Venture 4 Variable Annuity

Transcription

1 Venture 4 Variable Annuity Monthly Performance November 30, 2011 Past performance is not a guarantee of future results, and current performance may be lower or higher than the performance quoted. The investment return and principal value of an investment will fluctuate so that a variable annuity contract owner s unit values, when redeemed, may be worth more or less than their original cost. For the most recent month-end performance, please contact your financial advisor, visit our website at or or call Issued by John Hancock Life Insurance Company (U.S.A.) 1211: In New York: John Hancock Life Insurance Company of New York

2 PERIOD ENDING November 30, 2011 Venture 4 Variable Annuity Lifestyle Investment Options Investment Expertise. Diversification. Smoothed Volatility. At John Hancock, we pioneered the introduction of active management for the funds underlying variable annuities. In fact, the John Hancock Trust (JHVIT) Lifestyle Portfolios, introduced through Venture 4 Variable Annuities in 1997, are the longest running fundof-funds available to variable annuity contract owners. Our portfolios utilize a sophisticated proprietary process which involves asset class selection, manager selectivity, asset class optimization, and ongoing review. VENTURE 4 VARIABLE ANNUITY LIFESTYLE SUBACCOUNT PERFORMANCE RESULTS 1 NONSTANDARDIZED (AS OF 11/30/11) YEAR-TO-DATE 1 YEAR 3 YEAR 2 5 YEAR 2 10 YEAR 2 INCEPTION 2 INCEPTION DATE Lifestyle Conservative 1.49% 2.02% 10.34% 2.14% % 1/7/97 Lifestyle Moderate 0.07% 2.20% 12.01% 0.90% % 1/7/97 Lifestyle Balanced -1.33% 1.61% 12.84% -0.27% % 1/7/97 Lifestyle Growth -3.23% 1.19% 13.26% -1.40% % 1/7/97 ADJUSTED NONSTANDARDIZED (as of 11/30/11), which reflects the maximum withdrawal charge of 6% decreasing over 4 years Lifestyle Conservative -3.50% 9.24% 2.14% 3.48% 3.80% 1/7/97 Lifestyle Moderate -3.33% 10.94% 0.90% 3.34% 3.57% 1/7/97 Lifestyle Balanced -3.88% 11.78% -0.27% 3.32% 3.25% 1/7/97 Lifestyle Growth -4.28% 12.21% -1.40% 2.88% 2.59% 1/7/97 STANDARDIZED (as of 9/30/11), which reflects the maximum withdrawal charge of 6% decreasing over 4 years INCLUSION DATE Lifestyle Conservative -4.99% 4.05% 2.41% 3.48% 3.73% 1/7/97 Lifestyle Moderate -5.82% 2.93% 0.98% 3.35% 3.36% 1/7/97 Lifestyle Balanced -7.21% 1.53% -0.28% 3.45% 2.97% 1/7/97 Lifestyle Growth -8.63% 0.04% -1.66% 3.09% 2.17% 1/7/97 NEW YORK STANDARDIZED (as of 9/30/11), which reflects the maximum withdrawal charge of 6% decreasing over 4 years INCEPTION DATE Lifestyle Conservative -4.99% 4.05% 2.41% 3.48% 3.73% 1/7/97 Lifestyle Moderate -5.82% 2.93% 0.98% 3.35% 3.36% 1/7/97 Lifestyle Balanced -7.21% 1.53% -0.28% 3.45% 2.97% 1/7/97 Lifestyle Growth -8.63% 0.04% -1.66% 3.09% 2.17% 1/7/97 KEY STATISTICS 3 (as of 9/30/11) BETA (VS. S&P 500) STANDARD DEVIATION Lifestyle Conservative Lifestyle Moderate Lifestyle Balanced Lifestyle Growth Performance shown is that of the Venture 4 Variable Annuity product. Performance of other annuity products issued by John Hancock Life Insurance Company (U.S.A.) or John Hancock Life Insurance Company of New York will not be the same due to different charges. Results are based on historical performance of the Venture 4 Variable Annuity subaccount of John Hancock Life Insurance Company (U.S.A.) Separate Account H or John Hancock Life Insurance Company of New York Separate Account A (the Separate Accounts ) that invest in corresponding portfolios of the John Hancock Variable Insurance Trust (JHVIT). The intent is to reflect performance of a hypothetical investment in a subaccount of the Separate Accounts since its commencement of operations. Performance reflects the asset charges for Series I shares of the underlying JHVIT Portfolios from inception to 1/27/02 and the asset charges for the underlying Series II shares for the periods subsequent to 1/27/02. The performance for Series II shares will be lower than Series I shares due to the Series II 12b-1 fees. During the time period shown in the chart, the Lifestyle portfolios fund-level expenses were partially reimbursed. If such expenses had not been reimbursed, returns would be lower. The investment objectives and policies of these JHVIT portfolios may be similar to those of other funds managed by the same investment managers. 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 manager. Investment results will differ and be higher or lower than the investment results of other such funds. GLOSSARY OF TERMS Nonstandardized performance reflects hypothetical changes in the Venture 4 Variable Annuity unit values since the inception of the underlying portfolio, which may be earlier than the date the portfolio became available in John Hancock s variable annuity separate accounts. Nonstandardized performance includes all asset charges and the $30 annual administration fee, but does not reflect withdrawal charges. If the nonstandardized performance reflected these charges, performance would be lower where such charges are applicable. Adjusted Nonstandardized performance reflects changes in the unit values since inception of the underlying portfolio, including all asset charges and the $30 annual administration fee. The adjusted nonstandardized performance reflects the maximum withdrawal charge of 6% decreasing over 4 years to zero. Standardized performance reflects changes in the unit values since the underlying portfolio s availability through John Hancock s variable annuity separate accounts. The standardized performance reflects all asset charges, the $30 annual administration fee, and the maximum withdrawal charge of 6% decreasing over 4 years to zero. Inception Date The date on which the portfolio commenced operations. Inclusion Date The date on which the portfolio was added to the John Hancock variable annuity separate account. NOT VALID WITHOUT ALL PAGES PAGE 2 OF 8

3 PERFORMANCE RETURNS Asset Allocation Options Investment Expertise. Diversification. Smoothed Volatility. The following table shows the performance of John Hancock s Venture 4 Variable Annuity investment options in the context of the product s asset allocation options. Allocating assets across investment styles, asset classes, market capitalizations and geographies is the cornerstone of a sound investment strategy. Our asset allocation options provide contract owners with access to balanced asset allocation strategies from premier industry leaders. NONSTANDARDIZED (AS OF 11/30/11) YEAR-TO-DATE 1 YEAR 3 YEAR 2 5 YEAR 2 10 YEAR 2 INCEPTION 2 INCEPTION DATE Core Fundamental Holdings -1.19% 2.10% N/A N/A N/A 9.09% 5/1/09 Core Global Diversification -4.64% -0.89% N/A N/A N/A 8.46% 5/1/09 Core Balanced -0.90% 3.18% N/A N/A N/A 11.05% 5/1/09 Core Allocation -3.21% 0.48% N/A N/A N/A 9.56% 5/1/09 Core Disciplined Diversification -3.24% 0.99% N/A N/A N/A 11.12% 5/1/09 Core Strategy -1.73% 2.61% 10.23% -0.23% N/A 1.03% 2/13/06 Total Bond Market A 4.21% 2.91% 4.54% N/A N/A N/A 2/13/06 Ultra Short Term Bond -1.74% -1.88% N/A N/A N/A N/A 7/28/10 ADJUSTED NONSTANDARDIZED (as of 11/30/11), which reflects the maximum withdrawal charge of 6% decreasing over 4 years INCEPTION DATE Core Fundamental Holdings -3.42% N/A N/A N/A 7.72% 5/1/09 Core Global Diversification -6.29% N/A N/A N/A 7.08% 5/1/09 Core Balanced -2.41% N/A N/A N/A 9.73% 5/1/09 Core Allocation -4.95% N/A N/A N/A 8.21% 5/1/09 Core Strategy -2.95% 9.12% -0.23% N/A 1.03% 2/13/06 Core Disciplined Diversification -4.47% N/A N/A N/A 9.80% 5/1/09 Core Strategy -2.95% 9.12% -0.23% N/A 1.03% 2/13/06 Total Bond Market A -2.66% 3.30% N/A N/A N/A 2/13/06 Ultra Short Term Bond -7.28% N/A N/A N/A N/A 7/28/10 STANDARDIZED (as of 9/30/11), which reflects the maximum withdrawal charge of 6% decreasing over 4 years INCLUSION DATE Core Fundamental Holdings -7.40% N/A N/A N/A 5.99% 5/1/09 Core Global Diversification % N/A N/A N/A 5.47% 5/1/09 Core Balanced -6.78% N/A N/A N/A 7.46% 5/1/09 Core Allocation -8.35% N/A N/A N/A 6.49% 5/1/09 Core Strategy -7.45% -0.10% -0.54% N/A -0.04% 2/13/06 Core Disciplined Diversification -9.30% N/A N/A N/A 7.66% 5/1/09 Core Strategy -7.45% -0.10% -0.54% N/A -0.04% 2/13/06 Total Bond Market A -2.94% 3.93% N/A N/A N/A 8/2/10 Ultra Short Term Bond -7.28% N/A N/A N/A -5.81% 8/2/10 NEW YORK STANDARDIZED (as of 9/30/11), which reflects the maximum withdrawal charge of 6% decreasing over 4 years INCLUSION DATE Core Fundamental Holdings -7.40% N/A N/A N/A 5.99% 5/1/09 Core Global Diversification % N/A N/A N/A 5.47% 5/1/09 Core Balanced -6.78% N/A N/A N/A 7.46% 5/1/09 Core Allocation -8.35% N/A N/A N/A 6.49% 5/1/09 Core Strategy -7.45% -0.10% -0.54% N/A -0.04% 2/13/06 Core Disciplined Diversification -9.30% N/A N/A N/A 7.66% 5/1/09 Core Strategy -7.45% -0.10% -0.54% N/A -0.04% 2/13/06 Total Bond Market A -2.94% 3.93% N/A N/A N/A 8/2/10 Ultra Short Term Bond -7.28% N/A N/A N/A -5.81% 8/2/10 KEY STATISTICS 2 (as of 9/30/11) BETA (VS. S&P 500) STANDARD DEVIATION Core Fundamental Holdings N/A N/A Core Global Diversification N/A N/A Core Balanced N/A N/A Core Allocation N/A N/A Core Disciplined Diversification N/A N/A Core Strategy * Annualized. 1 The performance data presented represents past performance. Past performance is not a guarantee of future results, and current performance may be lower or higher redeemed, may be worth more or less than its original cost. For the most recent month-end performance, please contact your financial advisor, visit our website at or or call Beta measures the volatility of a portfolio relative to the overall market, usually the S&P 500 index (i.e., S&P 500 beta = 1.00). Standard deviation describes by how much and with what likelihood an asset class might miss its average return. The higher a portfolio s overall standard deviation, the greater the volatility it might experience in the underlying asset. Venture 4 Variable Annuities are issued and administered by John Hancock Life Insurance Company (U.S.A.), Bloomfield Hills, MI, which is not licensed in New York. In New York, Venture 4 Variable Annuities are issued and administered by John Hancock Life Insurance Company of New York, Valhalla, NY. Venture Variable Annuities are distributed by John Hancock Distributors LLC, member FINRA. This material was prepared to support the promotion and marketing of variable annuities. John Hancock, its distributors, and their respective representatives do not provide 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, investment, or legal statements made herein. NOT VALID WITHOUT ALL PAGES PAGE 3 OF 8

4 PERIOD ENDING September 30, 2011 Venture 4 Variable Annuity Standardized Average Annual Total Returns 1 INVESTMENT OPTION LIFESTYLE PORTFOLIOS * Annualized UNDERLYING PORTFOLIO SUBADVISOR/MANAGER 1 YEAR 3 YEAR* 5 YEAR* 10 YEAR* 1 The standardized performance, the non-standardized performance, and the adjusted non-standardized performance show changes in Venture 4 Variable Annuity unit values, and reflect all asset charges as well as the contract s 0.15% daily administration fee. The standardized performance and adjusted non-standardized performance reflect the contract s withdrawal charge of 6% decreasing over 4 years to zero. The non-standardized performance does not reflect withdrawal charges. If the non-standardized performance reflected these fees, performance would be lower in the years the charges applied. The performance data presented represents past performance. Past performance is not a guarantee of future results, and current performance may be lower or higher than the performance quoted. The investment return and total value of a contract will fluctuate so that a client s interest in the contract, when redeemed, may be worth more or less than its original cost. For the most recent month-end performance, please contact your financial advisor, visit our website at or or call Performance shown is that of the Venture 4 Variable Annuity product. Performance of other annuity products issued by John Hancock Life Insurance Company (U.S.A.) or John Hancock Life Insurance Company of New York will not be the same due to different charges. Results are based on historical performance of the Venture 4 Variable Annuity subaccount of John Hancock Life Insurance Company (U.S.A.) Separate Account H or John Hancock Life Insurance Company of New York Separate Account A (the Separate Accounts ) that invest in corresponding portfolios of the John Hancock Variable Insurance Trust (JHVIT). The intent is to reflect performance of a hypothetical investment in a subaccount of the Separate Accounts since its commencement of operations. Performance reflects the asset charges for Series I shares of the underlying JHVIT Portfolios from inception to 1/27/02 and the asset charges for the underlying Series II shares for the periods subsequent to 1/27/02. The performance for Series II shares will be lower than Series I shares due to the Series II 12b-1 fees. During the time period shown in the chart, the Lifestyle portfolios fund-level expenses were partially reimbursed. If such expenses had not been reimbursed, returns would be lower. The investment objectives and policies of these JHVIT portfolios may be similar to those of other funds managed by the same investment managers. 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 manager. Investment results will differ and be higher or lower than the investment results of other such funds. 2 An investment in the Money Market investment option is not insured or guaranteed by the Federal Deposit Insurance Corporation or any government agency. The yield quotation more closely reflects the current earnings of the underlying JHVIT Money Market Portfolio than the total return quotation of the Venture 4 Variable Annuity Money Market Investment Option. 3 During some or all of the time period shown in the chart, a part of the portfolio s expenses were reimbursed. If such expenses had not been reimbursed, returns would be lower. 4 Due to the fund s short performance history, future performance may vary significantly. SINCE INCEPTION* INCEPTION DATE Conservative 1,3 JH Asset Mgmt -4.99% 4.05% 2.41% 3.48% 3.73% 1/7/97 Moderate 1,3 JH Asset Mgmt -5.82% 2.93% 0.98% 3.35% 3.36% 1/7/97 Balanced 1,3 JH Asset Mgmt -7.21% 1.53% -0.28% 3.45% 2.97% 1/7/97 Growth 1,3 JH Asset Mgmt -8.63% 0.04% -1.66% 3.09% 2.17% 1/7/97 CONSERVATIVE 7-DAY YIELD Money Market 2 JH Asset Mgmt -7.05% N/A -2.76% -0.24% -0.15% N/A 6/18/85 FIXED INCOME Total Bond Market A Declaration -2.94% 3.93% N/A N/A N/A 8/2/10 Ultra Short Term Bond JH Asset Mgmt -7.28% N/A N/A N/A -5.81% 8/2/10 GROWTH & INCOME Core Allocation 4 JHIMS -8.35% N/A N/A N/A 6.49% 5/1/09 Core Balanced 4 JHIMS -6.78% N/A N/A N/A 7.46% 5/1/09 Core Disciplined Diversification 4 JHIMS -9.30% N/A N/A N/A 7.66% 5/1/09 Core Fundamental Holdings 4 JH Asset Mgmt -7.40% N/A N/A N/A 5.99% 5/1/09 Core Global Diversification 4 JH Asset Mgmt % N/A N/A N/A 5.47% 5/1/09 Core Strategy JH Asset Mgmt -7.45% -0.10% -0.54% N/A -0.04% 2/13/06 NOT VALID WITHOUT ALL PAGES PAGE 4 OF 8

5 PERFORMANCE RETURNS Venture 4 Variable Annuity New York Standard Average Annual Total Returns 1 INVESTMENT OPTION LIFESTYLE PORTFOLIOS UNDERLYING PORTFOLIO SUBADVISOR/MANAGER 1 YEAR 3 YEAR* 5 YEAR* 10 YEAR* SINCE INCEPTION* INCEPTION DATE Conservative 1,3 JH Asset Mgmt -4.99% 4.05% 2.41% 3.48% 3.73% 1/7/97 Moderate 1,3 JH Asset Mgmt -5.82% 2.93% 0.98% 3.35% 3.36% 1/7/97 Balanced 1,3 JH Asset Mgmt -7.21% 1.53% -0.28% 3.45% 2.97% 1/7/97 Growth 1,3 JH Asset Mgmt -8.63% 0.04% -1.66% 3.09% 2.17% 1/7/97 CONSERVATIVE 7-DAY YIELD Money Market 2 JH Asset Mgmt -7.05% N/A -2.76% -0.24% -0.15% N/A 6/18/85 FIXED INCOME Total Bond Market A Declaration -2.94% 3.93% N/A N/A N/A 8/2/10 Ultra Short Term Bond JH Asset Mgmt -7.28% N/A N/A N/A -5.81% 8/2/10 GROWTH & INCOME Core Allocation 4 JHIMS -8.35% N/A N/A N/A 6.49% 5/1/09 Core Balanced 4 JHIMS -6.78% N/A N/A N/A 7.46% 5/1/09 Core Disciplined Diversification 4 JHIMS -9.30% N/A N/A N/A 7.66% 5/1/09 Core Fundamental Holdings 4 JH Asset Mgmt -7.40% N/A N/A N/A 5.99% 5/1/09 Core Global Diversification 4 JH Asset Mgmt % N/A N/A N/A 5.47% 5/1/09 Core Strategy JH Asset Mgmt -7.45% -0.10% -0.54% N/A -0.04% 2/13/06 Venture 4 Annuities are issued and administered by John Hancock Life Insurance Company (U.S.A.), Bloomfield Hills, MI, which is not licensed in New York. In New York, Venture 4 Annuities are issued and administered by John Hancock Life Insurance Company of New York, Valhalla, NY. Venture Variable Annuities are distributed by John Hancock Distributors LLC, member FINRA. This material was prepared to support the promotion and marketing of variable annuities. John Hancock, its distributors, and their respective representatives do not provide 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, investment, or legal statements made herein. NOT VALID WITHOUT ALL PAGES PAGE 5 OF 8

6 PERIOD ENDING November 30, 2011 Venture 4 Variable Annuity Nonstandardized Average Annual Total Returns 1 INVESTMENT OPTION LIFESTYLE PORTFOLIOS * Annualized UNDERLYING PORTFOLIO SUBADVISOR/MANAGER YTD 1 YEAR 3 YEAR* 5 YEAR* 10 YEAR* 1 The standardized performance, the non-standardized performance, and the adjusted non-standardized performance show changes in Venture 4 Variable Annuity unit values, and reflect all asset charges and the contract s $30 annual administration fee. The standardized performance and adjusted non-standardized performance reflect the contract s withdrawal charge of 6% decreasing over 4 years to zero. The non-standardized performance does not reflect withdrawal charges. If the non-standardized performance reflected these fees, performance would be lower in the years the charges applied. The performance data presented represents past performance. Past performance is not a guarantee of future results, and current performance may be lower or higher than the performance quoted. The investment return and total value of a contract will fluctuate so that a client s interest in the contract, when redeemed, may be worth more or less than its original cost. For the most recent month-end performance, please contact your financial advisor, visit our website at or or call Performance shown is that of the Venture 4 Variable Annuity product. Performance of other annuity products issued by John Hancock Life Insurance Company (U.S.A.) or John Hancock Life Insurance Company of New York will not be the same due to different charges. Results are based on historical performance of the Venture 4 Variable Annuity subaccount of John Hancock Life Insurance Company (U.S.A.) Separate Account H or John Hancock Life Insurance Company of New York Separate Account A (the Separate Accounts ) that invest in corresponding portfolios of the John Hancock Variable Insurance Trust (JHVIT). The intent is to reflect performance of a hypothetical investment in a subaccount of the Separate Accounts since its commencement of operations. Performance reflects the asset charges for Series I shares of the underlying JHVIT Portfolios from inception to 1/27/02 and the asset charges for the underlying Series II shares for the periods subsequent to 1/27/02. The performance for Series II shares will be lower than Series I shares due to the Series II 12b-1 fees. During the time period shown in the chart, the Lifestyle portfolios fund-level expenses were partially reimbursed. If such expenses had not been reimbursed, returns would be lower. The investment objectives and policies of these JHVIT portfolios may be similar to those of other funds managed by the same investment managers. 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 manager. Investment results will differ and be higher or lower than the investment results of other such funds. 2 An investment in the Money Market portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any government agency. The yield quotation more closely reflects the current earnings of the underlying JHVIT Money Market Portfolio than the total return quotation of the Venture 4 Variable Annuity Money Market Investment Option. 3 During some or all of the time period shown in the chart, a part of the portfolio s expenses were reimbursed. If such expenses had not been reimbursed, returns would be lower. 4 Due to the fund s short performance history, future performance may vary significantly. SINCE INCEPTION* INCEPTION DATE Conservative 1,3 JH Asset Mgmt 1.49% 2.02% 10.34% 2.14% % 1/7/97 Moderate 1,3 JH Asset Mgmt 0.07% 2.20% 12.01% 0.90% % 1/7/97 Balanced 1,3 JH Asset Mgmt -1.33% 1.61% 12.84% -0.27% % 1/7/97 Growth 1,3 JH Asset Mgmt -3.23% 1.19% 13.26% -1.40% % 1/7/97 CONSERVATIVE 7-DAY YIELD Money Market 2 JH Asset Mgmt -1.43% N/A -1.65% -1.57% -0.38% N/A 6/18/85 FIXED INCOME Total Bond Market A Declaration 4.21% 2.91% 4.54% N/A N/A N/A 2/13/06 Ultra Short Term Bond JH Asset Mgmt -1.74% -1.88% N/A N/A N/A N/A 7/28/10 GROWTH & INCOME Core Allocation 4 JHIMS -3.21% 0.48% N/A N/A N/A 9.56% 5/1/09 Core Balanced 4 JHIMS -0.90% 3.18% N/A N/A N/A 11.05% 5/1/09 Core Disciplined Diversification 4 JHIMS -3.24% 0.99% N/A N/A N/A 11.12% 5/1/09 Core Fundamental Holdings 4 JH Asset Mgmt -1.19% 2.10% N/A N/A N/A 9.09% 5/1/09 Core Global Diversification 4 JH Asset Mgmt -4.64% -0.89% N/A N/A N/A 8.46% 5/1/09 Core Strategy JH Asset Mgmt -1.73% 2.61% 10.23% -0.23% N/A 1.03% 2/13/06 NOT VALID WITHOUT ALL PAGES PAGE 6 OF 8

7 PERFORMANCE RETURNS Venture 4 Variable Annuity Adjusted Nonstandardized Average Annual Total Returns 1 INVESTMENT OPTION LIFESTYLE PORTFOLIOS UNDERLYING PORTFOLIO SUBADVISOR/MANAGER 1 YEAR 3 YEAR* 5 YEAR* 10 YEAR* SINCE INCEPTION* INCEPTION DATE Conservative 1,3 JH Asset Mgmt -3.50% 9.24% 2.14% 3.48% 3.80% 1/7/97 Moderate 1,3 JH Asset Mgmt -3.33% 10.94% 0.90% 3.34% 3.57% 1/7/97 Balanced 1,3 JH Asset Mgmt -3.88% 11.78% -0.27% 3.32% 3.25% 1/7/97 Growth 1,3 JH Asset Mgmt -4.28% 12.21% -1.40% 2.88% 2.59% 1/7/97 CONSERVATIVE 7-DAY YIELD Money Market 2 JH Asset Mgmt -7.05% N/A -2.83% -0.38% -0.19% N/A 6/18/85 FIXED INCOME Total Bond Market A Declaration -2.66% 3.30% N/A N/A N/A 2/13/06 Ultra Short Term Bond JH Asset Mgmt -7.28% N/A N/A N/A N/A 7/28/10 GROWTH & INCOME Core Allocation 4 JHIMS -4.95% N/A N/A N/A 8.21% 5/1/09 Core Balanced 4 JHIMS -2.41% N/A N/A N/A 9.73% 5/1/09 Core Disciplined Diversification 4 JHIMS -4.47% N/A N/A N/A 9.80% 5/1/09 Core Fundamental Holdings 4 JH Asset Mgmt -3.42% N/A N/A N/A 7.72% 5/1/09 Core Global Diversification 4 JH Asset Mgmt -6.29% N/A N/A N/A 7.08% 5/1/09 Core Strategy JH Asset Mgmt -2.95% 9.12% -0.23% N/A 1.03% 2/13/06 Venture 4 Variable Annuities are issued and administered by John Hancock Life Insurance Company (U.S.A.), Bloomfield Hills, MI, which is not licensed in New York. In New York, Venture 4 Variable Annuities are issued and administered by John Hancock Life Insurance Company of New York, Valhalla, NY. Venture Variable Annuities are distributed by John Hancock Distributors LLC, member FINRA. This material was prepared to support the promotion and marketing of variable annuities. John Hancock, its distributors, and their respective representatives do not provide 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, investment, or legal statements made herein. NOT VALID WITHOUT ALL PAGES PAGE 7 OF 8

8 JHVIT Lifestyle Portfolios and Asset Allocation Options Venture 4 Variable Annuity Calendar Year-End Performance Results NONSTANDARDIZED Lifestyle Conservative 1.53% 0.03% 9.72% 6.73% 1.13% 6.36% 3.44% % 19.45% 7.09% Lifestyle Moderate -2.72% -5.63% 15.90% 9.22% 2.30% 8.38% 3.36% % 24.79% 8.58% Lifestyle Balanced -6.34% % 21.95% 11.55% 5.06% 10.67% 4.52% % 28.34% 9.66% Lifestyle Growth % % 27.32% 12.72% 6.74% 11.43% 5.49% % 30.77% 10.99% STANDARDIZED 1 Lifestyle Conservative -3.96% -5.38% 3.74% 0.93% -4.34% 0.58% -2.16% % 13.45% 1.26% Lifestyle Moderate -8.12% % 9.90% 3.27% -3.24% 2.48% -2.25% % 18.79% 2.67% Lifestyle Balanced % % 15.95% 5.55% -0.64% 4.67% -1.15% % 22.34% 3.68% Lifestyle Growth % % 21.32% 6.72% 0.94% 5.43% -0.24% % 24.77% 4.99% ADJUSTED NONSTANDARDIZED 1 Lifestyle Conservative -3.96% -5.38% 3.74% 0.93% -4.34% 0.58% -2.16% % 13.45% 1.26% Lifestyle Moderate -8.12% % 9.90% 3.27% -3.24% 2.48% -2.25% % 18.79% 2.67% Lifestyle Balanced % % 15.95% 5.55% -0.64% 4.67% -1.15% % 22.34% 3.68% Lifestyle Growth % % 21.32% 6.72% 0.94% 5.43% -0.24% % 24.77% 4.99% 1 The standardized performance, the non-standardized performance, and the adjusted non-standardized performance show changes in Venture 4 Variable Annuity unit values, and reflect all asset charges as well as the contract s 0.15% daily administration fee. The standardized performance and adjusted non-standardized performance reflect the contract s withdrawal charge of 6% decreasing over 3 years to zero. The non-standardized performance does not reflect withdrawal charges. If the non-standardized performance reflected these fees, performance would be lower in the years the charges applied. The performance data presented represents past performance. Past performance is not a guarantee of future results, and current performance may be lower or higher than the performance quoted. The investment return and total value of a contract will fluctuate so that a client s interest in the contract, when redeemed, may be worth more or less than its original cost. For the most recent month-end performance, please contact your financial advisor, visit our website at or or call Performance shown is that of the Venture 4 Variable Annuity product. Performance of other annuity products issued by John Hancock Life Insurance Company (U.S.A.) or John Hancock Life Insurance Company of New York will not be the same due to different charges. Results are based on historical performance of the John Hancock Life Insurance Company (U.S.A.) Separate Account H, or of the John Hancock Life Insurance Company of New York Separate Account A, Venture 4 Variable Annuity sub-accounts that invest in corresponding portfolios of the John Hancock Variable Insurance Trust (JHVIT). The intent is to reflect performance of a hypothetical investment in a sub-account since its commencement of operations. The investment objectives and policies of these JHVIT portfolios may be similar to those of other funds managed by the same investment sub-advisors [or portfolio managers]. 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 sub-advisor. Investment results will differ and be higher or lower than the investment results of other such funds. This material is authorized for distribution only when preceded or accompanied by current Venture 4 Variable Annuities product and fund prospectuses that contain complete details on investment objectives, risks, fees, charges, and expenses as well as other information about the contract and the underlying portfolios of the investment company. Please read the prospectuses and consider these factors carefully before purchasing. For additional prospectuses, please contact your financial advisor or visit or Withdrawals may be subject to withdrawal charges and will reduce the death benefit, optional benefits and contract value. Withdrawals will come first from any gain in the contract. 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. 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. 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, particularly those interested in directing the underlying portfolio options of their annuity contract on their own. The Company does not provide advice regarding appropriate portfolio allocations; please discuss this matter with your financial advisor. 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. American Funds and Square Design are registered trademarks of American Funds Distributors, Inc. and the Capital Group Companies, Inc. 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. This material was prepared to support the promotion and marketing of variable annuities. John Hancock, its distributors, and their respective representatives do not provide 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, investment, or legal statements made herein. For use with policy form number series VENTURE.100, VENTURE.100-NY-REV.06, and VENTURE NY-REV.06, and rider form number series BR001.06, BR OR, BR NY, and BR NY. Individual contract form numbers may vary depending on state of issue. When distributed to prospective clients, this material must be preceded or accompanied by the variable annuity brochure, appropriate product brochure and the product and fund prospectuses, which contains complete details as well as a description of the features and benefits of a variable annuity. Issuer and Administrator John Hancock Life Insurance Company (U.S.A.), Bloomfield Hills, MI (not licensed in NY) New York: John Hancock Life Insurance Company of New York, Valhalla, NY John Hancock Annuities Service Center P.O. Box 9505 Portsmouth, NH New York Contracts: P.O. Box 9506 Portsmouth, NH All rights reserved.