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These ratings, which are current through the prospectus dated May 2009, 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.

Whether you are 10 or more years away from retirement, closing in on a retirement date, or already retired, John Hancock Annuities Learning Center can help educate you on important concepts.

Each area of the Learning Center contains resources specially selected for investors whose primary goal is to pursue financial security in retirement.

Annuity
Concepts

Practical information on how annuities can be used to help grow, protect and manage retirement assets.

Retirement
Concepts

Articles and resources that explain the many risk factors that are now reshaping retirement.

Investment
Concepts

Resources to help you get acquainted or reacquainted with key investment principles.

US Division: John Hancock Freedom 529 | Group Pensions | Insurance | Mutual Funds | John Hancock

Fixed and Variable Annuities are issued and administered by John Hancock Life Insurance Company (U.S.A.), Bloomfield Hills, MI (not licensed in NY) and John Hancock Life Insurance Company of New York, Valhalla, NY. Distributed by John Hancock Distributors LLC, member FINRA.