(1) Only available on employer-paid cases.

49 supplemental

,
Acacia Life Insurance Company and affiliated companies - are a
diversified family of insurance and financial services businesses.6 billion in open-end funds, closed-end funds, private accounts,
retirement plans and related party assets for individual and institutional
investors as of March 31, 2005.

expense shield

The MassMutual Financial Group is a marketing designation (or fleet name)
for Massachusetts Mutual Life Insurance Company and its affiliates, which
include: OppenheimerFunds, Inc.; The MassMutual Trust
Company, FSB; Antares Capital Corporation; MML Bay State Life Insurance
Company; C.

Business Editors

LINCOLN , Neb. The
Fund seeks long-term capital appreciation with current income as a secondary
objective by investing at least 80% of its assets in stocks of U. John Hancock offers a broad
range of financial products and services, including whole life, term life,
variable life, and universal life insurance , as well as college savings
products, fixed and variable annuities, long-term care insurance, mutual funds
and various forms of business insurance.

ogden 49

987.11000
Short-Term Capital Gain $0.

savings mutual

Best -case scenario: Visit a PPO dentist annually
and earn both Dental Rewards and a PPO Bonus in one visit .

401k annuities

Funds under management by
Manulife Financial and its subsidiaries were Cdn$350 billion (US$290 billion)
as of March 31, 2005.

insurer 49

ameritasgroup.

metlife mutual

(an
Ameritas Acacia Company), offers group dental and eye care products
nationwide, and dental/eye care business expertise to other insurers.
Together , the companies offer life insurance, annuities, financial
planning, group dental and eye care insurance , mutual funds and other
investments, retirement plans, 401(k) plans, banking, worksite
benefits and public financing.28326
Total Distribution $0.
John Hancock Funds is a wholly owned subsidiary of John Hancock Financial
Services, Inc.

insurer insurance

shield insured

com.

Media Contacts:
Janette Baxter, Mintz + Hoke Paula Tremblay, MassMutual
860.679.----Ameritas Group, the
dental and eye care division of Ameritas Life Insurance Corp. PPO Bonus is an
enhancement to Dental Rewards, Ameritas Group's revolutionary dental
plan offering that delivers a built-in reward mechanism to qualifying
insured employees and dependents. By
qualifying for rewards, insureds can increase their annual maximum
benefit to help offset more costly covered dental procedures in the
future ."
With PPO Bonus, if insureds visit an Ameritas or First Ameritas
PPO provider at least once during the benefit year, they earn an
additional carryover amount toward the next year's annual maximum
benefit for dental.com and
www. Manulife Financial can be
found on the Internet at http:/ /www.

expense 401k

(3) Where available.

John Hancock Financial Trends Fund Announces Income Dividend and Capital Gain Distribution

and
foreign financial services companies of any size.

mutual guaranty

Dental Rewards is available with virtually all Ameritas
Group dental plans.41177

John Hancock Financial Trends Fund is a diversified, closed-end fund.

annuity metlife

M.S.

ogden lifeco

And that
was before PPO Bonus," said Ameritas Senior Vice President - Group
Division Ken VanCleave, LLIF.
In New York, insurance products are offered through First Ameritas
Life Insurance Corp. BOSTON, John Hancock Financial Trends
Fund (Nasdaq: JHFT ) announced today that the fund will pay an income dividend
and capital gain distributions as follows:

Declaration Date: July 25, 2005
Ex Date: August 2, 2005
Record Date: August 4, 2005
Payable Date: August 11, 2005

Source of Distribution Per Share
Dividend Income $0.01851
Long-Term Capital Gain $0.com
The John Hancock unit, through its insurance companies, comprises one of
the largest life insurers in the United States.

annuities guaranty

"With PPO Bonus, we're offering an
additional yearly bonus carryover amount to those insureds who choose
to visit one of our PPO dentists.

evaluator subscriber

4451
janetteb@mintz-hoke.

mutual torchmark

For more information on disability income insurance, employee benefit
administrators can visit http://halfapaycheck.
"In just under one year, we sold so many dental plans with Dental
Rewards that we surpassed our sales goal ahead of schedule.com

gerling 401k

9846 860.

Ameritas Adds PPO Bonus to Revolutionary Dental Plan Offering

The Ameritas Acacia Companies - Ameritas Life Insurance Corp. Additional information about the company can
be found on the website: http://www.

shield lifeco

MaxElect Delivers Comprehensive Coverage Options and Flexibility to Worksite
is a global,
growth-oriented, diversified financial services organization providing life
insurance, annuities, disability income insurance, long term care insurance,
retirement planning products, structured settlement annuities, trust services,
money management, and other financial products and services.
Ameritas Group, a division of Ameritas Life Insurance Corp. of New York.
John Hancock Funds, a premier investment management company, managed more
than $30.
John Hancock is a unit of Manulife Financial Corporation, a leading
Canadian-based financial services group serving millions of customers in 19
countries and territories worldwide.manulife.

gerling 49

MassMutual Introduces New Disability Income Insurance Product Solution

com ptremblay@massmutual. Web sites: www.

ogden gerber

,
promotes cost-effective Participating Provider Organization (PPO)
network use among dental insureds with PPO Bonus. With
approximately 60,000 choices, it's easier than ever for insureds to
select a cost-saving PPO dentist. Operating as Manulife Financial in
Canada and 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. Manulife Financial Corporation trades as 'MFC' on the
TSX, NYSE and PSE, and under '0945' on the SEHK.

lifeco metlife

Life Insurance Company; and MassMutual International , Inc. Other restrictions may apply.
(2) Available as a rider option at an additional cost.ameritasacacia .

annuity insurance

com

PPO and PPO Bonus are available in
most states. Founded in
1862, John Hancock Financial Services and its subsidiaries today offer a broad
range of financial products and services, including whole, term, variable, and
universal life insurance, as well as college savings products, mutual funds,
fixed and variable annuities, long-term care insurance and various forms of
business insurance.

supplemental metlife

jhfunds.

guarantee insurer

; Babson Capital Management LLC; Cornerstone
Real Estate Advisers LLC; MML Investors Services, Inc.
With Dental Rewards, insured individuals qualify for a yearly
carryover amount toward the next year's annual maximum benefit by
filing a dental claim during the benefit year and not exceeding the
plan's annual claims-submitted dollar amount (benefit threshold).com.

, a subsidiary of Manulife Financial Corporation.