Money Market

Contact your financial adviser or visit www.jhannuities.com 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 investing. The prospectuses contain this and other information on the product and the underlying portfolios.

Amounts in the Money Market Trust are not insured or guaranteed by the Federal Deposit Insurance Corporation, U.S. government, or any U.S. government agency. While not guaranteed, the Trust intends to maintain, to the extent practicable, a constant per share NAV of $1.00. The returns of a Money Market subaccount in your annuity contract may become extremely low or possibly negative whenever the net income earned, if any, by the underlying Money Market Trust is not sufficient to offset the contract's expense deductions.

Registered 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, Registered Annuities are issued and administered by John Hancock Life Insurance Company of New York, Valhalla, NY. Registered Annuities are distributed by John Hancock Distributors LLC, member FINRA.