About John Hancock Life Insurance Company and Metropolitan Life Insurance Company

Working Together

John Hancock Life Insurance Company (John Hancock) and Metropolitan Life Insurance Company (MetLife), two of the leading long term care insurance companies, provide the insurance coverage for the Federal Long Term Care Insurance Program (FLTCIP). They have also partnered to form Long Term Care Partners to administer the FLTCIP.

John Hancock and MetLife bring significant experience in the long term care insurance marketplace, including having insured nearly a million people for this type of coverage, maintaining some of the strongest financial and claims payment ratings, and being industry leaders on issues pertaining to aging.

Ratings Effective September 2007

About John Hancock

John Hancock Financial Services is a unit of Manulife Financial Corporation (the Company), a leading Canadian-based financial services group serving millions of customers in 19 countries and territories worldwide. Operating as Manulife Financial in Canada and in most of Asia, and primarily through John Hancock in the United States, the Company offers clients a diverse range of financial protection products and wealth management services through its extensive network of employees, agents and distribution partners. Funds under management by Manulife Financial and its subsidiaries were Cdn$400 billion (US$389 billion) as at March 31, 2008. Manulife Financial Corporation trades as 'MFC' on the TSX, NYSE and PSE, and under '0945' on the SEHK. Manulife Financial can be found on the Internet at www.Manulife.com.
 

About MetLife

MetLife is a subsidiary of MetLife, Inc. (NYSE: MET) a leading provider of insurance and financial services with operations throughout the United States and the Latin America, Europe and Asia Pacific regions. Through its domestic and international subsidiaries and affiliates, MetLife, Inc. reaches more than 70 million customers around the world and MetLife is the largest life insurer in the United States (based on life insurance in-force). The MetLife companies offer life insurance, annuities, auto and home insurance, retail banking and other financial services to individuals, as well as group insurance, reinsurance and retirement & savings products and services to corporations and other institutions. As of March 31, 2008, MetLife, Inc. had total assets under management of $557.1 billion. For more information, please visit www.metlife.com.