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  • John Hancock Annuities Launches Inflation-Adjusted Annuity

    September 7, 2011 by N/A

    BOSTON, Sept. 7, 2011 /PRNewswire via COMTEX/ — John Hancock Annuities has
    launched ‘Inflation Guard,’ an innovative annuity that combines a principal
    guarantee with the ability to help protect the purchasing power of retirement
    assets from the impact of inflation.

    “We are pleased to bring Inflation Guard to the marketplace. This product
    offers client value by combining the benefits of principal protection within a
    traditional fixed annuity, with a potential growth opportunity from rising
    inflation rates. In addition, this new annuity helps to further diversify our
    fixed product offerings,” said Marc Costantini, President, John Hancock
    Annuities.

    The principal guarantee, backed by the claims-paying ability of the contract
    issuer, applies when the contract is held to term. Inflation Guard also provides
    the ability to help protect clients’ purchasing power from the impact of
    inflation. Clients will receive a fixed guaranteed interest rate during the
    first year of the contract. For each subsequent contract year, the interest rate
    a client receives is a floating rate, based on the inflation rate determined by
    the year-over-year change in the Consumer Price Index-Urban (CPI-U), plus a
    guaranteed margin that is determined at issue. The interest rate will never be
    less than zero (the floor), and will be subject to a cap which is also set when
    the contract is issued. Interest rates will be determined by John Hancock on a
    weekly basis.

    “We believe inflation-protected investing is a separate and distinct asset
    class, and have observed the need for this type of product in the marketplace.
    We welcome Inflation Guard to our suite of annuity solutions, as it further
    solidifies our position as an industry leader for retirement solutions that
    focus on flexibility and client value,” said Mike Treske, President, John
    Hancock Annuities Distribution.

    With Inflation Guard, clients can always withdraw the prior year’s interest
    or RMD, whichever is greater, without charge or penalty. There is no up-front
    sales charge or fee. A surrender charge and a market value adjustment (MVA) may
    apply to withdrawals made prior to the end of a term. Additionally, some states
    impose a premium tax. Withdrawals are subject to a 10 percent federal tax
    penalty if made prior to age 59 1/2. To invest safely in a market value adjusted
    annuity, a customer should fully evaluate the financial strength of the issuing
    insurance company and carefully read the annuity product disclosure. Products
    and features may not be permitted in all states.

    To find out more about Inflation Guard, visit www.jhannuities.com .

    About John Hancock Financial and Manulife Financial Corporation

    John Hancock Financial is a unit of Manulife Financial Corporation, a leading
    Canadian-based financial services group serving millions of customers in 21
    countries and territories worldwide. Operating as Manulife Financial in Canada
    and in most of Asia, and primarily as John Hancock in the United States,
    Manulife Financial Corporation 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 $481 billion (US$498 billion) as at
    June 30, 2011. Manulife Financial Corporation trades as ‘MFC’ on the TSX, NYSE
    and PSE, and under ‘945’ on the SEHK. Manulife Financial can be found on the
    Internet at www.manulife.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 life insurance, fixed and variable
    annuities, fixed products, mutual funds, 401(k) plans, long-term care insurance,
    college savings, and other forms of business insurance. Additional information
    about John Hancock may be found at www.johnhancock.com .

    Contact your financial advisor 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 purchasing. The
    prospectuses contain this and other information on the product and the
    underlying portfolios.

    This material was prepared to support the promotion and marketing of fixed
    annuities. John Hancock, its distributors, and their respective representatives
    do not provide tax, accounting, investment, 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, investment, or
    legal statements made herein.

    An annuity is a long-term contract designed for retirement purposes, such as
    asset accumulation and distribution, and is not suitable for meeting short-term
    objectives.

    Inflation Guard Annuity is distributed by John Hancock Distributors LLC,
    member FINRA.

    Policy and Rider Form Series: 10MVA-CPI-1, 10MVA-CPI-2, 10MVA-CPI-3,
    10MVA-CPI-4, 10MVAGRP-CPI, 10MVAGRP-CPI-1, 01NHCIG, 00NHCI, 00NHCI ed. 3/03.

    Originally Posted at MarketWatch on September 7, 2011 by N/A.

    Categories: Industry Articles
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