UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Notice of Effectiveness
Effectiveness Date: December 28, 2015 12:30 P.M.
Form: F-3
CIK: 0001073894
Company Name: JOHN HANCOCK LIFE INSURANCE CO USA
File Number: 333-205595
CIK: 0001086888
Company Name: MANULIFE FINANCIAL CORP
File Number: 333-205595-01