Contact your financial advisor or call 800-344-1029 for more information, including product and fund prospectuses that contain complete details on investment objectives, risks, fees, charges, and expenses as well as other information about the investment company, which should be carefully considered. Please read the prospectuses carefully prior to purchasing. The prospectuses contain this and other information on the product and the underlying portfolios.
John Hancock Annuities are issued and administered by John Hancock Life Insurance Company (U.S.A.), Lansing, MI, which is not licensed in New York. In New York, John Hancock Annuities are issued and administered by John Hancock Life Insurance Company of New York, Valhalla, NY. John Hancock Annuities are distributed by John Hancock Distributors LLC, member FINRA.

John Hancock Annuities and the optional riders, which are available for an additional fee, are not available in all states; product features may vary, subject to state regulation. Variable annuities are not FDIC insured, are long-term contracts designed for retirement purposes, and are subject to investment risk, including the possible loss of principal.

Charges may apply to amounts taken in excess of the withdrawal amount available without a withdrawal charge during the surrender charge period. All withdrawals reduce the death benefit, optional benefits, and contract value. In addition, withdrawals of taxable amounts will be subject to ordinary income tax and, if made prior to age 59½, a 10% IRS penalty tax may apply. Past performance is not a guarantee of future results.

US Division:  Please visit www.johnhancock.com for additional information on the company and other products John Hancock offers.

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Annuities are issued and administered by John Hancock Life Insurance Company (U.S.A.), Boston, MA, 02116 which is not licensed in New York. John Hancock Distributors LLC, member FINRA, is the principal underwriter and an affiliate of the insurance companies.