John Hancock's credentials include our demonstrated financial strength. John Hancock is among the highest-rated companies for financial strength and stability, as judged by the major rating agencies.

AAA (1st Category of 8)
Extremely strong financial security characteristics.

Aa1 (2nd Category of 9)
Excellent in financial strength.

For information on the ratings for John Hancock Life Insurance Company and John Hancock Variable Life Insurance Company please click here.

*Insurance ratings, which are current as of June 1, 2008 and subject to change, apply to John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York as a measure of the company's ability to honor the death benefit and life annuitization guarantees, but not specifically to its products, the performance of these products, the value of any investment in these products upon withdrawal or to individual securities held in any portfolio. Insurance ratings do not apply to the safety and performance of separate accounts. Moody's ratings does not apply to John Hancock Life Insurance Company of New York.