<SEC-DOCUMENT>0000950123-11-092821.txt : 20111028
<SEC-HEADER>0000950123-11-092821.hdr.sgml : 20111028
<ACCEPTANCE-DATETIME>20111028121521
ACCESSION NUMBER:		0000950123-11-092821
CONFORMED SUBMISSION TYPE:	424B3
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20111028
DATE AS OF CHANGE:		20111028

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:		111164157

	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:		111164156

	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>b88713a1e424b3.htm
<DESCRIPTION>JHLICO (USA)/MANULIFE FINANCIAL CORP.
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<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 October&nbsp;28, 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 applies to 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: 12pt"><B>Purpose of this Supplement</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The Supplement announces:
</DIV>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">1. Revised disclosure in the Annuity Prospectus regarding access to elder care information
services; and
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">2. Revised disclosure in the Annuity Prospectus regarding the waiver of applicable
withdrawal charge and market value adjustment applicable to <I>California residents only</I>.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">1. We revise the section of the Annuity Prospectus entitled &#147;III. Other Contract Provisions &#151;
Ownership&#148; as follows:
</DIV>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%"><B>Ownership</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">In the case of an individual annuity Contract, the Contract Owner is the person
entitled to exercise all rights under the Contract. In the case of a group annuity
Contract, the group annuity Contract is owned by the Group Holder; however, all
Contract rights and privileges not expressly reserved to the Group Holder may be
exercised by each Certificate Owner as to such Owner&#146;s interest as specified in his
or her Certificate. The Contract Owner is the person designated in the Contract
specifications page or as subsequently named. If amounts become payable to any
Beneficiary under the Contract, then the Beneficiary becomes the Contract Owner.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">In the case of Contracts which do not receive favorable tax treatment under Sections
401, 403, 408, 408A or 457 of the Code (&#147;Nonqualified Contracts&#148;), you may change
the ownership of or collaterally assign the Contract at any time prior to the
Maturity Date, subject to the rights of any irrevocable Beneficiary. Assigning a
Contract, or changing the ownership of a Contract, may be treated as a distribution
of the Account Value for federal tax purposes (see &#147;VII. Federal Tax Matters&#148; for a
more detailed discussion).
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">As the Owner of the Contract, you may have access to information for you or a member
of your family that we may provide regarding elder care needs and questions and
informational assistance that may help you identify various elder care service
agencies available in your community (not available in California).
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">You must make any request for a change of ownership or assignment in writing, and
such a request is subject to our approval. If approved by us, any assignment and any
change will be effective as of the date we receive your request at our Annuities
Service Center. We assume no liability for any payments made or actions taken before
we approve a change or accept an assignment and no responsibility for the validity
or sufficiency of any assignment. If you make an absolute assignment, it will revoke
the interest of any revocable Beneficiary.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">In the case of qualified Contracts, ownership of the Contract generally may be
transferred only by the trustee of an exempt employees&#146; trust which is part of a
retirement plan qualified under Section&nbsp;401 of the Code or as otherwise permitted by
applicable IRS regulations. Subject to the foregoing, a qualified Contract may not
be sold, assigned, transferred, discounted or pledged as collateral for a loan or as
security for the performance of an obligation or for any other purpose to any person
other than us.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">2. We revise the section of the Annuity Prospectus entitled &#147;IV. Charges, Deductions and
Adjustments &#151; Waiver of Applicable Withdrawal Charge and MVA &#151; Confinement to Nursing Home&#148; to
add that the waiver is not available in California.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">You should retain this Supplement for future reference.
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>Supplement dated October&nbsp;28, 2011</B>
</DIV>


<DIV align="left" style="margin-top: 12pt">
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    <TD nowrap align="left">10/11:</TD>
    <TD>&nbsp;</TD>
    <TD>333-159101<br>
333-159101-01</TD>
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</DIV>


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