Why John Hancock?

In today’s hectic world, time is one of the most precious resources. Countless issues demand our time every day, and decisions that require some thought — like financial ones — become easy to avoid. However, planning for retirement, ensuring proper insurance coverage, and establishing a sound, goal-oriented investment strategy are three important factors in the pursuit of long-term financial security. In these areas, a stable company with a history of financial expertise can become an important resource for a time-strapped investor. That’s where John Hancock comes in.

For more than 140 years, John Hancock has been helping American families build and protect their assets. John Hancock, the United States division of Manulife Financial, is now one of the most recognized and respected financial services organizations worldwide.

Serving a wide variety of financial goals

• Investors can choose among many products designed to help achieve specific objectives.

  For example, investors looking to pursue potentially higher returns than those offered in traditional banking products may want to explore mutual funds. Run by professional money managers, mutual funds offer instant diversification, which helps to manage risk exposure over time. John Hancock offers funds to suit a variety of investment goals, including growth, income, and tax management. Investors who want to minimize the decision-making even more may select one of our Lifestyle or Lifecycle funds. Lifestyle funds are those that combine several mutual funds to pursue a stated objective based on an investor’s preference for growth and tolerance for risk. Lifecycle funds follow a strategy based on the number of years its investors have to retirement.

  
  
• Families with young children face added financial pressure in the form of college saving. For these people, John Hancock offers the college savings plans, a tax-advantaged solution for helping to meet the rising cost of college.

Retirement saving: a fundamental element

• No matter what an investor’s age, retirement planning should always be a core component of any investor’s overall financial strategy. In this area, John Hancock can help investors make the right decisions based on their own unique needs.

  For example, when changing jobs or retiring, employees must decide what to do with the retirement assets they’ve worked long and hard to build. With Rollover IRAs, John Hancock offers products that can help investors put together a strategy that strives to meet their tax and investment needs, both now and in the future.

  
  
• Retirement investors may also want to consider the potential benefits of an annuity, a product designed to provide a stream of income for life. John Hancock offers both fixed and variable annuity products to suit a variety of risk profiles.

Protection is also Key

• Finally, building assets is just one half of the story — protecting them is the other. John Hancock offers solutions to help meet these financial challenges as well. Life insurance products protect against the unexpected loss of one family member’s income. Long-term care protects against the unexpected costs due to nursing home and home health care charges.
  
• Whenever financial service products are needed, investors may look to John Hancock.

About John Hancock

John Hancock is a unit of Manulife Financial Corporation, a leading Canadian-based financial services group serving millions of customers in 22 countries and territories worldwide. Operating as Manulife Financial in Canada and Asia, and primarily through John Hancock in the United States, the Company offers clients a diverse range of financial protection products and wealth management services through its extensive network of employees, agents and distribution partners. Funds under management by Manulife Financial and its subsidiaries were $407 billion as of September 30, 2009. Manulife Financial Corporation trades as 'MFC' on the TSX, NYSE and PSE, and under '0945' on the SEHK. Manulife Financial can be found on the Internet at www.manulife.com. John Hancock may be found on the Internet at www.johnhancock.com.

The John Hancock unit, through its insurance companies, comprises one of the largest life insurers in the United States. John Hancock offers a broad range of financial products and services, including whole life, term life, variable life, and universal life insurance, as well as college savings products, fixed and variable annuities, long-term care insurance, mutual funds and various forms of business insurance.

A fund’s investment objectives, risk, charges and expenses should be considered carefully before investing. The prospectus includes this and other important information about the fund. To obtain a prospectus, call your financial professional, John Hancock Funds at 1-800-255-5291 or visit our web site at www.jhfunds.com. Please read the prospectus carefully before investing or sending money.

This material does not constitute tax, legal or accounting advice and neither John Hancock nor any of its agents, employees or registered representatives are in the business of offering such advice. It was not intended or written for use and cannot be used by any taxpayer for the purpose of avoiding any IRS penalty. It was written to support the marketing of the transactions or topics it addresses. Anyone interested in these transactions or topics should seek advice based on his or her particular circumstances from independent professional advisors.