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Quarterly Fund Sheets for the John Hancock Variable Insurance Trust.

These fund sheets are authorized for distribution when accompanied by current Prospectuses and Supplements for the relevant products of John Hancock Life Insurance Company (U.S.A.). Please contact 1-800-VARILINE (1-800-827-4546) to obtain a prospectus. The prospectus contains complete details on investment objectives, risks, fees, charges and expenses as well as other information about the investment company which should be carefully considered. Please read the prospectus carefully prior to investing. The prospectus contains this and other information on the product and the underlying portfolio. Product and /or product features may not be available in all states. Not all funds available on all products.

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Equity Portfolios	Value	Blend	Growth
Large Company U.S. Stocks (largest 5% of top 5000 US stocks, generally >$10 bil)	Optimized Value Equity-Income American Growth-Income	Large Cap Fundamental Value American Blue Chip Income and Growth	American Growth Blue Chip Growth Capital Appreciation Alpha Opportunities
Medium Company U.S. Stocks (next largest 15% of top 5000 US stocks, generally $2-$10 bil )	Value Mid Value		Mid Cap Stock
Small Company U.S. Stocks (smallest 80% of top 5000 US stocks, generally <$2 bil)	Small Company Value Small Cap Value	Small Cap Opportunities	Small Cap Growth Smaller Company Growth
Multi Cap	All Cap Value	Fundamental All Cap Core All Cap Core
International / Global Stocks	Emerging Markets Value International Small Company JHVIT International Value International Core	American New World American Global Growth American International JHVIT Global	American Global Small Capitalization International Opportunities

Hybrid/Index/Sector	Hybrid		Index		Sector
	Lifestyle Aggressive Lifestyle Growth JHVIT Franklin Templeton Founding Allocation Global Diversification Core Allocation Plus Core Strategy Fundamental Holdings Disciplined Diversification American Asset Allocation Lifestyle Balanced Capital Appreciation Value Balanced Lifestyle Moderate PIMCO VIT All Asset Portfolio Lifestyle Conservative		International Equity Index A International Equity Index B Small Cap Index Mid Cap Index Total Stock Market Index 500 Index B 500 Index Total Bond Market B		Real Estate Securities Science & Technology Financial Services Health Sciences Utilities

Fixed Income Portfolios	Short-Term Duration Less than 3.5 years	Intermediate-Term Duration 3.5 years to 6 years	Long-Term Duration Greater than 6 years
	Short Term Government Income Ultra Short Term Bond Money Market Money Market B	Active Bond Total Return Bond	Real Return Bond Investment Quality Bond
		American High Income Bond Strategic Income Opportunities
		High Yield
Global		Global Bond

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