Consent of Independent Registered Public Accounting Firm

We consent to the reference to our firm under the caption "Independent
Registered Public Accounting Firm" and to the use of our report dated April 20,
2007 with respect to the consolidated financial statements of John Hancock Life
Insurance Company (U.S.A.), which are contained in the Statement of Additional
Information in Post-Effective Amendment No. 6 in the Registration Statement
(Form N-6 No. 333-100567) and related Prospectus of John Hancock Life Insurance
Company (U.S.A.) Separate Account N.

                                                    /s/ Ernst & Young LLP

Boston, Massachusetts
April 26, 2007



                       CONSENT OF INDEPENDENT REGISTERED
                            PUBLIC ACCOUNTING FIRM

We consent to the reference to our firm under the caption "Independent
Registered Public Accounting Firm" and to the use of our reports dated April 5,
2007 with respect to the financial statements of John Hancock Life Insurance
Company (U.S.A.) Separate Account N, which are contained in the Statement of
Additional Information in Post-Effective Amendment No. 6 in the Registration
Statement [Form N-6 No. 333-100567] and related Prospectus of John Hancock Life
Insurance Company (U.S.A.) Separate Account N.

Toronto, Canada,                                       /s/ Ernst & Young LLP
April 26, 2007                                         Chartered Accountants
                                                 Licensed Public Accountants