John Hancock Annuities - Fixed Products

***Yield is the annual effective rate over the guarantee period and reflects the interest rate and the effect of the payment enhancement (PE). PE percentage of 3.65% applies for premiums of $250k or more.

JH Spectrum Rates

GPA Plus
Fixed Annuity Rate

3- Year Base Rate:
1.60%*

Total First Year Rate up to: 4.60%**

*effective 11/10/2009 until further notice

**Bonus rate of 3% + base rate for investments of 100K or more. Applies to 1-year guarantee only

GPA Plus Rates

JH Signature A strategy that works with you Whether you are searching for a safe place to invest your retirement assets, an attractive return for your retirement rollover funds, additional stability to your investment portfolio, or a way to provide consistency of returns, you can consider it in a JH Signature Fixed Annuity. Learn more about JH Signature		JH Spectrum Only One Fixed Annuity Offers This Spectrum of Benefits... Designed to be at the foundation of any retirement portfolio, the JH Spectrum Fixed Deferred Annuity is built on the heritage and tradition, and backed by the financial strength, of John Hancock- a name you know and trust. Learn more about JH Spectrum

GPA Plus Fixed Deferred Annuity GPA Plus Fixed Annuity offers guarantees on principal, minimum interest rates, and a reliable income for life. Key Features: Guaranteed Rate of Return Lock in to a rate of 1,3, or 6 years. Guarantees your investment will grown even during market downturns Your Principal is protected		JH Essential Income Single Premium Immediate Annuity Would you like to relax with a steady stream of income you can count on? The JH Essential Income Fixed Annuity has been designed to support your everyday expenditures- and help you create a personal pension plan. Benefits inclue: Tax Deferral Versatility Annual Increase Option Family Resource Benefits
Learn more about GPA Plus		Learn more about JH Essential Income

Withdrawals of taxable amounts are subject to ordinary income tax and if taken prior to age 59 ½, a 10% IRS tax penalty may apply.

All guarantees are subject to the claims paying ability of the issuing insurance company.

Fixed annuities generally are subject to declining withdrawal charges during the first several years of a contract.

John Hancock Fixed Annuities are issued and administered by John Hancock Life Insurance Company, Boston, MA 02210. An annuity is a long-term contract designed for retirement purposes, wealth distribution and wealth transference and not suitable for meeting short-term objectives.

Benefits and features are not available in all states.

0509: FA0156

Policy and Rider Form Series 08PEGPA; 08PEGPAGRP; 00NHCI; 01NHCIG; 03GPA; 03GPAGRP; 78-50, 70-50, 84-60

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

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.