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JH New York
Overview
JH Signature
JH Essential Income
JH Essential Income Fixed Annuity
Related Resources
JH Essential Income Brochure
JH Essential Income Fact Card
What is a Fixed Annuity?
What is an Immediate Annuity?
Solid Financial Ratings
Insurance ratings, which are current as of August 10, 2010, and subject to change, apply to John Hancock Life Insurance Company (U.S.A.), Bloomfield Hills, MI (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY, as a measure of the company's claims-paying ability and to honor any guarantees provided by the contract and any applicable optional riders, but not specifically to its products.
A single premium immediate annuity
Annuity Highlights
Minimum Initial Payment $10,000
Maximum Purchase Payment $1,000,0001
Maximum Issue Age 5-85

Sit back, relax, and enjoy
your retirement.

As you enjoy your retirement, make these years your best with security, stability, and a lifetime of guaranteed income. JH Essential Income has been created to help you plan ahead for the risks that may impact your retirement.

Key Features
Family Resource Benefits
Referral services and programs to help you and your family better understand and manage challenging care situations.
Annual Increase Option
By electing this option, you can choose to have your initial income start lower, but your payments will increase each year by 1% to 6%, depending on the percentage your choose.
Tax Deferral
An immediate annuity distributes your money over several years, so you can spread out your taxes.
Versatility
You can choose to receive checks regularly (monthly, quarterly, semi-annually or annually) for the rest of your life or in a predetermined fixed period.
More Information About JH Essential Income Fixed Annuity
Retirement Withdrawals
  1. Payments for life (single life annuity).
  2. Payments for two lives (joint and survivor annuity).
  3. Certain period (3-60 years).
  4. Payments for life or for two lives, with a certain period.
  5. Payments for a life or two lives, with an installment refund.
  6. Payments for life or for two lives, with cash refund.
Qualified Plan Availability

Available for qualified and non-qualified plans.
State Availability

Available in all states.
JH Essential Income Fixed Annuity Special Features
Resources and Consultation
You and your immediate family members receive toll-free access to Seniorlink, a national eldercare program that provides professional expertise and personalized advice on a variety of age-related issues, services, and resources. 2
Competitive Rates
LifePlans, a leading long-term care services group, administers Advantage List. You can call them for more information at 800-886-7269. 3
All guarantees are subject to the claims paying ability of the issuing insurance company.

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.

0709: FAESSINCWEB
Policy and Rider Form Series : 07IFA

MLINY01261012139

Footnotes:
1 Without prior home office approval.
2 Seniorlink is the current referral-service provider for John Hancock. Seniorlink is not associated with John Hancock Life Insurance Company (U.S.A.), John Hancock Life Insurance Company of New York or its affiliates. This program may be changed or discontinued at any time. Seniorlink is not long-term care insurance.
3 LifePlans is the current referral-service provider for John Hancock Life Insurance Company (U.S.A.), John Hancock Life Insurance Company of New York and its affiliates. Actual costs of care vary greatly depending on the care provider and geographic location. Savings are not guaranteed and may be discontinued by the provider at any time. Not available in Puerto Rico.

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

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