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Optional Benefits

Related Resources Variable Annuity Brochure Income Plus for Life Brochure 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.

John Hancock offers an optional lifetime withdrawal benefit - Income Plus For Life. This rider from can be added to your annuity for an additional fee, and can help alleviate concern over where the market will be when you retire. Income Plus For Life is designed to help provide you the downside protection you need, combined with the upside potential you want, to ensure a steady stream of withdrawals during your retirement. Income Plus For Life Help maximize how you're retirement assets are working for you. Optional Death Benefit Annual Step-Up Death Benefit Ø   Can enable your beneficiaries to potentially receive an amount greater than the standard contract death benefit. Ø   Greatest of current contract value, return of principal reduced proportionately for withdrawals or highest anniversary value until age 80. Ø   Additional annual fee is 0.20% of contract value.