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John Hancock Agency Ratings John Hancock Life Insurance Company's exceptional financial quality consistently earns us high rankings from leading independent ratings agencies as of 09/25/07. A.M. Best A++ Superior Fitch AA+ Very Strong Moody's Aa1 Excellent Standard & Poor's AAA Extremely Strong A.M.Best: A++ (1st category of 15) - Superior ability to meet ongoing obligations. Fitch: AA+ (2nd category of 9) - Very strong capacity to meet policyholder and contract obligations. Standard & Poor's: AAA (1st category of 8) - Extremely strong financial security characteristics. Moody's: Aa1 (2nd category of 9) - Excellent in financial strength. Ratings do not apply to variable group separate accounts, which are subject to market risk.

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