About John Hancock Life & Health Insurance Company

John Hancock Life & Health Insurance Company (John Hancock) provides the insurance coverage for the Federal Long Term Care Insurance Program (FLTCIP). Long Term Care Partners, LLC, a wholly-owned subsidiary of John Hancock Financial Services, administers the FLTCIP.

John Hancock brings significant experience in the long term care insurance marketplace, maintaining some of the strongest financial and claims payment ratings.

Ratings Effective September 30, 2009*

*The rating refers only to the overall financial status of the company, and is not a recommendation of the specific policy provisions, rates, or practices of the insurance company.

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 22 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$436.5 billion (US$407.1 billion) as at September 30, 2009. Manulife Financial Corporation trades as 'MFC' on the TSX, NYSE and PSE, and under '945' on the SEHK. Manulife Financial can be found on the Internet at www.manulife.com.