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This material is authorized for distribution only when preceded or accompanied by the prospectus. The prospectus contains complete details on investment objectives, risks, fees, charges and expenses as well as other information about the investment company. Please read the prospectus carefully containing this and other information on the product and the underlying portfolios and consider these factors carefully before investing.

Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.) (not licensed in New York), John Hancock Variable Life Insurance Company (not licensed in New York), John Hancock Life Insurance Company, Boston, MA 02116 and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Securities are offered through John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC, 197 Clarendon Street, Boston, MA 02116.