JOHN HANCOCK BRINGS GUARANTEED INCOME FOR LIFE TO 401(k) PLANS a powerful combination John Hancock has developed an innovative new feature that combines the importance of the 401(k) with the security of guarantees – creating a powerful combination for you. Guaranteed Income for Life is our AAA solution. Accessible Affordable Applicable Simple and enrollment supported Guaranteed Income for Life feature costs only 35 bps* Built for the 401(k) with portability solutions for participants Guaranteed Income for Life – get this powerful combination working for you today! *Additional cost of the Guaranteed Income for Life Rider. Guaranteed Income for Life is the name of the feature offered through a group annuity contract issued by John Hancock Life Insurance Company (U.S.A.). In New York, group annuity contracts and any separate administrative services or recordkeeping agreement are issued by John Hancock Life Insurance Company of New York. Guarantees of withdrawals provided under the “Guaranteed Income for Life” are supported by John Hancock's general account and are contingent on the claims paying ability of John Hancock. Guarantees are subject to the limitations, terms, and conditions set forth in the Rider. You should consider the objectives, risks, charges, and expenses of the investment options to which the feature applies and the limitations, terms and conditions of the feature as set forth in the Lifetime Income Benefit Rider before selecting this feature. Note: Financial representatives should contact their supervising Broker-Dealer firm to find out if their firm has approved the sale of the Guaranteed Income for Life feature. This contract feature may not be available in all states, please contact your John Hancock representative for more information. © 2008 John Hancock. All rights reserved. Give your clients the power of a guarantee in their 401(k). Visit www.jhgifl.comhttp://www.jhgifl.com http://www.jhgifl.com