38500 Woodward Avenue Bloomfield Hills, Michigan 48304 |
(Address of Depositor’s Principal Executive Offices) |
Sophia Pattas, Esquire John Hancock Life Insurance Company (U.S.A.) 197 Clarendon Street Boston, MA 02116 |
(Name and Address of Agent for Service) |
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Appendix-1 |
FEES AND EXPENSES | |||
Sales Charges |
There are charges that you pay at the time you purchase the Contract or
make an Additional Purchase Payment. The maximum sales charge
is 5.5% of the Purchase Payment of up to $49,999, reducing
increments (4.50% for $50,000 to $99,999.99, 3.50% for $100,000 to
$249,999.99, 2.50% for $250,000 to $499,999.99, 2.00% for
$500,000 to $999,999.99) to 0.5% of the Purchase Payment of
$1,000,000 or more. For example, assuming a $100,000 investment, the highest possible sales charge would be
$4,500. For more information on
sales charges, please refer to “IV. Fee Tables –Transaction
Expenses.” | ||
Charges for Early
Withdrawals (or surrender
charges, if applicable) |
If your Cumulative Value is $1 million and over, we apply a withdrawal
charge equal to 0.50% of Purchase Payments withdrawn in the
first six months after payment. •For Contracts purchased on or after November 9, 2009, your
Cumulative Value is equal to your current Purchase Payment
and, if making an Additional Purchase Payment, the greater
of your Contract Value or the sum of all previous Purchase Payments
minus any withdrawals. •For Contracts purchased before November 9, 2009, Cumulative Value is equal to your
current Purchase Payment plus your existing Contract Value plus the
value of any Associated Accounts (in states where
permitted; not available in New York) (see “VIII.
Charges & Deductions - Front-End Sales Charges”). For example, assuming a $100,000 Cumulative Value, there would be no surrender charge. For more information on charges for early withdrawals, please refer to
“IV. Fee Tables – Transaction Expenses.” | ||
Transaction Charges |
In addition to sales or surrender charges (if applicable), you may also be
charged for the following transactions: State premium taxes, which
currently range from 0.04% to 4.00% of each Purchase Payment
(see “VIII. Charges and Deductions – Premium Taxes”),
may also apply to your Contract. We reserve the right to impose a charge in the future for transfers in excess of 12 per year. The
amount of this fee will not exceed the lesser of $25 or 2% of the amount
transferred. For more information on transaction charges and transfer fees, please refer to “IV. Fee Tables –Transaction Expenses” and “VIII. Charges and Deductions – Premium
Taxes.” |
Ongoing Fees and
Expenses (annual charges) |
The tables below describe the fees and expenses that you may pay each
year, depending on the options you choose. Please refer to
your Contract specifications page for information about the
specific fees you will pay each year based on the options you have elected. | ||
Annual Fee |
Minimum |
Maximum | |
Base Contract1 |
0.80% |
0.80% | |
Investment Options (Portfolio Company fees
and expenses)2 |
0.25% |
1.13% | |
Optional benefits available for an additional
Charge (for a single optional benefit, if
elected) |
0.20%1 |
1.00%3 | |
1Charge based on average daily assets allocated to the Subaccounts. | |||
2Charge based as a percentage of the Portfolio’s average net assets. | |||
3Charge based on Adjusted Guaranteed Withdrawal Balance. | |||
Because your Contract is customizable, the choices you make affect how
much you will pay. To help you understand the cost of owning
your Contract, the following table shows the lowest and
highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add charges for early withdrawals or surrender charges that substantially increase costs. | |||
|
Lowest Annual Cost
$975.21 |
Highest Annual Cost
$2,587.057 | |
Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive combination of Contract Classes and Portfolio Company fees and expenses •No optional benefits •Sales charges •No additional purchase payments, transfers or withdrawals |
Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of Contract Classes, optional benefits and Portfolio Company fees and expenses •Sales charges •No additional purchase payments, transfers or withdrawals | ||
For more information on ongoing fees and expenses, please refer to “IV. Fee Tables – Periodic Fees and Expenses Other Than Portfolio Expenses.”
| |||
RISKS | |||
Risk of Loss |
You can lose money by investing in this Contract. You bear the investment
risk of any Portfolio you choose as a Variable Investment
Option for your Contract. For more information on risk of loss, please refer to “V.
Principal Risks of Investing in the Contract.” | ||
Not a Short-Term
Investment |
This Contract is not a short-term investment and is not appropriate for an
investor who needs ready access to cash. The Contract is
unsuitable as a short-term savings vehicle because of the
substantial Contract-level charges, including the surrender charge, as
well as potential adverse tax consequences from such
short-term use. For more information on the short-term investment risks, please refer to “V. Principal Risks of Investing in the Contract.” |
Risks Associated with
Investment Options |
An investment in this Contract is subject to the risk of poor performance
and can vary depending on the performance of the Investment
Options available under the Contract (e.g., Portfolio
Companies). Each such option (including any fixed account investment option) will have its own unique risks, and you should review these Investment Options before making an
investment decision. For more information on
the risks associated with Investment Options, please refer to “V.
Principal Risks of Investing in the Contract.” | ||
Insurance Company Risks |
Your investment in the Contract is subject to risks related to John
Hancock USA or John Hancock New York, including that the
obligations (including under any fixed account investment
option), guarantees, or benefits are subject to the claims-paying ability of John Hancock USA or John Hancock New York. Information about John Hancock USA and John
Hancock New York, including their financial strength ratings, are
available upon request from your John Hancock
representative. Our current financial strength ratings can also be obtained by contacting the Service Office at 1-800-344-1029. For more information on insurance company risks, please refer to “V. Principal Risks of Investing in the Contract.” | ||
Cybersecurity Risks |
Our business and operations are highly dependent upon the effective
operation of our computer systems and those of our
third-party business partners. As a result, there are
potential operational and information security risks associated with
attack, damage, or unauthorized access to the technologies
and systems on which our business depends. These risks
include, among other things, the unauthorized access, theft, loss, misuse, corruption, and destruction of data maintained online or digitally, denial of service on websites and other
operational disruption, and unauthorized release of confidential customer
information. Cyber- attacks affecting us, any third-party
administrator, the underlying portfolios, intermediaries,
and other affiliated or third-party service providers may adversely affect
us and your Contract Value. For instance, cyber-attacks may
interfere with the processing of actions taken on your
Contract, including the processing of transactions and orders from our
website or with the underlying portfolios, impact our
ability to calculate unit values or an underlying portfolio to
calculate a net asset value, or cause the release and possible destruction
of confidential customer or business information.
Cybersecurity risks may also impact the issuers of
securities in which the underlying portfolios invest, which may cause the
portfolios underlying your policy to lose value. While
measures have been implemented that are designed to reduce
cybersecurity risks, there can be no guarantee or assurance that we, the underlying portfolios, or our service providers will not suffer losses affecting your Contract
due to cyber-attacks or information security breaches in the
future. | ||
RESTRICTIONS | |||
Investments |
There are restrictions that may limit the variable Investment Options and
general account option that you may choose, as well as
limitations on the transfer of Contract Value among those
options. These restrictions may include a monthly limit on the number of transfers
you may make. We may also impose additional restrictions to
discourage market timing and disruptive trading
activity. Among other things, the
Contract allows us to eliminate the shares of a Portfolio or substitute shares of another new or existing Portfolio, subject to applicable legal requirements. For more information on investment and transfer restrictions, please refer
to “VII. Description of the Contract.” |
Optional Benefits |
There are restrictions and limitations relating to optional benefits and
whether an optional benefit may be modified or terminated by
us. Withdrawals that exceed limits specified by the terms of an optional
benefit may affect the availability of the benefit by
reducing the benefit by an amount greater than the value
withdrawn, and/or could terminate the benefit. For more information on
optional benefit restrictions, please refer to Appendix B: “Optional
Enhanced Death Benefits” and Appendix C: “Optional Guaranteed Minimum Withdrawal
Benefits. | ||
TAXES | |||
Tax Implications |
You should consult with a tax professional to determine the tax
implications of an investment in and Purchase Payments
received under the Contract. There is no additional tax benefit to you if the Contract was purchased through a tax-qualified plan or an individual retirement
account (IRA). If we pay out any amount of your Contract Value upon
surrender or partial withdrawal, all or part of that
distribution would generally be treated as a return of the
Purchase Payments paid, with any portion not treated as a return of your
Purchase Payments subject to ordinary income tax, and may be
subject to tax penalties. | ||
CONFLICTS OF INTEREST | |||
Investment Professional
Compensation |
Some investment professionals may have received compensation for selling
the Contract by means of various commissions and revenue
sharing arrangements. The investment professional may have
had a financial incentive to offer or recommend this Contract over another investment. For more information on investment professional compensation, please refer
to “VI. General Information about Us, the Separate Accounts and the
Portfolios.” | ||
Exchanges |
Some investment professionals may have a financial incentive to offer you
a new Contract in place of the one you already own, and you
should only exchange your Contract if you determine, after
comparing the features, fees, and risks of both contracts, that it is preferable for you to purchase the new contract rather than continue to own the existing Contract. For more information on exchanges, please refer to “IX. Federal Tax Matters.” |
If you elected to purchase any of these guaranteed minimum withdrawal benefit Riders, you may invest your Contract Value
only in the Variable Investment Options we make available for these Riders
(see Appendix C: “Guaranteed Minimum Withdrawal Benefit
Riders”). We also reserve the right to impose additional restrictions on Investment Options at any time. |
Sales Charge | |
If your Cumulative Value2
is: |
The Sales Charge
(as a percentage of Purchase Payments) is: |
Up to $49,999.99 |
5.50% |
$50,000 to $99,999.99 |
4.50% |
$100,000 to $249,999.99 |
3.50% |
$250,000 to $499,999.99 |
2.50% |
$500,000 to $999,999.99 |
2.00% |
$1,000,000 and over |
0.50% |
Withdrawal Charge
If your Cumulative Value2 is $1 million and over, we apply
a withdrawal charge equal to 0.50% of Purchase
Payments withdrawn in the first six months after
payment. | |
Transfer Fee3 | |
Maximum Fee (as a percentage of Purchase Payments)1 |
$25 |
Current Fee |
$0 |
Administrative Expenses1 |
$30 |
Base Contract Expenses |
|
(as a percentage of Separate Account value) |
0.80% |
Optional Benefit Expenses2 |
|
Annual Step-Up Death Benefit Fee (as a percentage of the Variable
Investment Options) |
0.20% |
Optional Guaranteed Minimum Withdrawal Benefit Rider Fee (maximum)3,4 |
1.20% |
Rider |
Issued In |
Maximum Fee |
Current Fee |
Income Plus For Life ®2.081 |
All states |
1.20% |
0.60% |
Income Plus For Life –Joint Life ®2.081 |
All states |
1.20% |
0.60% |
Income Plus For Life ®5.091 |
All states |
1.20% |
0.90% |
Income Plus For Life – Joint Life ® 5.091
|
All states |
1.20% |
0.90% |
Income Plus For Life – 5.101 |
All states |
1.20% |
1.00% |
Income Plus For Life – Joint Life ®5.101 |
All states |
1.20% |
1.00% |
Annual Portfolio Company Expenses |
Venture Opportunity A Share
with IPFL 5.10 Series Rider |
Venture Opportunity A Share
without IPFL 5.10 Series Rider | ||
Minimum |
Maximum |
Minimum |
Maximum | |
(expenses that are deducted from Portfolio
Company assets, including management fees,
distribution and/or service (Rule 12b-1 fees) and
other expenses) |
0.52% |
0.95% |
0.44% |
1.14% |
John Hancock USA & John Hancock New York
Contract with any Income Plus For Life® Series
Rider and Annual Step-Up Death Benefit Riders | ||||
|
1 Year |
3 Years |
5 Years |
10 Years |
If you surrender the Contract at the end of the applicable time
period: |
$8,642 |
$14,976 |
$21,657 |
$39,854 |
If you annuitize, or do not surrender the Contract at the end of the
applicable time period: |
$8,642 |
$14,976 |
$21,657 |
$39,854 |
John Hancock USA & John Hancock New York Contract with no optional benefit Riders | ||||
|
1 Year |
3 Years |
5 Years |
10 Years |
If you surrender the Contract at the end of the applicable time
period: |
$6,706 |
$9,109 |
$11,692 |
$19,034 |
If you annuitize, or do not surrender the Contract at the end of the
applicable time period: |
$6,706 |
$9,109 |
$11,692 |
$19,034 |
Name of
Benefit |
Purpose |
Is Benefit
Standard
or Optional? |
Maximum
Fee |
Brief
Description of
Restrictions/Limitations |
Dollar Cost
Averaging
(“DCA”) |
Under the DCA program, you
designate an amount that is
transferred monthly from one
variable or fixed investment account
into any other variable investment
account. |
Standard |
No charge |
•DCA Fixed Investment Options may not always be available. You may elect out of the DCA program at any time. •Offered in all states. |
Asset
Rebalancing
Program |
Under the asset allocation
rebalancing program, you designate
a percentage allocation of Contract
Value among variable investment
accounts. We automatically transfer
amounts among the variable
investment accounts at intervals you
select (annually, semi- annually,
quarterly, or monthly) to reestablish
your chosen allocation. |
Standard |
No charge |
•We reserve the right to cease this program after written notice to you. •Offered in all states. |
Death Benefit |
If the Owner dies before the Annuity
Commencement Date, the Death
Benefit will be the greater of the
Contract Value or the Minimum
Death Benefit, less any Debt. If the Annuitant dies
during the Pay- out Period after an Annuity Option
has been selected, and, we make the
remaining guaranteed payments to
the Beneficiary. |
Standard |
No charge |
•We do not make any payments to a Beneficiary if the last surviving Covered Person dies while we are making payments under an Annuity Option providing only for payments for life, or payments during the Settlement Phase under an optional GMWB Rider. |
Waiver of
Applicable
Withdrawal
Charge –
Confinement to
Eligible Nursing
Home |
Any applicable withdrawal charge
will be waived on a total withdrawal
prior to the Maturity Date if
confined to an Eligible Nursing
Home. |
Optional |
No charge |
•For Contracts issued on or after May 1, 2002. •Not offered in MA and NY. |
Income Made
Easy Program |
Provides payment of an income for
the lifetime of the Covered Person. |
Optional |
No charge |
•Requires a GMWB Rider with a Contract. •Offered in all states. |
Enhanced
Earnings Death
Benefit |
Provides a payment equal to 40% of
the appreciation in the Contract
Value (i.e., the Contract Value less
the sum of all Purchase Payments,
reduced proportionally by any
amount deducted in connection with
withdrawals) upon the death of any
Contract Owner if the oldest Owner
is 69 or younger at issue, and 25% if
the oldest Owner is 70 or older at
issue. |
Optional |
0.20% (of the
value of the
Variable
Investment
Options) |
•Only available at issue. •Not offered in NY and WA. |
Name of
Benefit |
Purpose |
Is Benefit
Standard
or Optional? |
Maximum
Fee |
Brief
Description of
Restrictions/Limitations |
Annual Step-Up
Death Benefit |
Guarantees a minimum death benefit
up to the Maturity Date based on the
Contract’s highest “Anniversary
Value” that may be achieved before
you (or any joint Owner) reach 81
years old. |
Optional |
0.05% (of the
value of the
Variable
Investment
Options) |
•The Annual Step-Up Death Benefit was available if you (and every joint Owner) were under age 80 when we issued the Contract. •The Rider cannot be revoked once elected. |
Guaranteed
Minimum
Withdrawal
Benefit
(“GMWB”)
Riders |
Lifetime Income Amount type of
benefit provides a guarantee of a
minimum amount available for
annual withdrawals for the duration
of a single lifetime, or for the
duration of two (“joint”) lifetimes.
Guaranteed Withdrawal Amount
type of benefit provides a guarantee
of a minimum amount available for
annual withdrawals that will last for
a period of time measured by a
Benefit Base. The Rider may
provide either or both types of
benefits. The GMWB Riders we
have offered are: |
Optional |
|
•Only available at issue. •The GMWB Rider fees are listed in APPENDIX C and are deducted on each Contract Anniversary. •We reserve the right to increase the fee on the effective date of each Step-Up. •The Investment Options available under GMWB Riders are restricted. |
•Income Plus For Life®2.08 |
1.20% (of the
Adjusted
Benefit Base) |
Offered in all states. | ||
•Income Plus For Life –Joint
Life®
2.08 |
1.20% (of the
Adjusted
Benefit Base) |
Offered in all states. | ||
•Income Plus For Life®5.09 |
1.20% (of the
Adjusted
Benefit Base) |
Offered in all states. | ||
•Income Plus For Life – Joint Life®5.09 |
1.20% (of the
Adjusted
Benefit Base) |
Offered in all states. | ||
•Income Plus For Life ®5.10 |
1.20% (of the
Adjusted
Benefit Base) |
Offered in all states. | ||
•Income Plus For Life – Joint Life ®5.10 |
1.20% (of the
Adjusted
Benefit Base) |
Offered in all states. |
Once annuity payments begin under an Annuity Option, you will not be able to make any additional withdrawals under a
Contract with a guaranteed minimum withdrawal benefit Rider.
|
If Your Cumulative Value Is: |
The Front-End Sales Charge
On Your Purchase Payment Is: |
Up to $49,999.99 |
5.50% |
$50,000 to $99,999 |
4.50% |
$100,000 to $249,999 |
3.50% |
$250,000 to $499,999 |
2.50% |
$500,000 to $999,999 |
2.00% |
$1,000,000 and over |
0.50% |
|
Premium Tax Rate1 | |
State or Territory |
Qualified Contracts |
Nonqualified Contracts |
CA |
0.50% |
2.35% |
CO |
0.00% |
2.00% |
GUAM |
4.00% |
4.00% |
ME2 |
0.00% |
2.00% |
NV |
0.00% |
3.50% |
PR |
1.00% |
1.00% |
SD2 |
0.00% |
1.25%3 |
TX4 |
0.04% |
0.04% |
WY |
0.00% |
1.00% |
You must pay tax on any portion of a conversion or rollover amount that would have been taxed if you had not converted or
rolled over to a Roth IRA. If you convert a Contract issued as a traditional
IRA to a Roth IRA, the amount deemed to be the conversion
amount for tax purposes may be higher than the Contract Value because of the deemed value of guarantees. If you convert a Contract issued as a traditional IRA to a Roth IRA, you may instruct us not to withhold any of the conversion
amount for taxes and remittance 45 to the IRS. If you do instruct us to
withhold for taxes when converting a Contract issued as a
traditional IRA to a Roth IRA, we will treat any amount we withhold as a withdrawal from your Contract, which could result in an Excess Withdrawal and a reduction in the benefit value of any elected optional guarantee Rider, in a proportion
determined by the Rider. Please read Appendix C: “Guaranteed Minimum
Withdrawal Benefit Riders” for more information about the
impact of withdrawals. |
Other Qualified Plan Types |
|
SIMPLE IRA Plans |
In general, under Section 408(p) of the Code a small business employer may
establish a SIMPLE IRA plan if the employer employed no more
than 100 employees. In general, an employee must be covered
by the SIMPLE IRA, if the employee is expected to earn at
least $5,000 during the current calendar year and had $5,000
of earnings during any two years preceding the current calendar year. Under a SIMPLE IRA plan both employees and the employer make deductible contributions.
SIMPLE IRAs are subject to various requirements, including limits on the
amounts that may be contributed, the persons who may be
eligible, and the time when distributions may commence. The
requirements for minimum distributions from a SIMPLE IRA
plan are generally the same as those discussed above for distributions from a traditional IRA. The rules on taxation of distributions are also similar to those
that apply to a traditional IRA with a few exceptions. |
Simplified Employee Pensions
(SEP-IRAs) |
Section 408(k) of the Code allows employers to establish simplified employee
pension plans for their employees, using the employees’ IRAs for
such purposes, if certain criteria are met. Under these
plans the employer may, within specified limits, make
deductible contributions on behalf of the employees to IRAs. The requirements for minimum distributions from a SEP-IRA, and rules on taxation of distributions
from a SEP-IRA, are generally the same as those discussed above for
distributions from a traditional IRA. |
Other Qualified Plan Types |
|
Corporate and Self- Employed
Pension and Profit-Sharing Plans
(H.R. 10 and Keogh) |
Sections 401(a) and 403(a) of the Code permit corporate employers to
establish various types of tax-deferred retirement plans for
employees. The Self-Employed Individuals’ Tax
Retirement Act of 1962, as amended, commonly referred to as “H.R. 10” or “Keogh,” permits self-employed individuals to establish tax-favored
retirement plans for themselves and their employees. Such retirement plans
may permit the purchase of annuity contracts in order to
provide benefits under the plans, however, there are limits
on the amount of incidental benefits that may be provided
under pension and profit sharing plans. |
Deferred Compensation Plans of
State and Local Governments and
Tax- Exempt Organizations |
Section 457 of the Code permits employees of state and local governments and tax-
exempt organizations to defer a portion of their compensation without
paying current taxes. The employees must be participants in
an eligible deferred compensation plan. A Section 457 plan
must satisfy several conditions, including the requirement that it must not permit distributions prior to your separation from service (except in the
case of an unforeseen emergency). When we make payments under a Section
457 Contract, the payment is taxed as ordinary
income. |
If we have to withhold a portion of your distribution, we will treat any amount we withhold as a withdrawal from your
Contract, which could result in an Excess Withdrawal or other type of
reduction in the guarantees and benefits that you may have
purchased under an optional benefits Rider to your Contract. |
We do not need to withhold any amounts if you provide us with information, on the forms we require for this purpose, that
you wish to assign a Qualified Contract to another Qualified Plan and/or
transfer amounts from that Contract directly to another
Qualified Plan. Similarly, if you wish to make Additional Purchase Payments to a Qualified Contract, you may find it advantageous to instruct your existing retirement plan to transfer amounts directly to us, in lieu of making a distribution to
you. Please seek independent tax advice if you intend to maintain a Contract for use with a Qualified Plan. |
If you instruct us to transfer a rollover amount from a Qualified Contract to a Roth IRA, we will assume it is permitted
under your plan and you may instruct us to not withhold any of the rollover
for taxes and remittance to the IRS. A direct rollover is not
subject to mandatory tax withholding, even if the distribution is includible in gross income. If you instruct us to withhold taxes in connection with a direct rollover from an existing Contract to a Roth IRA, we will treat any amount we
withhold as a withdrawal from your Contract. This could result in an Excess
Withdrawal, or other reduction of the guarantees and benefits
you may have purchased under an optional benefits Rider to your Contract. Please read Appendix C: “Guaranteed Minimum Withdrawal Benefit Riders” for information about the impact of withdrawals on optional benefit
Riders. |
Investment Objective |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual
Total Returns
(as of 12/31/23) (%) | ||
1-Year |
5-Year |
10-Year | |||
To approximate the aggregate total return
of a broad-based U.S. domestic equity
market index. |
500 Index Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (North America) Limited |
0.25%* |
25.95 |
15.40 |
11.75 |
To seek to provide high total return
(including income and capital gains)
consistent with preservation of capital
over the long term. |
American Asset Allocation Trust - Series
III
Capital Research and Management
Company (Adviser to the Master Fund,
American Fund Insurance Series) |
0.58% |
14.23 |
9.16 |
7.23 |
To seek to provide long-term growth of
capital. |
American Global Growth Trust - Series
III
Capital Research and Management
Company (Adviser to the Master Fund,
American Fund Insurance Series) |
0.71%* |
22.55 |
13.61 |
9.56 |
To seek to provide growth of capital. |
American Growth Trust - Series III
Capital Research and Management
Company (Adviser to the Master Fund,
American Fund Insurance Series) |
0.62%* |
38.45 |
18.66 |
14.33 |
To seek to provide long-term growth of
capital and income. |
American Growth-Income Trust - Series
III
Capital Research and Management
Company (Adviser to the Master Fund,
American Fund Insurance Series) |
0.56%* |
26.14 |
13.34 |
10.90 |
To seek to provide long-term growth of
capital. |
American International Trust - Series III
Capital Research and Management
Company (Adviser to the Master Fund,
American Fund Insurance Series) |
0.82%* |
15.76 |
4.81 |
3.38 |
To seek total return consisting of income
and capital appreciation. |
Core Bond Trust - Series I
John Hancock Variable Trust Advisers
LLC/Allspring Global Investments, LLC |
0.68%* |
5.80 |
1.05 |
1.69 |
Investment Objective |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual
Total Returns
(as of 12/31/23) (%) | ||
1-Year |
5-Year |
10-Year | |||
To seek long-term growth of capital. |
Disciplined Value International Trust -
Series I
John Hancock Variable Trust Advisers
LLC/Boston Partners Global Investors, Inc. |
0.84%* |
19.96 |
8.42 |
3.05 |
To seek long-term capital appreciation. |
Emerging Markets Value Trust - Series
NAV
John Hancock Variable Trust Advisers
LLC/Dimensional Fund Advisors LP |
1.03%* |
15.15 |
5.42 |
3.06 |
To seek long-term capital appreciation. |
Fundamental Large Cap Value Trust -
Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.78%* |
23.45 |
17.57 |
10.18 |
To seek long-term capital appreciation. |
Global Equity Trust - Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.94%* |
20.09 |
8.94 |
4.52 |
To realize an above-average total return
over a market cycle of three to five years,
consistent with reasonable risk. |
High Yield Trust - Series I
John Hancock Variable Trust Advisers
LLC/Western Asset Management Company, LLC |
0.86%* |
13.05 |
4.90 |
3.54 |
To seek long-term capital appreciation. |
International Small Company Trust -
Series I
John Hancock Variable Trust Advisers
LLC/Dimensional Fund Advisors LP |
1.05%* |
13.44 |
7.00 |
4.21 |
To provide a high level of current income
consistent with the maintenance of
principal and liquidity. |
Investment Quality Bond Trust - Series I
John Hancock Variable Trust Advisers
LLC/Wellington Management Company LLP |
0.76%* |
6.49 |
1.37 |
1.94 |
To seek a balance between a high level of
current income and growth of capital,
with a greater emphasis on growth of
capital. |
Lifestyle Balanced Portfolio - Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.69% |
13.74 |
6.91 |
5.37 |
To seek a high level of current income
with some consideration given to growth
of capital. |
Lifestyle Conservative Portfolio - Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.71%* |
9.12 |
3.62 |
3.29 |
Investment Objective |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual
Total Returns
(as of 12/31/23) (%) | ||
1-Year |
5-Year |
10-Year | |||
To seek long-term growth of capital.
Current income is also a consideration. |
Lifestyle Growth Portfolio - Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.67% |
17.00 |
9.09 |
6.72 |
To seek a balance between a high level of
current income and growth of capital,
with a greater emphasis on income. |
Lifestyle Moderate Portfolio - Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.70%* |
12.15 |
5.81 |
4.67 |
To seek growth of capital and current
income while seeking to both manage the
volatility of return and limit the
magnitude of portfolio losses. |
Managed Volatility Balanced Portfolio -
Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.81% |
11.99 |
4.62 |
3.81 |
To seek current income and growth of
capital, while seeking to both manage the
volatility of return and limit the
magnitude of portfolio losses. |
Managed Volatility Conservative Portfolio
- Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.80% |
5.47 |
1.74 |
2.36 |
To seek long term growth of capital while
seeking to both manage the volatility of
return and limit the magnitude of
portfolio losses. |
Managed Volatility Growth Portfolio -
Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.84% |
13.69 |
5.18 |
3.70 |
To seek current income and growth of
capital while seeking to both manage the
volatility of return and limit the
magnitude of portfolio losses. |
Managed Volatility Moderate Portfolio -
Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.80% |
10.64 |
4.15 |
3.72 |
To seek long-term growth of capital. |
Mid Cap Growth Trust - Series I
John Hancock Variable Trust Advisers
LLC/Wellington Management Company LLP |
0.95% |
18.71 |
12.32 |
9.73 |
Seeks to approximate the aggregate total
return of a mid cap U.S. domestic equity
market index. |
Mid Cap Index Trust - Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (North America) Limited |
0.46%* |
16.01 |
12.14 |
8.81 |
To seek long-term capital appreciation. |
Mid Value Trust - Series I
John Hancock Variable Trust Advisers
LLC/T. Rowe Price Associates, Inc. |
1.01%* |
18.52 |
13.06 |
9.29 |
Investment Objective |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual
Total Returns
(as of 12/31/23) (%) | ||
1-Year |
5-Year |
10-Year | |||
To obtain maximum current income
consistent with preservation of principal
and liquidity. |
Money Market Trust** - Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.33%* |
4.76 |
1.64 |
1.04 |
To seek maximum total return, consistent
with preservation of capital and prudent
investment management. |
Opportunistic Fixed Income Trust - Series
I
John Hancock Variable Trust Advisers
LLC/Wellington Management Company LLP |
0.93%* |
8.23 |
2.67 |
2.16 |
To seek income and capital appreciation. |
Select Bond Trust - Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.65%* |
6.10 |
1.34 |
1.86 |
To seek long-term capital appreciation. |
Small Cap Stock Trust - Series I
John Hancock Variable Trust Advisers
LLC/Wellington Management Company LLP |
1.13%* |
16.10 |
11.10 |
7.37 |
To seek long-term capital appreciation. |
Small Cap Value Trust - Series I
John Hancock Variable Trust Advisers
LLC/Wellington Management Company LLP |
1.04%* |
14.01 |
8.80 |
6.02 |
To seek to track the performance of the
Bloomberg U.S. Aggregate Bond Index
(the “Bloomberg Index”) (which
represents the U.S. investment grade bond
market). |
Total Bond Market Trust - Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.30%* |
5.35 |
0.76 |
1.54 |
The fund seeks a high level of current
income consistent with the maintenance
of liquidity and the preservation of
capital. |
Ultra Short Term Bond Trust - Series I
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.67%* |
4.60 |
1.55 |
1.03 |
Date |
Anniversary Values |
Minimum Death Benefit |
Annual Step-up Death Benefit |
May 1, 2006 |
$100,000 |
$100,000 |
$100,000 |
May 1, 2007 |
$97,000 |
$100,000 |
$100,000 |
May 1, 2008 |
$106,000 |
$100,000 |
$106,000 |
May 1, 2009 |
$109,000 |
$100,000 |
$109,000 |
May 1, 2010 |
$114,000 |
$100,000 |
$114,000 |
May 1, 2011 |
$104,000 |
$100,000 |
$114,000 |
May 1, 2012 |
$101,000 |
$100,000 |
$114,000 |
May 1, 2013 |
$106,000 |
$100,000 |
$114,000 |
May 1, 2014 |
$113,000 |
$100,000 |
$114,000 |
May 1, 2015 |
$115,000 |
$100,000 |
$115,000 |
May 1, 2016 |
$119,000 |
$100,000 |
$119,000 |
May 1, 2017 |
$122,000 |
$100,000 |
$122,000 |
May 1, 2018 |
$118,000 |
$100,000 |
$122,000 |
The Annual Step-Up Death Benefit may not always be in your interest since an additional fee is imposed for this benefit
and we provide no assurance that investment performance will be sufficient to
result in an increased death benefit. |
Changes to the Owner, Annuitant or Beneficiary after the Rider is issued may reduce, limit or terminate benefits available
under the Rider. |
If we decide to increase the rate of a Rider fee at the time of a Step-Up, you will receive advance notice and be given the
opportunity of no less than 30 days to decline the Step-Up. If you decline a
scheduled Step-Up, we will not increase the Rider fee at that
time. You will have the option to elect to a Step-Up within 30 days of subsequent Step-Up Dates. If you decide to step-up a guaranteed amount at that time, we will thereafter resume automatic Step-Ups on each succeeding Step-
Up Date. |
Model Allocation Name |
Model Allocation Percentage |
Portfolio Name |
Core Plus Balanced Growth & Income
5.10
(currently available version,
effective May 3, 2010) |
20% 9% 17% 3% 6% 13% 3% 9% 20% |
500 Index
American Growth-Income
Select Bond
American Growth
American International
Investment Quality Bond
Mid Cap Growth
Global Equity
Total Bond Market |
Core Plus Balanced Toward Growth
5.10
(currently available version,
effective May 3, 2010) |
26% 9% 14% 9% 6% 7% 3% 12% 14% |
500 Index American Growth-Income Select Bond American Growth American International Investment Quality Bond Mid Cap Growth Global Equity Total Bond Market |
The Ten Year Credit does not provide any value to you in addition to the cumulative amount of the Annual Credits. You
should only have purchased the Rider based on the value of the other features
it provides. |
Note: withdrawals may be taxable and if made prior to age 59½ may be subject to a 10% penalty tax (see “IX. Federal Tax
Matters”). |
We may reset the Benefit Base and Lifetime Income Amount values if you take Excess Withdrawals. |
We base our Life Expectancy Distribution calculations on our understanding and interpretation of the requirements under
tax law applicable to Pre-59½ Distributions, Required Minimum
Distributions, Nonqualified Death Benefit Stretch Distributions
and Qualified Death Benefit Stretch Distributions. Please discuss these matters with a qualified tax professional. |
If the Deceased
Owner is: |
Then
INCOME PLUS FOR LIFE® 5.10:
| ||
1. |
Not the Covered Person and
the Beneficiary is the
deceased Owner’s Spouse |
- |
may continue if the Beneficiary elects to continue the Contract. We
automatically increase the Benefit Base to equal the initial death benefit
we determine, if the death benefit is greater than the
Benefit Base prior to our determination. We also recalculate
the Lifetime Income Amount to equal 5% of the recalculated
Benefit Base and assess the Rider Fee based on the recalculated Benefit Base. |
- |
enters its Settlement Phase if a subsequent withdrawal depletes the Contract
Value to zero, and the remaining Lifetime Income Amount for the year of
withdrawal is still greater than zero. | ||
- |
continues to be eligible for any remaining Credits and Step-Ups, and a
Target Amount adjustment, but we change the date we
determine and apply these benefits to future anniversaries
of the date we determine the initial death benefit. We will
permit the Spouse to opt out of an increase in the Benefit Base (reflecting the initial death benefit or any future Step-Ups) if at the time of the
increase we also increase the rate of the IPFL 5.10 fee.
| ||
2. |
Not the Covered Person and
the Beneficiary is not the
deceased Owner’s Spouse |
- |
may continue in the same manner as 1. |
- |
enters its Settlement Phase if a subsequent withdrawal would deplete the
Contract Value to zero, and the remaining Lifetime Income Amount for the
year of withdrawal is still greater than zero.
| ||
- |
does not continue to be eligible for any Credits and
Step-Ups, or a Target Amount adjustment. We permit the
Beneficiary to opt out of an increase in the Benefit Base
(reflecting the initial death benefit) if at the time of the increase we also increase the rate of the IPFL 5.10 fee. | ||
3. |
The Covered Person and the
Beneficiary is the deceased
Owner’s Spouse |
- |
ends without any further benefit. |
4. |
The Covered Person and the
Beneficiary is not the
deceased Owner’s Spouse |
- |
ends without any further benefit. |
Model Allocation Name |
Model Allocation Percentage |
Portfolio Name |
Core Plus Balanced Growth & Income
7.09
(closed version –
available July 27, 2009 to May 2, 2010) |
20% 9% 15% 3% 15% 6% 3% 9% 20% |
500 Index
American Growth-Income
Select Bond
American Growth
High Yield
American International
Mid Cap Growth
Global Equity
Total Bond Market |
Core Plus Balanced Toward Growth
7.09
(closed version –
available July 27, 2009 to May 2, 2010) |
26% 9% 9% 9% 12% 6% 3% 12% 14% |
500 Index
American Growth-Income
Select Bond
American Growth
High Yield
American International
Mid Cap Growth
Global Equity
Total Bond Market |
Core Plus Balanced Growth & Income
(closed version –
available May 1 to July 26, 2009) |
24% 15% 3% 3% 6% 9% 21% 16% 3% |
500 Index
Select Bond
American Global Growth
American Growth
American Growth-Income
Investment Quality Bond
Global Equity
Total Bond Market
Mid Cap Index |
Core Plus Balanced to Growth
(closed version –
available May 1 to July 26, 2009) |
30% 9% 3% 6% 15% 6% 18% 10% 3% |
500 Index Select Bond American Global Growth American Growth American Growth-Income Investment Quality Bond Global Equity Total Bond Market Mid Cap Index |
A Model Allocation may experience volatility in its investment performance or lose money, depending on the
performance of the component Portfolios referenced above.
Your investment in the Portfolios will fluctuate and when redeemed, may be worth more or less than your original investment. For more information regarding each Portfolio
that we permit you to invest in through a Model Allocation,
including information relating to that Portfolio’s investment objectives, policies and restrictions, and the risks of investing in that Portfolio, please see “VI. General
Information about Us, the Separate Accounts and the
Portfolios” as well as the Portfolio’s prospectus. You can obtain a prospectus containing more complete information on each of the Portfolios, by contacting the respective Annuities
Service Center shown on the first page of this Prospectus.
Please read the Portfolio’s prospectus carefully before investing in the corresponding Investment
Option. |
The Ten Year Credit can provide higher lifetime income than you would otherwise receive under this Rider, as long as you
wait until the end of the Target Date to take your first
withdrawal. |
Model Allocation Name |
Model Allocation Percentage |
Portfolio Name |
Core Plus Balanced Growth and
Income 5.09
(closed version - available May 4 to July
26, 2009)1 |
3% 3% 3% 12% 15% 15% 9% 24% 16% |
American Global Growth
American Growth
Mid Cap Index
Global Equity
American Growth-Income
Select Bond
Investment Quality Bond
500 Index
Total Bond Market |
Core Plus Balanced Toward Growth
5.09
(closed version - available May 4 to July
26, 2009)1 |
3% 6% 3% 18% 15% 9% 6% 30% 10% |
American Global Growth
American Growth
Mid Cap Index
Global Equity
American Growth-Income
Select Bond
Investment Quality Bond
500 Index
Total Bond Market |
Balanced: Growth & Income 9.08
(closed version - available September 2,
2008 to May 1, 2009)1 |
5% 5% 5% 20% 25% 25% 15% |
American Global Growth
American Growth
Mid Cap Index
Global Equity
American Growth-Income
Select Bond
Investment Quality Bond |
Balanced Toward Growth 9.08
(closed version - available September 2,
2008 to May 1, 2009)1 |
5% 10% 5% 30% 25% 15% 10% |
American Global Growth
American Growth
Mid Cap Index
Global Equity
American Growth-Income
Select Bond
Investment Quality Bond |
Growth Focus 9.08
(closed version - available September 2,
2008 to May 1, 2009)1 |
5% 5% 15% 5% 30% 30% 10% |
American Global Growth
Mid Cap Growth
American Growth
Mid Cap Index
Global Equity
American Growth-Income
Select Bond |
Balanced: Growth & Income 2.08
(closed version - available February 11,
2008 to August 29, 2008)1 |
5% 5% 5% 20% 25% 25% 15% |
American Global Growth
American Growth
Mid Value
Global Equity
American Growth-Income
Select Bond
Investment Quality Bond |
Balanced Toward Growth 2.08
(closed version - available February 11,
2008 to August 29, 2008)1 |
5% 10% 5% 30% 25% 15% 10% |
American Global Growth American Growth Mid Value Global Equity American Growth-Income Select Bond Investment Quality Bond |
Model Allocation Name |
Model Allocation Percentage |
Portfolio Name |
Growth Focus 2.08
(closed version, available February 11,
2008
to August 29, 2008)1 |
5% 5% 15% 5% 30% 30% 10% |
American Global Growth Mid Cap Growth American Growth Mid Value Global Equity American Growth-Income Select Bond |
JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) |
JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK | ||
John Hancock Annuities Service Center |
John Hancock Annuities Service Center | ||
Mailing Address |
Overnight Mail Address |
Mailing Address |
Overnight Mail Address |
PO Box 55444 Boston, MA
02205-5444 www.johnhancock.com/annuities |
372 University Ave – Suite 55444 Westwood, MA 02090
1-800-344-1029 |
PO Box 55445
Boston, MA 02205-5445
www.johnhancock.com/annuities |
372 University Ave – Suite 55445 Westwood, MA 02090
1-800-344-1029 |
Name of Policy (and SEC EDGAR Identifier #) |
Venture Opportunity A Share (C000056589) |
John Hancock Annuities Service Center | |
Overnight Mail Address |
Mailing Address |
372 University Ave, STE 55444
Westwood, MA 02090 1-800-344-1029 |
PO Box 55444 Boston, MA
02205-5444 www.johnhancock.com/annuities |
Name and Principal Business Address |
Position with Depositor |
Brooks Tingle 200 Berkeley Street Boston, MA 02116 |
Chair, Director, President & Chief Executive Officer |
Nora Newton Crouch 804 Pepper Avenue Richmond, VA 23226 |
Director |
Thomas Edward Hampton
1900 K Street NW
Washington, DC 20006 |
Director |
J. Stephanie Nam 1 West 72nd Street, Apt. 35 New York NY 10023 |
Director |
Ken Ross 200 Berkeley St. Boston, MA 02116 |
Director, Vice President |
Shamus Weiland 200 Bloor Street E. Toronto, ON M4W 1E5 |
Director |
Henry H. Wong 200 Berkeley Street Boston, MA 02116 |
Director, Vice President |
Executive Vice Presidents |
|
Andrew G. Arnott** |
Global Head of Retail, GWAM |
Christopher Paul Conkey** |
Global Head of Public Markets |
Scott S. Hartz** |
Chief Investment Officer – U.S. Investments |
Senior Vice Presidents |
|
John Addeo** |
Global Fixed Income Chief Investment Officer |
John C.S. Anderson** |
Global Head of Corporate Finance |
Kevin J. Cloherty** |
Deputy General Counsel, Global Markets |
Mike Dallas** |
Global Head of Employee Experience |
Aimee DeCamillo* |
Global Head of Retirement |
Peter DeFrancesco* |
Head of Digital – Direct to Consumer |
Michael F Dommermuth*** |
Head of Wealth & Asset Management |
Kristie Feinberg* |
Head of MIM US and Europe |
Maryscott Greenwood** |
Global Head of Regulatory & Public Affairs |
Len van Greuning* |
Chief Information Officer MIM |
Anne Hammer* |
Global Chief Communications Officer |
John B Maynard** |
Deputy General Counsel, Legacy, Reinsurance & Tax |
Steven E. Medina** |
Global Equity Chief Investment Officer |
Joelle Metzman** |
GWAM Chief Risk Officer |
Sinead O’Connor* |
Head of Actuarial Policy |
Wayne Park* |
Head of US Retirement |
Gerald Peterson** |
Global Head of Operations, GWAM |
Nicole Rafferty*** |
Global Head of Contact Centers |
Susan Roberts* |
Head of LTC Customer Care Transformation |
Ian Roke** |
Global Head of Asset & Liability Management |
Thomas Samoluk** |
US General Counsel and US Government Relations |
Anthony Teta* |
US Head of Inforce Management |
Nathan Thooft** |
Global MAST Chief Investment Officer |
Anne Valentine-Andrews*** |
Global Head of Private Markets |
Blake Witherington** |
US Chief Credit Officer |
Name and Principal Business Address |
Position with Depositor |
Vice Presidents |
|
Lynda Abend* |
|
Mark Akerson* |
|
Kenneth D’Amato** |
|
Jay Aronowitz** |
|
Kevin Askew** |
|
William Auger* |
|
Jack Barry* |
|
P.J. Beltramini* |
|
Zahir Bhanji*** |
|
Jon Bourgault** |
|
Paul Boyne** |
|
Ian B. Brodie** |
|
Ted Bruntrager* |
CCO & Chief Risk Officer |
Grant Buchanan*** |
|
Ginger Burns** |
|
Brendan Campbell* |
|
Yan Rong Cao* |
|
Rick A. Carlson** |
|
Patricia Rosch Carrington** |
|
Alex Catterick**** |
|
Ken K. Cha* |
|
Diana Chan*** |
Head of Treasury Operations |
Christopher M. Chapman** |
|
Sheila Chernicki* |
|
Teresa H. Chuang** |
|
Eileen Cloherty* |
|
Maggie Coleman*** |
|
Catherine Z. Collins** |
|
Meredith Comtois* |
|
Thomas D. Crohan** |
|
Susan Curry** |
|
Kenneth Dai*** |
Treasury |
Michelle M. Dauphinais* |
|
Frederick D Deminico** |
|
Susan P Dikramanjian** |
|
William D Droege** |
|
Jeffrey Duckworth** |
|
Marc Feliciano** |
|
Katie M. Firth** |
|
Carolyn Flanagan** |
|
Lauren Marx Fleming** |
|
Philip J. Fontana** |
|
Laura Foster*** |
|
Matthew Gabriel* |
|
Paul Gallagher** |
|
Melissa Gamble** |
|
Scott B. Garfield** |
|
Marco Giacomelli*** |
|
Jeffrey N. Given** |
|
Thomas C. Goggins** |
|
Dara Gough* |
|
Howard C. Greene** |
|
Erik Gustafson** |
|
Neal Halder* |
|
Jeffrey Hammer*** |
|
Lindsay L. Hanson* |
|
Richard Harris*** |
Appointed Actuary |
Name and Principal Business Address |
Position with Depositor |
Jessica Harrison*** |
|
John Hatch* |
Chief Operations Officer – US Segment |
Justin Helferich*** |
|
Michael Hession* |
|
Philip Huvos* |
|
Sesh Iyengar** |
|
Tasneem Kanji** |
|
Geoffrey Grant Kelley** |
|
Recep C. Kendircioglu** |
|
Neal P. Kerins* |
|
Michael P King*** |
|
Heidi Knapp** |
|
Hung Ko*** |
|
Robert Krempus*** |
|
Diane R. Landers** |
|
Michael Landolfi** |
|
Tracy Lannigan** |
Corporate Secretary |
Jessica Lee*** |
|
Scott Lively** |
|
David Loh*** |
|
Jeffrey H. Long** |
|
Jennifer Lundmark* |
|
Edward P. Macdonald** |
|
Patrick MacDonnell** |
|
Shawn McCarthy** |
|
Andrew J. McFetridge** |
|
Jonathan McGee** |
|
Katie L. McKay** |
|
Eric S. Menzer** |
|
Stella Mink*** |
|
Michelle Morey* |
|
Scott Morin* |
|
Catherine Murphy* |
Deputy Appointed Actuary |
Richard Myrus** |
|
Lisa Natalicchio* |
|
Jeffrey H. Nataupsky** |
|
Scott Navin** |
|
Jeffrey Packard** |
|
Pragya Pandit* |
|
Onay Payne*** |
|
Gary M. Pelletier** |
|
David Pemstein** |
|
Jessica Portelance*** |
|
Jason M. Pratt** |
|
Ed Rapp** |
|
Todd Renneker** |
|
Chet Ritchie* |
|
Charles A. Rizzo** |
|
Emily Roland** |
|
Josephine M. Rollka* |
|
Barbara H. Rosen-Campbell** |
|
Caryn Rothman** |
|
Devon Russell* |
|
Paul Sanabria** |
|
Emory W. Sanders* |
|
Jeffrey R. Santerre** |
|
Marcia Schow** |
|
Christopher L. Sechler** |
|
Name and Principal Business Address |
Position with Depositor |
Garima Vijay Sharma*** |
|
Estelle Shaw-Latimer*** |
|
Thomas Shea** |
|
Lisa Shepard** |
|
Alex Silva* |
Chief Financial Officer - US Insurance |
Susan Simi** |
|
Darren Smith** |
|
Jayanthi Srinivasan*** |
|
Brittany Straughn* |
|
Katherine Sullivan** |
|
Trevor Swanberg** |
|
Robert E. Sykes, Jr.** |
|
Wilfred Talbot* |
|
Gary Tankersley* |
Head of US Retirement Distribution |
Michelle Taylor-Jones* |
|
Brian E. Torrisi** |
|
Simonetta Vendittelli* |
Chief Financial Officer and Controller |
Gina Goldych Walters** |
|
Adam Weigold** |
|
Jonathan T. White** |
|
Bryan Wilhelm* |
|
Karin Wilsey** |
|
Adam Wise** |
|
Jeffrey Wolfe** |
|
Thomas Zakian** |
|
Michael Zargaj* |
|
Name of Investment Company |
Capacity in Which Acting |
John Hancock Life Insurance Company (U.S.A.) Separate Account H |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account A |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account N |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account I |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account L |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account M |
Principal Underwriter |
John Hancock Life Insurance Company of New York Separate Account A |
Principal Underwriter |
John Hancock Life Insurance Company of New York Separate Account B |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account Q |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account W |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account X |
Principal Underwriter |
John Hancock Variable Life Account UV |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account R |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account T |
Principal Underwriter |
John Hancock Variable Life Account S |
Principal Underwriter |
John Hancock Variable Life Account U |
Principal Underwriter |
John Hancock Variable Life Account V |
Principal Underwriter |
Name |
Title |
Gary Tankersley* |
Director, President and Chief Executive Officer |
Alex Silva* |
Director |
Christopher Walker*** |
Director, Vice President, Investments |
Tracy Lannigan** |
Vice President and Corporate Secretary |
Rick Carlson** |
Vice President, US Taxation |
Jeffrey H. Long** |
Vice President, Chief Financial Officer and Financial Operations Principal |
Edward P. Macdonald** |
Vice President and General Counsel |
John Hancock Life Insurance Company (U.S.A.) Separate Account H (Registrant) | |
By: |
John Hancock Life Insurance Company (U.S.A.) (Depositor) |
By: |
* Brooks Tingle Chair and President |
John Hancock Life Insurance Company (U.S.A.) | |
By: |
* Brooks Tingle Chair and President |
| |
*/s/ Sophia Pattas Sophia Pattas, as Attorney-In-Fact *Pursuant to Power of Attorney |
Signature |
Title |
* Brooks Tingle |
Chair and President (Chief Executive Officer) |
* Simonetta Vendittelli |
Chief Financial Officer, Vice President and Controller (Chief Accounting Officer) |
* Nora Newton Crouch |
Director |
* Thomas Edward Hampton |
Director |
* J. Stephanie Nam |
Director |
* Ken Ross |
Director |
* Shamus Weiland |
Director |
* Henry H. Wong |
Director |
*/s/ Sophia Pattas Sophia Pattas, as Attorney-In-Fact *Pursuant to Power of Attorney |
|