UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Notice of Effectiveness
Effectiveness Date: December 1, 2014 3:30 P.M.
Form: F-3
CIK: 0001073894
Company Name: JOHN HANCOCK LIFE INSURANCE CO USA
File Number: 333-196805
CIK: 0001086888
Company Name: MANULIFE FINANCIAL CORP
File Number: 333-196805-01