<SEC-DOCUMENT>0000950123-11-067835.txt : 20110725
<SEC-HEADER>0000950123-11-067835.hdr.sgml : 20110725
<ACCEPTANCE-DATETIME>20110725144107
ACCESSION NUMBER:		0000950123-11-067835
CONFORMED SUBMISSION TYPE:	424B3
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20110725
DATE AS OF CHANGE:		20110725

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			JOHN HANCOCK LIFE INSURANCE CO USA
		CENTRAL INDEX KEY:			0001073894
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				010233346
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B3
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-159101
		FILM NUMBER:		11984413

	BUSINESS ADDRESS:	
		STREET 1:		200 BLOOR STREET EAST
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M4W1E5
		BUSINESS PHONE:		4169260100

	MAIL ADDRESS:	
		STREET 1:		200 BLOOR STREET EAST
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M4W1E5

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MANUFACTURERS LIFE INSURANCE CO USA
		DATE OF NAME CHANGE:	19981117

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MANULIFE FINANCIAL CORP
		CENTRAL INDEX KEY:			0001086888
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				000000000
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B3
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-159101-01
		FILM NUMBER:		11984414

	BUSINESS ADDRESS:	
		STREET 1:		200 BLOOR ST EAST
		STREET 2:		NORTH TOWER 11
		CITY:			TORONTO ONTARIO CANA
		STATE:			A6
		ZIP:			00000
		BUSINESS PHONE:		4169263500

	MAIL ADDRESS:	
		STREET 1:		200 BLOOR ST EAST
		STREET 2:		NORTH TOWER 11
		CITY:			TORONTO ONTARIO CANA
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B3
<SEQUENCE>1
<FILENAME>b87361a1e424b3.htm
<DESCRIPTION>JOHN HANCOCK LIFE INSURANCE COMPANY U.S.A. / MANULIFE FINANCIAL CORPORATION
<TEXT>
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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 63%">Registration Nos. 333-159101-01 and 333-159101<BR>
Filed Pursuant to Rule&nbsp;424(b)(3)

</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)</B>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>Supplement dated July&nbsp;25, 2011 to PROSPECTUSES dated July&nbsp;20, September&nbsp;2, and October&nbsp;9, 2009</B>
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">This Supplement is intended to supplement prospectuses dated July&nbsp;20, September&nbsp;2, and October&nbsp;9,
2009 for certain &#147;JH CHOICE,&#148; &#147;JH ELECT,&#148; &#147;JH LIBERTY,&#148; or &#147;JH SIGNATURE&#148; single payment modified
guarantee deferred annuity contracts issued by John Hancock Life Insurance Company (U.S.A.) (the
&#147;Contracts&#148;).
</DIV>

<P>
<DIV style="width: 100%; border: 1px solid black; padding: 11px;">


<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><I>You should read this Supplement together with the current prospectus for the
Contract you are considering for purchase (the &#147;Annuity Prospectus&#148;), and
retain all documents for future reference. We define certain terms in this
Supplement. If a term is not defined in this Supplement, it has the meaning
given to it in the Annuity Prospectus. If you would like another copy of the
Annuity Prospectus, please contact our Annuities Service Center at 800-344-1029
to request a free copy.</I>
</DIV>

</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">This Supplement provides information on:
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">A.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A modification of the rules applicable to your fifteen day right to review period;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">B.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>New tax rules applicable to annuity contracts under the Small Business Jobs Act of
2010; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">C.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A revised definition affecting the Market Value Adjustment factor.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>A. Fifteen Day Right to Review Period</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>We revise the following sections of the Annuity Prospectus regarding a change to your fifteen
day right to review to clarify that the Market Value Adjustment will only apply if interest rates
have changed at least 0.25% between the purchase date and the cancellation date.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>1. II. Overview &#151; Fifteen Day Review</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We revise the fifteen day review provisions as follows:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Fifteen Day Review. </B>Within 15&nbsp;days (or other time period as required by applicable state insurance
law) of your receipt of a Contract, you may cancel the Contract by returning it to us or our agent
(see &#147;III. Description of the Contract &#151; Right To Review&#148;). Within seven days after we receive the
returned Contract, we will pay you an amount equal to the Account Value, adjusted by any Market
Value Adjustment, if applicable, computed on the day the Contract is received by us. The Market
Value Adjustment will only be applied where the change, up or down, in the guaranteed interest rate
in effect when you purchase your Contract and the rate in effect on the date of cancellation is
greater than 0.25%. If the purchase of this Contract involves the replacement of any existing life
insurance or annuity, then the right to review is extended to thirty days. If the Contract is
issued as an individual retirement annuity under Section&nbsp;408 or Section&nbsp;408A of the Code, and you
cancel during the first seven days of this right to review period, then we will return an amount
equal to the Payment made for the Contract (without the deduction of the Market Value Adjustment),
if greater than the Account Value adjusted as described above.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>2. III. Description Of The Contract &#151; Fifteen Day Right to Review</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We revise the subsection as follows:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><I>Fifteen Day Right to Review</I>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">You may cancel the Contract by returning it to our Annuities Service Center or agent within a
specified number of days after receipt of the Contract. The right to review period may vary in
certain states in order to comply with the requirements of insurance laws and regulations in such
states. The right to review period applicable to you, usually between fifteen and thirty days, will
appear on the first page of the Contract delivered to you. Within seven days after we receive the
returned Contract, we will pay you an amount equal to the Account Value, adjusted by any Market
Value Adjustment, if applicable, computed on the date your Contract is received by us. The Market
Value Adjustment will only be applied where the change, up or down, in the guaranteed interest rate
in effect when you purchase your Contract and the rate in effect on the date of cancellation, as
determined by the Market Value Adjustment formula, is greater than 0.25%. If the purchase of this
Contract involves the replacement of any existing life insurance or annuity, then the right to
review period is extended to 30&nbsp;days. If the Contract is issued as an individual retirement annuity
under Section&nbsp;408 or Section&nbsp;408A of the Code, and you cancel the Contract during
the first seven days of this right to review period, then we will return to you the greater of the
Account Value or the Payment made for the Contract.
</DIV>




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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We do not impose any withdrawal charge upon return of the Contract within the right to review
period, as determined by state insurance law. Upon cancellation, we will return to you either the
current Account Value or your full Purchase Payment, as required by state insurance laws and
regulations.
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>B. New Tax Rules under the Small Business Jobs Act of 2010</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>We revise the following sections of the Annuity Prospectus regarding the Small Business Jobs
Act of 2010 (the &#147;Act&#148;) that President Obama signed into law on September&nbsp;27, 2010.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>1. II. Overview. </B>We add the following information to the end of the Overview section of the
Annuity Prospectus:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>How, in general, does the Small Business Jobs Act of 2010 (the &#147;Act&#148;) affect annuity contracts?</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><I>The following discussion of the Act is not exhaustive, does not purport to cover all situations
that might affect your Contract, and is not intended as tax advice. You should seek independent tax
advice for information on whether the Act applies to your circumstances.</I>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><U><B>Partial Annuitizations:</B></U> Effective January&nbsp;1, 2011, the Act amends Section&nbsp;72(a)(2) of the
Internal Revenue Code (the &#147;Code&#148;) to permit the tax cost basis, or &#147;investment in the contract,&#148;
to be allocated pro rata in a deferred annuity contract between (a)&nbsp;the amount of contract value
apportioned to an annuity payment option, <I>where permitted under the contract</I>, and (b)&nbsp;the amount of
contract value that continues to accumulate in the contract. This type of a transaction is referred
to as a &#147;partial annuitization&#148; and could result in the recognition of a lower amount of taxable
earnings in amounts received under an annuity contract immediately following the partial
annuitization than would be the case for partial withdrawals of an annuity contract&#146;s cash value.
(Different rules apply if the contract is issued to, or in connection with, a tax-qualified
retirement plan.)
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>The Contracts described in the Annuity Prospectus </B><B><I>do not </I></B><B>permit you to make a partial annuitization
directly in the manner contemplated in the Act. </B>Accordingly, we will deny any request to apply any
amount less than your entire Contract Value to an Annuity Payment Option.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">If you take a partial withdrawal of Contract Value and use the withdrawn amount to purchase an
immediate annuity contract, or if you make a partial exchange under Section&nbsp;1035 of the Code
directly into an immediate annuity contract, the withdrawal or exchange will be subject to
withdrawal charges. A withdrawal may also be subject to income tax, withholding requirements and a
10% IRS penalty tax. For additional information, please see &#147;VII. Federal Tax Matters &#151; Qualified
Retirement Plans.&#148; <B>You should seek independent tax advice if you intend to apply less than your
entire Contract Value to provide annuity payments.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><U><B>Designated Roth Accounts:</B></U> Effective September&nbsp;27, 2010, the Act authorizes participants in
plans intended to qualify under Code section 401(k) (&#147;401(k) Plans&#148;) or section 403(b) (&#147;403(b)
Plans&#148;) to roll over qualified distributions into a designated Roth account within the plan, <I>if
allowed by that plan</I>. The rollover will be taxable as income. If an amount is rolled over in 2010,
it is eligible for a special rule whereby 50% of the income is reported on a participant&#146;s 2011 tax
return, and 50% on his or her 2012 tax return.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Effective for taxable years beginning after December&nbsp;31, 2010, the Act also permits plans intended
to qualify under Code section 457(b) (&#147;457 Plans&#148;) to establish Roth accounts and authorizes
participants to contribute deferred amounts to designated Roth accounts within their 457 Plan. The
Act further authorizes participants in 457 Plans to roll over qualified distributions into a
designated Roth account within the plan, <I>if allowed by that plan</I>. The rollover will be taxable as
income and does not qualify for the special rule allowing participants to report 50% of the income
in a 2011 tax return, and 50% on the 2012 tax return.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The Contract described in the Annuity Prospectus was not designed to hold both Roth and non-Roth
accounts. We do not separately account for any Contract Value in a single Contract that is split
between Roth and non-Roth accounts, <I>even if the applicable 401(k) Plan, 403(b) Plan or 457 Plan
allows you to designate Roth and non-Roth accounts in your plan. </I>If your plan allows it, and you
split your Contract Value into Roth and non-Roth accounts, you or your plan administrator (in the
case of 401(k) Plans) will be responsible for accounting your Contract Value for tax purposes:
calculating withholding, income tax reporting, and verifying RMD distributions. We are not
responsible for the calculations of any service provider that you may use to split Contract Value
between Roth and non-Roth accounts.
</DIV>




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<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>2. III. Description Of The Contract</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We add the following paragraph after the fourth paragraph under &#147;III. Description Of The Contract
&#151; Annuity Options&#148;:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Effective January&nbsp;1, 2011, Section&nbsp;72(a)(2) of the Code permits partial annuitization of an annuity
contract and specifies that the tax cost basis, or investment in the contract, be allocated pro
rata between the portion of the contract being annuitized and the portion of the contract remaining
deferred. Currently, we do not support partial annuitization. Accordingly, any portion of your
Contract that you withdraw to be annuitized will be reported to the IRS as a taxable distribution
unless you transfer it into another contract (issued by John Hancock or by another company) in a
partial exchange conforming to the rules of Section&nbsp;1035 of the Code and Rev. Proc. 2008-24. Any
such withdrawal, whether carried out as a tax-deferred partial exchange or as a taxable withdrawal,
will be subject to Market Value Adjustment and withdrawal charges.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>3. VII. Federal Tax Matters</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We revise the &#147;Taxation of Annuity Payments&#148; subsection by adding the following:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Effective January&nbsp;1, 2011, Section&nbsp;72(a)(2) of the Code permits partial annuitization of an annuity
contract and specifies that the tax cost basis, or investment in the contract, be allocated pro
rata between the portion of the contract being annuitized and the portion of the contract remaining
deferred. Currently, we do not support partial annuitization. Accordingly, any portion of your
Contract that you withdraw to be annuitized will be reported to the IRS as a taxable distribution
unless you transfer it into another contract (issued by John Hancock or by another company) in a
partial exchange conforming to the rules of Section&nbsp;1035 of the Code and Rev. Proc. 2008-24. Any
such withdrawal, whether carried out as a tax-deferred partial exchange or as a taxable withdrawal,
will be subject to Market Value Adjustment and withdrawal charges.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We add a new subsection to &#147;Qualified Contracts&#148; as follows:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><I>Designated Roth Accounts within Qualified Plans</I>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The Small Business Jobs Act of 2010 authorizes: (1)&nbsp;participants in 457(b) plans to contribute
deferred amounts to designated Roth accounts within their 457(b) plan; and (2)&nbsp;participants in
401(k), 403(b) and certain other plans to roll over qualified distributions into a designated Roth
account within their plans, <I>if allowed by their plans</I>. The Contract, however, was not designed to
separately account for any Contract Value in a single Contract that is split between Roth and
non-Roth accounts, <I>even if your 401(k) Plan, 403(b) Plan or 457 Plan allows you to split your
account. </I>If your plan allows it, and you split your Contract Value into Roth and non-Roth accounts,
you or your plan administrator (in the case of 401(k) Plans) will be responsible for the accounting
of your Contract Value for tax purposes: calculating withholding, income tax reporting, and
verifying the form and amount of any RMD distributions. We are not responsible for the calculations
of any service provider that you may use to split Contract Value between Roth and non-Roth
accounts. We will deny any request that would create such a split.
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>C. Revised Definition affecting the<BR>
Market Value Adjustment Factor</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>We revise Annuity Prospectus section IV. Charges, Deductions and Adjustments &#151; Market Value
Adjustment Factor</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We revise the definition of <I>k </I>as follows:
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="91%">&nbsp;</TD>
</TR>
<TR></TR>
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<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top"><B><I>k</I></B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">=
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">the adjustment factor. This is designed to compensate us for certain expenses
and losses that we may incur, either directly or indirectly, as a result of withdrawal
or annuitization. Thus, even if the issued <I>i </I>rate and the withdrawal <I>j </I>rate are equal,
the adjustment factor &#145;k&#146; will cause the Market Value Adjustment to be negative.</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>Supplement dated July&nbsp;25, 2011</B>
</DIV>


<DIV align="left" style="margin-top: 12pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; background: transparent; color: #000000">
<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD></TD>
</TR>
<TR valign="top">
    <TD nowrap align="left">303302:072211</TD>
    <TD>&nbsp;</TD>
    <TD>333-159101<br>
333-159101-01</TD>
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</TABLE>
</DIV>


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