<SEC-DOCUMENT>0000950123-11-067836.txt : 20110725
<SEC-HEADER>0000950123-11-067836.hdr.sgml : 20110725
<ACCEPTANCE-DATETIME>20110725144110
ACCESSION NUMBER:		0000950123-11-067836
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:		11984415

	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:		11984416

	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>b87362a1e424b3.htm
<DESCRIPTION>JOHN HANCOCK LIFE INSURANCE COMPANY U.S.A. / MANULIFE FINANCIAL CORPORATION
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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 60%">Registration Nos. 333-159101-01 and 333-159101<BR>
                                               Filed Pursuant to Rule 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 <I>issued to Florida senior citizens on or after January&nbsp;1, 2011</I>
by John Hancock Life Insurance Company (U.S.A.) (the &#147;Contracts&#148;).
</DIV>

<DIV style="width: 99%; border: 1px solid black; padding: 11px; margin-top: 6pt">

<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="Center" style="font-size: 10pt; margin-top: 6pt"><B>Florida Statute 627.4554(9)</B>
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Florida Statute 627.4554(9) (the &#147;Law&#148;) limits the time period during which we may assess a
withdrawal charge under Contracts issued in the state of Florida. The Law became effective January
1, 2011. This Supplement provides information regarding the impact of the Law on the withdrawal
charges imposed under Florida issued Contracts.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">1. We revise the third paragraph under &#147;IV. Charges, Deductions and Adjustments &#151; Adjustments And
Charges Upon Withdrawals&#148; as follows:
</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="1%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>We will not apply withdrawal charges on distributions made from a one-year or a two-year
subsequent guarantee period. <I>For Contracts issued in Florida on or after January&nbsp;1, 2011 to
residents aged 65&nbsp;years or older, we will not apply withdrawal charges on any withdrawals
taken after the tenth Contract Anniversary.</I></TD>
</TR>

</TABLE>
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">2. We add a new footnote below the tables that appear in Appendix&nbsp;B: &#147;Withdrawal Charge Schedule,&#148;
as follows:
</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="1%" nowrap align="left">*</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The <I>Withdrawal Charge Schedule applicable during any Subsequent Guarantee Period does not
apply to Contracts issued in Florida on or after January&nbsp;1, 2011 to senior citizens (age 65
years or older on the Contract issue date) past the tenth Contract Anniversary.</I></TD>
</TR>

</TABLE>
</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>Supplement dated July&nbsp;25, 2011</B>
</DIV>
<DIV align="center">
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<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">303303:072211
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">333-159101</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">333-159101-01</TD>
</TR>
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