John Hancock is committed to making plan administration easier. In keeping with that commitment, the Learning Center
provides you with a series of tutorials and guides to help you effectively administer your plan.

John Hancock Life Insurance Company (U.S.A.)(John Hancock USA) and John Hancock Life Insurance Company of New York (John Hancock New York) are collectively referred to as "John Hancock".

Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.)(“John Hancock USA”), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York (“John Hancock NY”), Valhalla, NY. Product features and availability may differ by state. John Hancock USA and John Hancock NY each make available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. Unless otherwise specifically stated in writing, John Hancock USA and John Hancock NY do not, and are not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED

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PS27684-GE 08/15-27684