JH Essential Income Fixed Annuity
Solid Financial
Ratings

Insurance ratings, which are current as of August 14, 2012, and subject to change, apply to John Hancock Life Insurance Company (U.S.A.), Lansing, MI, (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY, 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 single premium immediate annuity
Annuity Highlights
Minimum Initial Payment $10,000
Maximum Purchase Payment $1,000,0001
Maximum Issue Age 5-85

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
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.
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
Retirement Withdrawals
  1. Payments for life (single life annuity).
  2. Payments for two lives (joint and survivor annuity).
  3. Certain period (3-60 years).
  4. Payments for life or for two lives, with a certain period.
  5. Payments for a life or two lives, with an installment refund.
  6. Payments for life or for two lives, with cash refund.
Qualified Plan Availability

Available for qualified and non-qualified plans.
State and Product Availability

Available in all states. Products and features may not be available in all firms. Please check with your Financial Professional for availability.

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

0712: FAESSINCWEB
Policy and Rider Form Series : 07IFA

MLI06011216884

Not FDIC Insured l Not Bank Guaranteed l May Lose Value l Not a Deposit l Not Insured by Any Government Agency
Footnotes:
1 Without prior home office approval.

US Division:  Please visit www.johnhancock.com for additional information on the company and other products John Hancock offers.

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Registered Annuities are issued and administered by John Hancock Life Insurance Company (U.S.A.), Lansing, MI which is not licensed in New York. John Hancock Distributors LLC, member FINRA, is the principal underwriter and an affiliate of the insurance companies.