Supplement Dated January 24, 2006
                                       To

                        Prospectus Dated October 12, 2005
- --------------------------------------------------------------------------------

     This Supplement is to accompany the prospectus for a flexible premium
variable universal life insurance policy issued by John Hancock Life Insurance
Company (U.S.A.) entitled "Corporate VUL".

Add the following to the table of Rider Charges on p. 9 of your prospectus:

Change of Life Insured Rider:       At exercise of benefit       $250.00



Add the following to the section entitled "Optional supplemental policy
riders you can add" on p. 34 of your prospectus:

..    Change of Life Insured Rider - This rider is only available to certain
     ----------------------------
     owners purchasing the policy in connection with the financing of employee
     benefit plan obligations. If you elect this rider, you may change the life
     insured on or after the second policy anniversary. You must have an
     insurable interest in the new life insured, and the new life insured must
     consent in writing to the change. We will require evidence which satisfies
     us of the new life insured's insurability, and the premiums and charges
     after the change date will reflect the new life insured's age, sex, risk
     classification and any additional rating which applies. Supplementary
     benefits riders on the old life insured will be canceled as of the change
     date. Supplementary benefits riders may be added on the new life insured as
     of the change date, subject to our normal requirements and restrictions for
     such benefits. The validity and suicide provisions of the policy will apply
     to the entire Face Amount beginning anew as of the change date.

CVUL05 1-06