Please call 1-877-346-8378 to obtain Fund Sheets for the group annuity investment option sub-accounts and to obtain prospectuses for the sub-accounts'
underlying funds, that are available on request. The prospectuses for the sub-accounts' underlying funds contain complete details on investment objectives, risks,
fees, charges and expenses as well as other information about the underlying funds which should be carefully considered before investing.
John Hancock Life Insurance Company (U.S.A.) (John Hancock USA), and John Hancock Life Insurance Company of New York (John Hancock New York), are referred to as
This information does not constitute legal or tax advice with respect to any taxpayer. It was neither written nor intended for use by any such taxpayer for the
purpose of avoiding penalties, and it cannot be so used. If it is used or referred to in promoting, marketing, or recommending any transaction or matter addressed
herein, it should be understood as having been written to support such promotion, marketing, or recommendation, and any taxpayer receiving it should seek advice
based on the taxpayer's particular circumstances from an independent tax advisor.
Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.)("John Hancock USA"), Boston, MA (not licensed
in New York) and John Hancock Life Insurance Company of New York ("John Hancock NY"), Valhalla, NY. Product features and availability may differ by state
John Hancock USA and John Hancock NY each make available a platform of investment alternatives to sponsors or administrators of retirement plans without regard
to the individualized needs of any plan. Unless otherwise specifically stated in writing, John Hancock USA and John Hancock NY do not, and are not undertaking to,
provide impartial investment advice or give advice in a fiduciary capacity.
NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED