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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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<SEC-DOCUMENT>0001181431-09-053854.txt : 20091127
<SEC-HEADER>0001181431-09-053854.hdr.sgml : 20091126
<ACCEPTANCE-DATETIME>20091127151911
ACCESSION NUMBER:		0001181431-09-053854
CONFORMED SUBMISSION TYPE:	D
PUBLIC DOCUMENT COUNT:		1
ITEM INFORMATION:		Rule 506
ITEM INFORMATION:		Investment Company Act Section 3(c)
ITEM INFORMATION:		Section 3(c)(7)
FILED AS OF DATE:		20091127
DATE AS OF CHANGE:		20091127
EFFECTIVENESS DATE:		20091127

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			John Hancock Life Insurance Co (U.S.A.) Separate Account PPM1-T
		CENTRAL INDEX KEY:			0001458488
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			MI

	FILING VALUES:
		FORM TYPE:		D
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	021-136465
		FILM NUMBER:		091210269

	BUSINESS ADDRESS:	
		STREET 1:		197 CLARENDON STREET
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02116
		BUSINESS PHONE:		1.800.521.1234

	MAIL ADDRESS:	
		STREET 1:		197 CLARENDON STREET
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02116
</SEC-HEADER>
<DOCUMENT>
<TYPE>D
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<edgarSubmission>

    <schemaVersion>X0603</schemaVersion>

    <submissionType>D</submissionType>

    <testOrLive>LIVE</testOrLive>

    <primaryIssuer>
        <cik>0001458488</cik>
        <entityName>John Hancock Life Insurance Co (U.S.A.) Separate Account PPM1-T</entityName>
        <issuerAddress>
            <street1>197 Clarendon Street</street1>
            <city>Boston</city>
            <stateOrCountry>MA</stateOrCountry>
            <zipCode>02116</zipCode>
        </issuerAddress>
        <issuerPhoneNumber>800-521-1234</issuerPhoneNumber>
        <jurisdictionOfInc>MICHIGAN</jurisdictionOfInc>
        <issuerPreviousNameList>
            <value>None</value>
        </issuerPreviousNameList>
        <edgarPreviousNameList>
            <value>None</value>
        </edgarPreviousNameList>
        <entityType>Other</entityType>
        <entityTypeOtherDesc>Insurance Company Separate Investment Account</entityTypeOtherDesc>
        <yearOfInc>
            <withinFiveYears>true</withinFiveYears>
            <value>2007</value>
        </yearOfInc>
    </primaryIssuer>

    <relatedPersonsList>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>John</firstName>
                <lastName>John Hancock Life Insurance Company (USA)</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>197 Clarendon Street</street1>
                <city>Boston</city>
                <stateOrCountry>MA</stateOrCountry>
                <zipCode>02116</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Promoter</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
    </relatedPersonsList>

    <offeringData>
        <industryGroup>
            <industryGroupType>Pooled Investment Fund</industryGroupType>
            <investmentFundInfo>
                <investmentFundType>Other Investment Fund</investmentFundType>
                <is40Act>false</is40Act>
            </investmentFundInfo>
        </industryGroup>
        <issuerSize>
            <aggregateNetAssetValueRange>Decline to Disclose</aggregateNetAssetValueRange>
        </issuerSize>
        <federalExemptionsExclusions>
            <item>06</item>
            <item>3C</item>
            <item>3C.7</item>
        </federalExemptionsExclusions>
        <typeOfFiling>
            <newOrAmendment>
                <isAmendment>false</isAmendment>
            </newOrAmendment>
            <dateOfFirstSale>
                <value>2009-08-14</value>
            </dateOfFirstSale>
        </typeOfFiling>
        <durationOfOffering>
            <moreThanOneYear>true</moreThanOneYear>
        </durationOfOffering>
        <typesOfSecuritiesOffered>
            <isPooledInvestmentFundType>true</isPooledInvestmentFundType>
            <isOtherType>true</isOtherType>
            <descriptionOfOtherType>Interests in the separate account issued pursuant to Variable Life Insurance Policies</descriptionOfOtherType>
        </typesOfSecuritiesOffered>
        <businessCombinationTransaction>
            <isBusinessCombinationTransaction>false</isBusinessCombinationTransaction>
            <clarificationOfResponse></clarificationOfResponse>
        </businessCombinationTransaction>
        <minimumInvestmentAccepted>250000</minimumInvestmentAccepted>
        <salesCompensationList>
            <recipient>
                <recipientName>Brent Kinetz</recipientName>
                <recipientCRDNumber>2031620</recipientCRDNumber>
                <associatedBDName>M Holdings Securities</associatedBDName>
                <associatedBDCRDNumber>43285</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>1125 NW Couch Street</street1>
                    <street2>Suite 900</street2>
                    <city>Portland</city>
                    <stateOrCountry>OR</stateOrCountry>
                    <zipCode>97209</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>DE</state>
                </statesOfSolicitationList>
            </recipient>
            <recipient>
                <recipientName>Campbell Gerrish</recipientName>
                <recipientCRDNumber>807708</recipientCRDNumber>
                <associatedBDName>M Holdings Securities</associatedBDName>
                <associatedBDCRDNumber>43285</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>1125 NW Couch Street</street1>
                    <street2>Suite 900</street2>
                    <city>Portland</city>
                    <stateOrCountry>OR</stateOrCountry>
                    <zipCode>97209</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>SD</state>
                </statesOfSolicitationList>
            </recipient>
            <recipient>
                <recipientName>Michael L. Silverberg</recipientName>
                <recipientCRDNumber>424015</recipientCRDNumber>
                <associatedBDName>Essex Financial Services</associatedBDName>
                <associatedBDCRDNumber>127549</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>176 Westbrook Road</street1>
                    <city>Essex</city>
                    <stateOrCountry>CT</stateOrCountry>
                    <zipCode>06426</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>WA</state>
                </statesOfSolicitationList>
            </recipient>
            <recipient>
                <recipientName>Milton H. Cohn</recipientName>
                <recipientCRDNumber>840000</recipientCRDNumber>
                <associatedBDName>M Holdings Securities</associatedBDName>
                <associatedBDCRDNumber>43285</associatedBDCRDNumber>
                <recipientAddress>
                    <street1>1125 NW Couch Street</street1>
                    <street2>Suite 900</street2>
                    <city>Portland</city>
                    <stateOrCountry>OR</stateOrCountry>
                    <zipCode>97209</zipCode>
                </recipientAddress>
                <statesOfSolicitationList>
                    <state>TX</state>
                </statesOfSolicitationList>
            </recipient>
        </salesCompensationList>
        <offeringSalesAmounts>
            <totalOfferingAmount>Indefinite</totalOfferingAmount>
            <totalAmountSold>4042494</totalAmountSold>
            <totalRemaining>Indefinite</totalRemaining>
            <clarificationOfResponse></clarificationOfResponse>
        </offeringSalesAmounts>
        <investors>
            <hasNonAccreditedInvestors>false</hasNonAccreditedInvestors>
            <totalNumberAlreadyInvested>5</totalNumberAlreadyInvested>
        </investors>
        <salesCommissionsFindersFees>
            <salesCommissions>
                <dollarAmount>500000</dollarAmount>
                <isEstimate>true</isEstimate>
            </salesCommissions>
            <findersFees>
                <dollarAmount>0</dollarAmount>
            </findersFees>
            <clarificationOfResponse></clarificationOfResponse>
        </salesCommissionsFindersFees>
        <useOfProceeds>
            <grossProceedsUsed>
                <dollarAmount>0</dollarAmount>
            </grossProceedsUsed>
            <clarificationOfResponse>As the issuer of the variable life insurance policies, JH Life Insurance Co. (U.S.A.) will receive amounts from charges deducted under the policies, but no executive officer, director, or promoter will receive any portion of the gross offering proceeds.</clarificationOfResponse>
        </useOfProceeds>
        <signatureBlock>
            <authorizedRepresentative>true</authorizedRepresentative>
            <signature>
                <issuerName>John Hancock Life Insurance Co (U.S.A.) Separate Account PPM1-T</issuerName>
                <signatureName>/s/ James C. Hoodlet</signatureName>
                <nameOfSigner>James C. Hoodlet</nameOfSigner>
                <signatureTitle>Vice President, John Hancock Life Insurance Company (U.S.A.)</signatureTitle>
                <signatureDate>2009-11-27</signatureDate>
            </signature>
        </signatureBlock>
    </offeringData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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