My Current Financial Situation
choose the option that most closely describes your situation.
I am able to save assets for my future and will continue to do so for the next 10 to 20 years.
I have built the core of my principal assets and no longer make regular contributions. My goal now is to preserve my principal and carefully monitor my portfolio.
I am now using my allocated assets to support or supplement my retirement through regular withdrawals, and I expect to continue to do so.
My Current Financial Situation
  1. When do you think you will start making withdrawals ?
       This year    Next year    In 2 to 3 years    In 4 to 5 years    In more than 5 years
  2. How do you expect to take future withdrawals ?
       Either total lump sum or over a period of 5 years or less
       Spread gradually over a 5- to 10-year period
       Spread gradually over a 10- to 20-year period
       Spread gradually over 20 years or more
  3. At what rate do you plan to make withdrawals ?
       Less than 5% of my assets annually
       5% to 10% of my assets annually
       More than 10% of my assets annually
My current financial situation
  1. How do you expect to take future withdrawals ?
       Either total lump sum or over a period of 5 years or less
       Spread gradually over a 5- to 10-year period
       Spread gradually over a 10- to 20-year period
       Spread gradually over 20 years or more
  2. At what annual rate are you presently making withdrawals ?
       Less than 5% of my invested assets
       5% to 10% of my invested assets
       More than 10% of my invested assets
My Financial Risk
  1. What portion of your total assets are represented by this account (not including real estate assets)?
    Less than one-third
    Between one- and two-thirds
    More than two-thirds
  2. Choose the statement that best sums up your ability to take risks in order to achieve potentially higher, long-term performance from your portfolio.
    I wish to reduce my chance of short-term losses. To do this, I acknowledge that I must accept potentially lower long-term returns
    I wish to pursue growth of assets over the intermediate to long term. To do this, I know I have to accept some moderate risk, which may include losses.
    I wish to pursue higher long-term wealth accumulation. To do this, I know that I have to accept moderate to high risk, which may include losses.
Your investor profile results
Your most favorable asset allocation based on your responses is
Facts about the Investor Profile Tool
This is a financial tool that can help you estimate your risk tolerance and asset allocation preference based upon limited information. It does not consider your comprehensive long term financial needs and is not part of a financial strategy or financial strategy review. Neither John Hancock Life Insurance Company (U.S.A.), John Hancock Distributors LLC, nor any of their representatives provides tax, accounting, investment 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.

Diversification, asset allocation or rebalancing does not guarantee a profit or protect against a loss. Please note that asset allocation may not be appropriate for everyone.

Contact your financial advisor or visit www.jhannuities.com 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 investing. The prospectuses contain this and other information on the product and the underlying portfolios.

Venture Annuities are issued and administered by John Hancock Life Insurance Company (U.S.A.), a Bloomfield Hills, MI, company with its annuity service office in Portsmouth, NH. Venture Combination Fixed and Variable Annuities are distributed by John Hancock Distributors LLC, member FINRA.

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