Portfolio Choices

• JHT Lifestyle Portfolio Choices

• JH Lifestyle Growth
• JH Lifestyle Moderate
• JH Lifestyle Balanced
• JH Lifestyle Conservative

• JHT Alternative Portfolio Choices

• Franklin Templeton - Founding Allocation
• Core Fundamental Holdings
• Core Global Diversification
• John Hancock - Money Market Trust B^*
• Ultra Short Term Bond Fund

*Amounts in the Money Market are not insured or guaranteed by the Federal Deposit Insurance Corporation, or any U.S. Government agency. There is not guarantee that the portfolio can maintain a stable net asset value of $10 per share.

Diversification, asset allocation or rebalancing does not guarantee a profit or protect against a loss. Please note that asset allocation may not be appropriate for everyone, particularly those interested in directing the underlying portfolio options of their annuity contract on their own.

The Lifestyle portfolios in John Hancock Trust described above are not mutual funds available to the retail public and are only available under John Hancock's variable annuity contracts or variable life insurance policies or through participation in certain tax-qualified retirement plans. The asset manager of the Lifestyle portfolios also manages mutual funds available to the retail public with similar names and investment objectives. No representation is made, and no assurance is given, that any Lifestyle portfolio's investment results will be comparable to the investment results of any other fund, including retail mutual funds with the same asset manager. Past performance is no guarantee of future results.

This web site was prepared to support the promotion and marketing of the Guaranteed Income For Life Rollover Variable Annuity. Neither John Hancock Life Insurance Company (U.S.A.), 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 advisor as to any tax, accounting, or legal statements made herein.

Franklin® and Templeton® are registered trademarks of the Franklin Templeton Group. T. Rowe Price, "Invest With Confidence", and the Bighorn Sheep logo are owned by T. Rowe Price Associates, Inc. Deutsche Asset Management is the marketing name in the U.S. for the asset management activities of Deutsche Bank AG, Deutsche Investment Management Americas Inc., Deutsche Asset Management Inc., Deutsche Asset Management Investment Services Ltd., Deutsche Bank Securities Trust Company Americas, Scudder Trust Company, and RREEF. American Funds® and Square Design are registered trademarks of American Funds Distributors, Inc. and The Capital Group Companies, Inc.
The GIFL Rollover Variable Annuity IRA is not available in all states; product features may vary, subject to state regulation. Variable annuities are not FDIC insured, are long-term contracts designed for retirement purposes, and are subject to investment risk, including the possible loss of principal.

For use with policy form numbers VENTURE.200.08, VENTURE.201.08 and VENTURE.202.08.
Withdrawals exceeding the lifetime income amount will reduce the Benefit Base. In addition, withdrawals will be subject to ordinary income tax and, if made prior to age 59 1/2, a 10% IRS penalty tax may apply.

While all variable portfolios are subject to market risk, some portfolios will experience greater volatility than others. Portfolios having the greatest volatility include those investing in one sector or industry, foreign countries, high-yield bonds, real estate securities, and small cap stocks. Before purchasing units in such a portfolio, you should carefully read the applicable risk section in the fund prospectus. Please consult the portfolio's current prospectus for complete information on its investments.

The Company does not provide advice regarding appropriate portfolio allocations; please discuss this matter with your financial advisor.

When considering an annuity for use in an IRA or other tax-qualified retirement plan (i.e., 401(k), 403(b), 457), it is important to note that there is no additional tax-deferral benefit, since these plans are already afforded tax-deferred status. Thus, an annuity should only be purchased in an IRA or qualified plan if some of the other features of the annuity are of value, such as access to specific portfolio choices, the ability to have guaranteed payments for life and other guaranteed benefits, and you are willing to incur any additional costs associated with the annuity to receive such benefits. See the prospectus for details.

Issuer and Administrator
John Hancock Life Insurance Company (U.S.A.), Bloomfield Hills, MI (not licensed in New York)

John Hancock Annuities Service Center
P.O. Box 9505 Portsmouth, NH 03802-9505 800-344-1029