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Single Premium Group Annuities A Single Premium Group Annuity (SPGA) requires a one-time, up-front premium payment that is used to fund a guaranteed income stream to individuals for a certain period of time. Payout commences at a specified time, typically upon the retirement of plan participants. A guaranteed structure such as this is appropriate for defined benefit and defined contribution plans. Comprehensive service, including underwriting, installation and ongoing administration are just a few of the competitive advantages that John Hancock has to offer. SPGA Contract   SPGA Contract Fact Sheet   Sample SPGA Contract   Sample SPGA Application Getting Started   Request for Proposal   Data Requirements   Sample SPGA Proposal   Acceptance Procedures   Sample Qualified Certificate   Agent / Company Appointment Application Benefit Services For more information on benefit services provided by John Hancock, please refer to the JH Services page above. Participant Forms for Benefit Services Contact Us For additional questions please refer to the Contact Annuity Team page above.

Insurance products offered through John Hancock Life Insurance Company, Boston, MA 02117 JH Group Annuity 2 7/10/03 By accessing and using our website you are agreeing to be legally bound by our TERMS OF USE