Insurance Company, Boston, MA 02210. An annuity is a long-term contract designed for retirement purposes, wealth distribution and wealth transference and not suitable for meeting short-term objectives. Benefits and features are not available in all states. 0709: FAESSINCWEB Policy and Rider Form Series : 07IFA Footnotes: 1 Seniorlink is the current referral-service provider for John Hancock. Seniorlink is not associated with John Hancock Life Insurance Company or its affiliates. This program may be changed or discontinued at any time. Seniorlink is not long-term care insurance.