Important Notices and Policies

Revised HIPAA Privacy Notice — Omnibus Final Rule

John Hancock Product Commission Schedules (Fixed Products)

John Hancock Product Commission Schedules (Variable Products)

Brokerage Compensation Guidelines

Annual Compliance Notification to Producers for Advertising & Sales Materials
The attached document was created to meet the NAIC Life and Annuity Model Regulation requirements for insurance companies to annually remind producers that any sales material they create must receive compliance approval before it is used with the public.

John Hancock's Anti-Money Laundering Program for Insurance Products

According to the U.S. Treasury Department and its Financial Crimes Enforcement Network (FinCEN), insurance companies are required to integrate agents and brokers (producers) into their Anti-Money Laundering Programs (AML) to comply with the requirements of the USA PATRIOT Act. More information on these rules can be found at http://www.fincen.gov/. This guide is designed to provide an overview of the AML requirements and responsibilities to the appointed producers of the following John Hancock insurance companies:

• John Hancock Life Insurance Company (U.S.A.)

• John Hancock Life Insurance Company of New York

• Manulife Insurance Company

Requirements for John Hancock's Anti-Money Laundering (AML) Training

Notice To Brokers Regarding Disposal of Records
John Hancock’s policy on disposal of documents containing personally identifiable information regarding clients, former clients, or prospective clients.

Privacy Code (John Hancock Life Insurance Company (U.S.A.)
Privacy Code(John Hancock Life Insurance Company of New York)

Agent's Code of Conduct (John Hancock Life Insurance Company (U.S.A.)
Agent's Code of Conduct (John Hancock Life Insurance Company of New York)