Producer qualification is $650,000 target premium from the sale of individual and survivorship non-variable life insurance products during the 2009 production year. Open to independent producers only.

Attendance at the 2010 John Hancock Brokerage Incentive Conference is by invitation only. To receive this non-cash award, qualifiers must meet the production requirements, hold a current contract and be in good standing with the company at the time of the incentive. Invitations are non-transferable. Substitutions are not permitted. There is no cash in lieu of attendance.

For agent use only. This material may not be used with the public.

Insurance policies and/or associated riders and features may not be available in all states.Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.

MLINY09230911580