Solid Financial
Ratings
  
These ratings, which are current as of August 10, 2010, and are 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 John Hancock 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.
Portfolios designed to suit a variety of lifestyles

With the John Hancock Lifestyle Portfolios1 , you gain access to a sophisticated asset allocation2  and diversification process managed by experienced professionals.  These portfolios allow you to allocate assets in the combination of risk and reward that makes the most sense for your financial goals, whether they are conservative or growth-oriented.


  Lifestyle Portfolios

Footnotes:
1

The Lifestyle Portfolios in John Hancock Trust described above are not mutual funds available to the retail public and are only available under John Hancock’s variable annuity contracts or variable life insurance policies or through participation in certain tax-qualified retirement plans. The investment advisor of the Lifestyle Portfolios also manages mutual funds available to the retail public with similar names and investment objectives. No representation is made, and no assurance is given, that any Lifestyle Portfolio’s investment results will be comparable to the investment results of any other fund, including retail mutual funds with the same investment advisor. Past performance is no guarantee of future results.  The Lifestyle Conservative, Moderate, Balanced, and Growth Portfolios are available with Venture's Optional Principal Plus For Life benefit.

2

Asset allocation does not ensure a profit or protection against loss. Please note that asset allocation may not be appropriate for everyone, particularly those interested in directing the underlying portfolio options of their annuity contract on their own.

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Registered Annuities are issued and administered by John Hancock Life Insurance Company (U.S.A.), Bloomfield Hills, 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.