Annuities
Annuities can help you address the unique challenges of retirement in the 21st century.
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Evaluate your goals and choose the investment strategy that's right for you.
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What Are Annuities?
An annuity is a financial product issued by an insurance company. It allows tax-deferred growth of assets. At retirement, an annuity can help to provide a guaranteed income stream for one or more people, in specified amounts, for a specified period or for life.
Why Choose A John Hancock Annuity?
John Hancock Annuities—retirement solutions from a name synonymous with bold vision, trust and strength.
- Premier investment management
- Innovative lifetime income options
- John Hancock is among the highest rated companies for financial strength and stability as judged by the major rating agencies.
Inside Annuities
Variable Annuities
A variable annuity is a long-term contract between you and an insurance company that combines investment and protection features into one retirement vehicle. A variable annuity can help you:
- Grow retirement assets through a diversified portfolio of professional managed investment options
- Create a predictable, sustainable stream of retirement withdrawals
- Protect your retirement assets through a death benefit and other optional benefits
- Grow retirement assets on a tax deferred basis
Fixed Annuities
Designed to help you accumulate tax-deferred retirement assets and provide retirement income, John Hancock Fixed Annuities offer guaranteed fixed interest rates, tax-deferred earnings, and a reliable income for life. A John Hancock Fixed Annuity also offers:
- A guaranteed retirement income for life, without giving up control
- Valuable access to referral services and programs to help cope with many health care situations
- Easy access to your money
- John Hancock is among the highest rated companies for financial strength and stability as judged by the major rating agencies.
Optional Benefits
"Your number" is your annual income need in retirement, after taking into account any pensions and Social Security. Optional benefits available with your variable annuity for additional fees, such as Guaranteed Minimum Withdrawal Benefits (GMWBs), can help you bridge any income gaps and reach "your number" through:
- Providing regular, guaranteed income for life
- Allowing you to retain control over the assets you invest in your annuity
- Up market participation, down market protection
- Limitations and restrictions apply, please see the prospectus for full details. The guarantees are backed by the claims paying ability of the issuer
Lifestyle Portfolios
Strategically diversifying a portfolio with a wide variety of asset classes, investment styles, and portfolio managers can help reduce volatility and increase return potential.
John Hancock Lifestyle Portfolios provide access to a sophisticated asset allocation and diversification process managed by experienced professionals. Lifestyle Portfolios offer a blend of risk and reward to match your personal lifestyle and financial goals.
Frequently Requested Forms
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Trade Authorization (PDF) -
Withdrawal Request (PDF)
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Visit The Website
Detailed product information, forms, client accounts, education and guidance, plus much more.
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.
This information was prepared to support the promotion and marketing of Venture Annuities. Neither John Hancock Life Insurance Company (U.S.A.), John Hancock Life Insurance Company of New York, John Hancock Distributors LLC, nor any of their representatives provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state, or local tax penalties. Please consult your own independent adviser as to any tax, accounting, or legal statements made herein.
Venture 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, Venture Annuities are issued and administered by John Hancock Life Insurance Company of New York, Valhalla, NY. Venture Combination Fixed and Variable Annuities are distributed by John Hancock Distributors LLC, member FINRA.
Products and features may not be available in all states.
All guarantees are subject to the claims paying ability of the issuing insurance company.
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
An annuity is 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.
Withdrawals of taxable amounts are subject to ordinary income tax and if taken prior to age 59 1/2, a 10% IRS tax penalty
may apply.