John Hancock Variable Annuity

Planning for retirement? If you've started looking toward this next phase of life, you're already beginning to understand that while retirement is filled with expectations�it's also filled with uncertainties.

You may be asking ...

• Will I have enough money to retire?
• Will I retire at the wrong time?
• Will my money last as long as my retirement?
•  
•  A Venture� Variable Annuity can help answer many of these questions
  A Venture Variable Annuity offers you the ability to:
  
• Help grow retirement assets on a tax-deferred basis through a diversified portfolio of professionally managed funds.
• Access the Income Plus For Life optional benefits, which can be added to the annuity contract for an additional fee and can help create lifetime income.
• Help protect your legacy through a standard death benefit and other optional benefits.We offer two variable annuity options:
  
  • Venture, our traditional variable annuity option 
  • Venture 4, which offers a shorter surrender schedule
  The Income Plus For Life optional benefits are available with either option.
• What is a variable annuity?
  A variable annuity is a contract between you and an insurance company that is intended to create retirement income.
  With an annuity, you agree to pay the insurance company an up-front amount, often referred to as �principal.� The money is then invested in a diversified portfolio of professionally managed investment options. Depending on market performance, this money can grow on a tax-deferred basis, and will ultimately be accessed when you are ready to begin receiving income.
  How can you invest in a variable annuity?There are two types of variable annuities: Qualified and nonqualified.
  
• Qualified annuities are purchased through a retirement plan with pre-tax dollars.
• Nonqualified annuities are purchased with after-tax dollars.

Consult your financial advisor if you are unsure whether a variable annuity makes sense for you.

Free Annuity Overview Booklet offered by Mintco Financial. E-mail us to get yours Free:

anecamara@mintcofinancial.com