Fixed Products
An assortment of structured products for the qualified and non-qualified markets.
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What Are Fixed Products?
Fixed Products include Structured Settlements, Structured Attorney Fees, Single Premium Group Annuities, and Terminal Funding Annuities.
Why Fixed Products?
- We manage over $36.8 billion in assets (as of March 2008) on behalf of our clients and hold dominant share positions in many of the markets in which we compete.
- We include products which can meet all of your corporate and personal needs.
- We work closely with clients to develop customized structured products.
Inside JH Fixed Products
Structured Settlements
A tax-free fixed annuity available for the benefit of individuals, and their families, involved in personal physical injury disputes and workers compensation claims.
Structured Attorney Fees
John Hancock offers the convenience of structuring the Plaintiff Attorney's fees for physical injury and worker's compensation cases.
Fees can be structured as part of a Claimant's structure or as a stand alone payment stream.
Single Premium Group Annuities
Through the purchase of a Single Premium Group Annuity (SPGA), plan sponsors can fund all (plan termination), or a portion (carve-outs) of their pension liability.
Our SPGA permits plan sponsors to transfer the pension liability, including future administration, to John Hancock Life Insurance Company. We can underwrite qualified and non-qualified defined benefit plans that cover active, terminated, and retired participants.
Terminal Funding Annuity
A Terminal Funding Annuity (TF) allows employers to purchase annuities for participants on an as-needed basis immediately or in the future. The TF is designed to utilize institutional pricing to meet the liability associated with participants commencing benefits. The John Hancock TF addresses the benefit purchase needs of both defined benefit and defined contribution plans for qualified and non-qualified employee benefit programs.
Frequently Requested Forms
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Change of Address (PDF) -
Change of Beneficiary (PDF) -
Direct Deposit Form (PDF)
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Detailed product information, forms, client accounts, education and guidance, plus much more.
Annuities other than Structured Settlements are a long term contract designed for retirement purposes such as asset accumulation, distribution and transference, and may not be suitable for meeting short-term objectives.
John Hancock Assignment Company is the assignee obligated to make the payments to you backed by an insurance policy issued by John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York. John Hancock Assignment Company Bloomfield Hills, MI 48304 (not licensed in New York).
John Hancock Fixed Annuities are issued and administered by John Hancock Life Insurance Company (U.S.A.), Bloomfield Hills, MI 48304 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.
John Hancock Assignment Company is the assignee obligated to make the payments to you backed by an insurance policy issued by John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York. John Hancock Assignment Company Bloomfield Hills, MI 48304 (not licensed in New York).
John Hancock Fixed Annuities are issued and administered by John Hancock Life Insurance Company (U.S.A.), Bloomfield Hills, MI 48304 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.