John Hancock Variable Annuity

Planning for retirement? If you've started looking toward this next phase of life, you're already beginning to understand that while retirement is filled with expectations—it's also filled with uncertainties.

You may be asking ...

• Will I have enough money to retire?
• Will I retire at the wrong time?
• Will my money last as long as my retirement?
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•  A Venture® Variable Annuity can help answer many of these questions
  A Venture Variable Annuity offers you the ability to:
  
• Help grow retirement assets on a tax-deferred basis through a diversified portfolio of professionally managed funds.
• Access the Income Plus For Life optional benefits, which can be added to the annuity contract for an additional fee and can help create lifetime income.
• Help protect your legacy through a standard death benefit and other optional benefits.We offer two variable annuity options:
  
  • Venture, our traditional variable annuity option 
  • Venture 4, which offers a shorter surrender schedule
  The Income Plus For Life optional benefits are available with either option.
• What is a variable annuity?
  A variable annuity is a contract between you and an insurance company that is intended to create retirement income.
  With an annuity, you agree to pay the insurance company an up-front amount, often referred to as “principal.” The money is then invested in a diversified portfolio of professionally managed investment options. Depending on market performance, this money can grow on a tax-deferred basis, and will ultimately be accessed when you are ready to begin receiving income.
  How can you invest in a variable annuity?There are two types of variable annuities: Qualified and nonqualified.
  
• Qualified annuities are purchased through a retirement plan with pre-tax dollars.
• Nonqualified annuities are purchased with after-tax dollars.

Consult your financial advisor if you are unsure whether a variable annuity makes sense for you.

Free Annuity Overview Booklet offered by Mintco Financial. E-mail us to get yours Free:

anecamara@mintcofinancial.com