How an investment manager makes the cut
When analyzing the thousands of investment managers available to us, John Hancock considers many of the same factors Standard & Poor's considers in determining excellence in portfolio management:

Ø   Depth and breadth of experience

Ø   Consistency of performance through varying market cycles

Ø   Clarity of investment style

Ø   Discipline

Our Lifestyle Portfolios Process

With John Hancock Lifestyle Portfolios, you gain access to a sophisticated asset allocation and diversification   process.

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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. Fixed Annuities are issued and administered by John Hancock Life Insurance Company, Boston, MA 02210.