SUPPLEMENT TO PROSPECTUS
              FOR THE MANUFACTURERS LIFE INSURANCE COMPANY (U.S.A.)
                               SEPARATE ACCOUNT N
                                DATED MAY 1, 2004

The following provisions are added to the prospectus effective July 1, 2004:

RIGHT TO EXAMINE THE POLICY

(Applicable to Residents of California Only)

Residents in California age 60 and greater may return the Policy for a refund at
any time within 30 days after receiving it. The Policy can be mailed or
delivered to the Company's agent who sold it or to the Service Office. If you
cancel the Policy during this 30 day period and your premiums were allocated to
a Fixed Account or the Money-Market investment option, we will refund you the
amount of all premiums paid. If your premiums were allocated to one or more of
the Investment Accounts (other than the Money Market portfolio), we will refund
you:

      (a)   the difference between premiums received and amounts allocated to
            Investment Accounts and the Fixed Account; plus

      (b)   the value of amounts in the Investment Accounts and the Fixed
            Account on the date we receive the returned Policy; minus

      (c)   any partial withdrawals and policy loans.

Your premiums will be placed in either (a) the Fixed Account, (b) the Money
Market investment option or (c) in one or more of the Investment Accounts, based
upon your instructions. If no instructions are given, your Premiums will be
placed in the Fixed Account or the Money Market investment option.

                          SUPPLEMENT DATED JULY 1, 2004

CVUL03 Supp 7/1/2004
CVUL04 Supp 7/1/2004