This information can be found in your enrollment materials or from your plan administrator.
Enrolling is easy. In four quick steps you can enter in the information required to enroll. We will email you a confirmation for your records.

You should review the enrollment material before starting, including the Investment Comparative Chart (ICC) and any other information provided by your plan. If you want this information and more, including basics of investing, access to Fund Sheets and other enrollment options, visit www.jhgoenroll.com – our interactive experience available on your personal computer.

Our Fund Sheets and other enrollment materials contain important information for each investment option available under the group annuity contract, including details on the underlying mutual funds, investment objectives, level of risk, underlying allocations and charges, as well as other important information about the investment options which should be carefully considered. Please read this information carefully prior to choosing your investment options.

You can choose professionally constructed and mixed portfolios, create your own mix, or a combination of both. Each investment option you can choose from is color-coded to show the level of risk and potential return. Each color represents a different level of risk versus potential return, ranging from conservative (blue) to aggressive (red).

Note: Allocating assets to only one or a small number of the investment options (other than professionally constructed and mixed Portfolios) should not be considered a balanced investment program. In particular, allocating assets to a small number of options concentrated in particular business or market sectors will subject your account to increased risk and volatility. Examples of business or market sectors where this risk may be particularly high include: a) technology-related businesses, including Internet related businesses, b) small cap securities and c) foreign securities. We do not provide advice regarding appropriate investment option allocations. Contact your financial representative for more details. Other than the Guaranteed Interest Accounts, unit values depend on market performance and are NOT guaranteed.

Your plan administrator can help you with any questions you may have about your company’s qualified retirement plan, your eligibility for the plan or naming a beneficiary.
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John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York are collectively referred to as "John Hancock".

This material is for information purposes only. John Hancock does not provide investment, tax, legal advice. It is your responsibility to select and monitor your investment options to meet your retirement objectives. Qualified independent advisors suggest that you might want to review your investment strategy at least annually. You may also want to consult your own independent advisor as to any investment, tax, legal statements made herein.

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name. Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Product features and availability may differ by state. John Hancock Investment Management Services, LLC, a registered investment adviser, provides investment information relating to the contracts. Plan administrative services may be provided by John Hancock Retirement Plan Services LLC or a plan consultant selected by the Plan.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY

© 2013 All rights reserved.
 
Personal Information
 
      
- -
This email address will only be used to provide your confirmation and is not stored.
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John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York are collectively referred to as "John Hancock".

This material is for information purposes only. John Hancock does not provide investment, tax, legal advice. It is your responsibility to select and monitor your investment options to meet your retirement objectives. Qualified independent advisors suggest that you might want to review your investment strategy at least annually. You may also want to consult your own independent advisor as to any investment, tax, legal statements made herein.

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name. Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Product features and availability may differ by state. John Hancock Investment Management Services, LLC, a registered investment adviser, provides investment information relating to the contracts. Plan administrative services may be provided by John Hancock Retirement Plan Services LLC or a plan consultant selected by the Plan.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY

© 2013 All rights reserved.
 
Fill in the four easy questions below to estimate how much to contribute:
 
      
To reach your retirement goal, you'll need to contribute:
$0
*The result currently exceeds your contribution limit.

Calculation Assumptions
To provide an estimate of your monthly plan contribution amount, the calculator must use assumptions to represent some information that is unavailable, such as the rate of return your savings will earn and your retirement age. Below, we’ve listed these assumptions to give you an idea of how your information was calculated.

Retirement Age
The calculator assumes that you plan to retire at the age of 67.

Inflation
Although inflation at a rate of 2.4% annually is included as part of the calculations, all final figures are expressed in today’s dollars. Source: Consumer Price Index – 10 year average.

Contribution growth
It is assumed that in addition to growing with inflation, your contributions will also increase with regular salary growth. Up to the age of 49, your contribution growth is calculated at 2.5% after inflation and after the age of 50, no growth rate above inflation is assumed. Source: Employment Cost Index – 10 year average.

Social Security benefit
It is assumed that you will receive a benefit from Social Security, which will help meet part of the retirement goal you selected. The benefit used is based on the income level for your selected retirement goal, and ranges between $9,816 and $34,764 annually. Source: Social Security Administration, 2014.

Investment growth
For the purposes of this calculator, we’ve assumed a balanced investment option and a rate of return based on years to retirement. After retirement age, investment growth is projected at an annuity rate of 3.3% annually. This assumption is not based on the past performance of your investment options or any options available through John Hancock, and may not reflect the current risk strategy of your existing portfolio or any future performance. Past performance is no guarantee of future results.

Mortality rate
The amount calculated for your lump sum is expected to support you at the retirement goal you selected from the time you retire until the age of 84. Source: Centers for Disease Control and Prevention, 2012.

Monthly Savings
Contribution amounts may include employee and employer contributions made to your company’s qualified retirement plan, and deposits to other qualified and nonqualified accounts.

Contributions to qualified accounts may not exceed plan or regulatory limits. The principal value of your contributions and any investment growth are not guaranteed and their market value may fluctuate, and when redeemed may be worth more or less than the original investment.

This calculator is intended as an educational tool only. The illustrations provided in this calculator are hypothetical and there are no guarantees that the results shown will be achieved or maintained over any time period. It assumes no withdrawals and does not take into account fees associated with investment.

John Hancock will not be liable for any damages arising from the use or misuse of this calculator or from any errors or omission in the same.

Income tax rules on how withdrawals are handled may vary from state to state. Also, special tax rules apply in the state of Massachusetts and in Puerto Rico for participants who are partners or sole proprietors. If these rules apply to you, the tax rates used in the calculator may not necessarily apply to you. Please consult your tax advisor for your individual situation.

Any calculation does not take into account the costs or fees associated with (1) transferring assets between the accounts, (2) the differences in the rate of return on investments within the account, (3) investing in the plan (i.e. annual account fees), or (4) the effect of federal and/or state taxes on withdrawals.

Calculations are estimates and may not provide accurate projections. Your actual circumstances, including current income, retirement age, retirement needs or rate of return, may vary. Withdrawals of taxable amounts will be subject to ordinary income tax and, if taken prior to age 591⁄2, a 10% IRS tax penalty may apply. This is not intended as investment or legal advice.

En Español | Contact Us

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

This material is for information purposes only. John Hancock does not provide investment, tax, legal advice. It is your responsibility to select and monitor your investment options to meet your retirement objectives. Qualified independent advisors suggest that you might want to review your investment strategy at least annually. You may also want to consult your own independent advisor as to any investment, tax, legal statements made herein.

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name. Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Product features and availability may differ by state. John Hancock Investment Management Services, LLC, a registered investment adviser, provides investment information relating to the contracts. Plan administrative services may be provided by John Hancock Retirement Plan Services LLC or a plan consultant selected by the Plan.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY

© 2013 All rights reserved.
 
Set Your Contribution
 
      
Pre-Tax
Other %
Other $
Take advantage of automatic annual increases
Yes - Sign me up to have my before-tax contributions automatically increased by $% every until my contribution has reached a maximum of $%.
More information
Subject to the plan's contribution and IRS limits.

Contributions, including salary deferral contributions, salary deferral treated as catch-up contributions, and any plan transfers from either your current employer or a previous qualified plan (as acceptable by your current plan), will be invested in the same manner unless otherwise directed by either you on our website or your company. Exceptions may include: 1) Employer contributions (if applicable) directed by your employer and/or, 2) Rollover contributions as directed by you via a Roll-in form.
En Español | Contact Us

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

This material is for information purposes only. John Hancock does not provide investment, tax, legal advice. It is your responsibility to select and monitor your investment options to meet your retirement objectives. Qualified independent advisors suggest that you might want to review your investment strategy at least annually. You may also want to consult your own independent advisor as to any investment, tax, legal statements made herein.

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name. Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Product features and availability may differ by state. John Hancock Investment Management Services, LLC, a registered investment adviser, provides investment information relating to the contracts. Plan administrative services may be provided by John Hancock Retirement Plan Services LLC or a plan consultant selected by the Plan.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY

© 2013 All rights reserved.
 
Choose your investment options Select either EZChoice (A) or Your Choice (B).
 
      
A. EZChoice:
Choose one of the following to invest 100% of your contributions to one professionally managed and diversified asset allocation portfolio:
Lifecycle Portfolio
Lifestyle Portfolio
Enter a percentage for each investment option into which your contributions will be placed

Below is a listing of the investment options available under your company’s qualified retirement plan. They are arranged in risk tolerance order from asset allocation options, lowest risk to highest risk.

First, research and review your investment options from all of the Funds available. We suggest you access our Fund sheets available at www.jhgoenroll.com for other details on each fund including the underlying mutual funds, investment objectives, level of risk, underlying allocations and charges, as well as other important information. Once you have determine which investment options you want to invest in and how much in each option you want to allocate, place the amount you want to allocate beside each investment option. Each investment option you select will highlight. Your allocations must add up to 100%.

www.jhgoenroll.com can also provide information on our Guaranteed Income for Life feature, if applicable.

Investment must total 100%
Selected Funds Total: 0%
En Español | Contact Us

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

This material is for information purposes only. John Hancock does not provide investment, tax, legal advice. It is your responsibility to select and monitor your investment options to meet your retirement objectives. Qualified independent advisors suggest that you might want to review your investment strategy at least annually. You may also want to consult your own independent advisor as to any investment, tax, legal statements made herein.

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name. Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Product features and availability may differ by state. John Hancock Investment Management Services, LLC, a registered investment adviser, provides investment information relating to the contracts. Plan administrative services may be provided by John Hancock Retirement Plan Services LLC or a plan consultant selected by the Plan.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY

© 2013 All rights reserved.
 
 
      
Consolidate my accounts
I would like help in consolidating my retirement accounts.
Contact me at
- - ext

The best time to contact me is
EST
I do not have outside retirement accounts to consolidate at this time, but I understand that I will have the option to consolidate in the future.*
Personalized retirement action plan
Yes I would like to set my personalized retirement action plan.
Gender
Male Female
Annual Income
$
Profile
Outside assets?
To better refine your retirement plan, you can enter any outside assets you have on the participant website.

*Rollovers are subject to the provisions of your company's plan.

En Español | Contact Us

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

This material is for information purposes only. John Hancock does not provide investment, tax, legal advice. It is your responsibility to select and monitor your investment options to meet your retirement objectives. Qualified independent advisors suggest that you might want to review your investment strategy at least annually. You may also want to consult your own independent advisor as to any investment, tax, legal statements made herein.

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name. Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Product features and availability may differ by state. John Hancock Investment Management Services, LLC, a registered investment adviser, provides investment information relating to the contracts. Plan administrative services may be provided by John Hancock Retirement Plan Services LLC or a plan consultant selected by the Plan.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY

© 2013 All rights reserved.
 
Review
 
      
Personal Information
Contributions
Investment Options
Account Consolidation
I would like help in consolidating my retirement accounts.*
Contact me at
() - and ** to discuss my options.
The best time to contact me is

*Available for plans utilizing John Hancock's Consolidation Services; rollovers are subject to the provisions of your company's plan.
**Email addresses will only be used for Consolidation Services.
I do not have outside retirement accounts to consolidate at this time, but I understand that I will have the option to consolidate in the future.
Personalized Retirement Action Plan
Yes I would like to set my personalized retirment action plan.

Gender
Annual Income
Profile
Outside Assets?
I acknowledge that this plan offers investment options through my company's group annuity contract with John Hancock and that I have read and understand the required information including details on annual contribution increase, EZChoice, Your Choice and the terms, conditions, restrictions, fees and risk that relate to them and other parts of the instructions. If I have selected a Lifecycle Portfolio in the EZChoice section, I understand that my portfolio will be based on my provided age and with a target retirement date that is closest to the year that I attain age 67.
En Español | Contact Us

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

This material is for information purposes only. John Hancock does not provide investment, tax, legal advice. It is your responsibility to select and monitor your investment options to meet your retirement objectives. Qualified independent advisors suggest that you might want to review your investment strategy at least annually. You may also want to consult your own independent advisor as to any investment, tax, legal statements made herein.

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name. Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Product features and availability may differ by state. John Hancock Investment Management Services, LLC, a registered investment adviser, provides investment information relating to the contracts. Plan administrative services may be provided by John Hancock Retirement Plan Services LLC or a plan consultant selected by the Plan.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY

© 2013 All rights reserved.
Congratulations!
 
      
Your enrollment information was successfully received by John Hancock at on .

John Hancock will notify your plan administrator of your enrollment. We have emailed you a confirmation for your records.

You should receive your Personal Identification Number (PIN) in the next seven business days, which will provide you secure, online access to your account, as well as via our toll free automated phone service.

Congratulations on taking this important step!

We have sent you an Email with the enrollment forms to the Email address you provided. Please PRINT, COMPLETE the SSN and the birth date fields, SIGN and SUBMIT your form to your plan administrator to complete your enrollment.

Seven business days after the Plan Trustee processes your enrollment, you will receive your Personal Identification Number (PIN) which will provide secure online access to your account, as well as via our toll free automated phone service.

Congratulations on taking this important step!
Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name. Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Product features and availability may differ by state.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY

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

This material is for information purposes only. John Hancock does not provide investment, tax, legal advice. It is your responsibility to select and monitor your investment options to meet your retirement objectives. Qualified independent advisors suggest that you might want to review your investment strategy at least annually. You may also want to consult your own independent advisor as to any investment, tax, legal statements made herein.

Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business under certain instances using the John Hancock Retirement Plan Services name. Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Product features and availability may differ by state. John Hancock Investment Management Services, LLC, a registered investment adviser, provides investment information relating to the contracts. Plan administrative services may be provided by John Hancock Retirement Plan Services LLC or a plan consultant selected by the Plan.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY

© 2013 All rights reserved.

En Español | Contact Us

© 2013 All rights reserved.