Venture. Planning for retirement? Retirement options from John Hancock. Variable Annuities. Why John Hancock?

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1 Planning for retirement? Venture Variable Annuities As someone considering an annuity, you re likely approaching this next phase of your life. Retirement is filled with expectations and uncertainties. You may be asking... Will I have enough money to retire? Will I retire at the wrong time? Will my money last as long as my retirement? Look to John Hancock for solutions Increasing life expectancies, more active lifestyles, and rising health care costs can translate into unanticipated retirement expenses. And uncertain markets can threaten even the most solidly built portfolio. John Hancock is devoted to helping protect the financial future of our clients by assisting them in overcoming these challenges, while staying on top of their changing needs. Why John Hancock? We can help you protect and grow your retirement income. Contact your financial advisor or visit 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. Our products offer the flexibility to help you meet your changing needs in the years ahead. We enable you to choose lifetime income for one or two lives. Our approach has been protecting the financial future of our clients since Guarantees are based upon the claims-paying ability of the issuer. Guarantees do not apply to the investment performance or safety of amounts held in the variable accounts. Venture is a registered service mark of John Hancock Life Insurance Company (U.S.A.) and is used under license by John Hancock Life Insurance Company of New York. Venture Combination Fixed and 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. Retirement options from John Hancock e Save $50 every year. Sign up for Delivery to receive your statements, transaction confirmations, and other financial documents electronically, and we will waive your $50 annual contract fee every year. Start by providing your address on the application. 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 Issued by John Hancock Life Insurance Company (U.S.A.) New York: John Hancock Life Insurance Company of New York All rights reserved CS5.indd : /6/11 8:55 PM

2 Planning for retirement? Venture Variable Annuities As someone considering an annuity, you re likely approaching this next phase of your life. Retirement is filled with expectations and uncertainties. You may be asking... Will I have enough money to retire? Will I retire at the wrong time? Will my money last as long as my retirement? Look to John Hancock for solutions Increasing life expectancies, more active lifestyles, and rising health care costs can translate into unanticipated retirement expenses. And uncertain markets can threaten even the most solidly built portfolio. John Hancock is devoted to helping protect the financial future of our clients by assisting them in overcoming these challenges, while staying on top of their changing needs. Why John Hancock? We can help you protect and grow your retirement income. Contact your financial advisor or visit 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. Our products offer the flexibility to help you meet your changing needs in the years ahead. We enable you to choose lifetime income for one or two lives. Our approach has been protecting the financial future of our clients since Guarantees are based upon the claims-paying ability of the issuer. Guarantees do not apply to the investment performance or safety of amounts held in the variable accounts. Venture is a registered service mark of John Hancock Life Insurance Company (U.S.A.) and is used under license by John Hancock Life Insurance Company of New York. Venture Combination Fixed and 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. Retirement options from John Hancock e Save $50 every year. Sign up for Delivery to receive your statements, transaction confirmations, and other financial documents electronically, and we will waive your $50 annual contract fee every year. Start by providing your address on the application. 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 Issued by John Hancock Life Insurance Company (U.S.A.) New York: John Hancock Life Insurance Company of New York All rights reserved CS5.indd : /6/11 8:55 PM

3 Expect the Unexpected With longer life expectancies and generally more active retirement living, it s important for you to have a strategy that can adapt to your changing needs, and that can withstand the test of time. Plan to face challenges in retirement that will add pressure to your savings. Here are a few to expect: Pensions and Social Security alone won t provide enough income. In the early 1980s, nearly half the working population had a corporate pension. During the 1990s, many companies began to switch over to defined contribution plans. Since then, the number of covered workers has steadily declined. 1 Relying on Social Security alone is also risky, as it will only provide a minimum level of retirement income. Plus, its future is also being called into question. For the first time in three decades, Social Security beneficiaries did not receive an automatic cost-of-living adjustment in Chances are you ll live a long life! The chance that at least one spouse of a healthy couple, aged 65, will reach age 95 is almost 50%. 3 Health care expenses can add up. The average couple retiring at age 65 will need $250,000 to pay the out-of-pocket costs of health care throughout their retirement. 4 Inflation will impact your spending power. As an active retiree, plan on spending as much as 100% to 110% of your working budget in retirement. 5 Also consider that in 20 years, it will take an annual income of over $131,000 to equal the spending power of $75,000 today, assuming a 3% average annual inflation rate. 5 1 Pensions: Standard & Poor s. 2 Social Security: Social Security Administration. 3 Longevity: Society of Actuaries 2000 Mortality Tables, Scale G. 4 Health Care Expenses: Fidelity Investments, Inflation: University of Missouri, 2009.

4 A variable annuity can help alleviate pressure on your savings and help you overcome retirement s unexpected events. A variable annuity is a long-term contract between you and an insurance company that combines investment and protection features, helping you to: Grow retirement assets on a tax-deferred basis through a diversified portfolio of professionally managed investment options. Create a predictable, sustainable stream of lifetime income. Protect your legacy through a death benefit and other optional benefits. More information on the investment and protection options available with this annuity is included in the accompanying brochures. A variable annuity can be purchased with either qualified or nonqualified assets. If purchased through an IRA or qualified plan, it will not provide any additional tax advantages beyond that of the plan. Therefore, an annuity should only be purchased through these vehicles if you value the other features, and are willing to incur the annuity s annual fees for portfolio options, insurance, and other expenses, including any additional fees for optional protection benefits such as a guaranteed minimum withdrawal benefit (GMWB), which is explained in the enclosed brochure. Withdrawals come first from any contract gains, and can reduce the death benefits, optional benefits, and contract value. Taxable distributions are subject to ordinary income tax and, if made prior to age 59½, may also be subject to a 10% federal income tax penalty. Certain qualified retirement plans require distributions to begin by age 70½. Consult your financial advisor, as well as the prospectus, for further details.

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7 Planning for retirement? Venture Variable Annuities As someone considering an annuity, you re likely approaching this next phase of your life. Retirement is filled with expectations and uncertainties. You may be asking... Will I have enough money to retire? Will I retire at the wrong time? Will my money last as long as my retirement? Look to John Hancock for solutions Increasing life expectancies, more active lifestyles, and rising health care costs can translate into unanticipated retirement expenses. And uncertain markets can threaten even the most solidly built portfolio. John Hancock is devoted to helping protect the financial future of our clients by assisting them in overcoming these challenges, while staying on top of their changing needs. Why John Hancock? We can help you protect and grow your retirement income. Contact your financial advisor or visit 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. Our products offer the flexibility to help you meet your changing needs in the years ahead. We enable you to choose lifetime income for one or two lives. Our approach has been protecting the financial future of our clients since Guarantees are based upon the claims-paying ability of the issuer. Guarantees do not apply to the investment performance or safety of amounts held in the variable accounts. Venture is a registered service mark of John Hancock Life Insurance Company (U.S.A.) and is used under license by John Hancock Life Insurance Company of New York. Venture Combination Fixed and 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. Retirement options from John Hancock e Save $50 every year. Sign up for Delivery to receive your statements, transaction confirmations, and other financial documents electronically, and we will waive your $50 annual contract fee every year. Start by providing your address on the application. 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 Issued by John Hancock Life Insurance Company (U.S.A.) New York: John Hancock Life Insurance Company of New York All rights reserved CS5.indd : /6/11 8:55 PM

8 Planning for retirement? Venture Variable Annuities As someone considering an annuity, you re likely approaching this next phase of your life. Retirement is filled with expectations and uncertainties. You may be asking... Will I have enough money to retire? Will I retire at the wrong time? Will my money last as long as my retirement? Look to John Hancock for solutions Increasing life expectancies, more active lifestyles, and rising health care costs can translate into unanticipated retirement expenses. And uncertain markets can threaten even the most solidly built portfolio. John Hancock is devoted to helping protect the financial future of our clients by assisting them in overcoming these challenges, while staying on top of their changing needs. Why John Hancock? We can help you protect and grow your retirement income. Contact your financial advisor or visit 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. Our products offer the flexibility to help you meet your changing needs in the years ahead. We enable you to choose lifetime income for one or two lives. Our approach has been protecting the financial future of our clients since Guarantees are based upon the claims-paying ability of the issuer. Guarantees do not apply to the investment performance or safety of amounts held in the variable accounts. Venture is a registered service mark of John Hancock Life Insurance Company (U.S.A.) and is used under license by John Hancock Life Insurance Company of New York. Venture Combination Fixed and 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. Retirement options from John Hancock e Save $50 every year. Sign up for Delivery to receive your statements, transaction confirmations, and other financial documents electronically, and we will waive your $50 annual contract fee every year. Start by providing your address on the application. 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 Issued by John Hancock Life Insurance Company (U.S.A.) New York: John Hancock Life Insurance Company of New York All rights reserved CS5.indd : /6/11 8:55 PM