This information was prepared to support the promotion and marketing of Venture Annuities. Neither John Hancock Life Insurance Company (U.S.A.), John Hancock Distributors LLC, nor any of their representatives provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state, or local tax penalties. Please consult your own independent advisor as to any tax, accounting, or legal statements made herein.
The investment objectives and policies of the Venture portfolios may be similar to those of other funds managed by the same investment advisor. There is no guarantee that any portfolio’s investment results will be comparable to the investment results of another fund, including other funds with the same investment advisor or manager. Investment results will differ, and may be higher or lower than the investment results of such other funds.
While all variable portfolios are subject to market risk, some portfolios may experience greater volatility than others. Portfolios having the greatest volatility may include those investing in one sector or industry, foreign countries, high- yield bonds, real estate securities, and small cap stocks. Before purchasing units in such a portfolio, you should carefully read the applicable risk section in the fund prospectus. Please consult the portfolio’s current prospectus for complete information on its investments. The Company does not provide advice regarding appropriate investment allocations; please discuss this matter with your financial consultant.
Portfolios that invest in high-yield securities are subject to greater credit risk and price fluctuation than portfolios that invest in higher-quality securities. Stocks of small or small, emerging companies may have less liquidity than those of larger, established companies and may be subject to greater price volatility and risk than the overall stock market. REITs involve risks such as refinancing, economic conditions in the real estate industry, changes in property values, dependency on real estate management, and other risks associated with a portfolio that concentrates its investments in one sector or geographic region. Foreign investments involve risks and opportunities different from domestic investments such as currency rate fluctuations and differences in financial reporting. Investments in the U.S. Government Securities and Money Market portfolios are neither insured nor guaranteed by the FDIC, U.S. Government, or any U.S. Government Agency.
Allocating assets to only one or a small number of the investment options (other than the Lifestyle Trusts) should not be considered a balanced investment program. Allocating assets to a small number of investment options concentrated in particular business or market sectors will subject your contract to increased risk and volatility. Examples of business or market sectors where this risk historically has been and may continue to be particularly high include: a) technology-related businesses, including Internet-related businesses, b) small cap securities and c) foreign securities. The Company does not provide advice regarding appropriate investment allocations. Contact your financial consultant for more details.
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.
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.
None of the Index Trusts are sponsored, endorsed, managed, advised, sold, or promoted by any of the respective companies that sponsor the broad-based securities market index, and none of these companies make any representation regarding the advisability of investing in the Trusts.
This information is neither an offer to sell nor a solicitation to buy securities. The information is current as of 12/06/2006 and is not a guarantee of subsequent investment composition, which is subject to change at the discretion of the portfolio manager. This report is authorized for distribution to prospective investors only when preceded or accompanied by a current John Hancock Trust prospectus and a Venture, Venture III, or Venture Vantage Variable Annuity prospectus, all of which contain more complete information, including all charges, expenses, risk factors, and limitations. Past performance is not a guarantee of future results. Please read the prospectus carefully before investing.
Fidelity Investments® and Pyramid Design are registered trademarks of FMR Corp. Morgan Stanley Investment Management Inc. does business in certain instances using the name Van Kampen. Franklin® and Templeton® are registered trademarks of the Franklin Templeton Group. T. Rowe Price, Invest with Confidence, and the Bighorn Sheep logo are registered trademarks of T. Rowe Price Group, Inc. Deutsche Asset Management is the marketing name in the U.S. for the asset management activities of Deutsche Bank AG, Deutsche Investment Management Americas Inc., Deutsche Asset Management Inc., Deutsche Asset Management Investment Services, Ltd., Deutsche Bank Securities Trust Company Americas, Scudder Trust Company, and RREEF. The RMC logo is a Registered Trademark of RCM Capital Management LLC. [Dimensional/DFA/logo] is a registered trademark of Dimensional Fund Advisors Inc.