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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0001193125-07-244424.txt : 20071113
<SEC-HEADER>0001193125-07-244424.hdr.sgml : 20071112
<ACCEPTANCE-DATETIME>20071113105433
ACCESSION NUMBER:		0001193125-07-244424
CONFORMED SUBMISSION TYPE:	497
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20071113
DATE AS OF CHANGE:		20071113
EFFECTIVENESS DATE:		20071113

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			JOHN HANCOCK LIFE INSURANCE CO (USA) SEPARATE ACCOUNT N
		CENTRAL INDEX KEY:			0000813572
		IRS NUMBER:				232030787
		STATE OF INCORPORATION:			MI
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		497
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-100567
		FILM NUMBER:		071235493

	BUSINESS ADDRESS:	
		STREET 1:		200 BLOOR STREET EAST ST 10
		STREET 2:		TORONTO M4W 1EF
		CITY:			ONTARIO CANADA
		STATE:			A6
		ZIP:			48304
		BUSINESS PHONE:		4169266302

	MAIL ADDRESS:	
		STREET 1:		P O BOX 600
		CITY:			BUFFALO
		STATE:			NY
		ZIP:			14201-0600

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MANUFACTURERS LIFE INS CO USA SEPARATE ACCOUNT N
		DATE OF NAME CHANGE:	20020411

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SEPARATE ACCOUNT FOUR OF THE MANUFACTURERS LIFE INS CO OF AM
		DATE OF NAME CHANGE:	19920703
<SERIES-AND-CLASSES-CONTRACTS-DATA>
<EXISTING-SERIES-AND-CLASSES-CONTRACTS>
<SERIES>
<OWNER-CIK>0000813572
<SERIES-ID>S000009940
<SERIES-NAME>JOHN HANCOCK LIFE INSURANCE CO (USA) SEPARATE ACCOUNT N
<CLASS-CONTRACT>
<CLASS-CONTRACT-ID>C000027518
<CLASS-CONTRACT-NAME>CVUL 03
</CLASS-CONTRACT>
<CLASS-CONTRACT>
<CLASS-CONTRACT-ID>C000027519
<CLASS-CONTRACT-NAME>CVUL 04
</CLASS-CONTRACT>
</SERIES>
</EXISTING-SERIES-AND-CLASSES-CONTRACTS>
</SERIES-AND-CLASSES-CONTRACTS-DATA>
</SEC-HEADER>
<DOCUMENT>
<TYPE>497
<SEQUENCE>1
<FILENAME>d497.txt
<DESCRIPTION>JOHN HANCOCK LIFE INSURANCE COMPANY USA ACCOUNT N - CVUL03 CVUL 04
<TEXT>
<PAGE>

                      Supplement Dated November 13, 2007
                                      To
                    Prospectuses Dated May 1, 2007 or Later

This supplement is intended for distribution with prospectuses dated May 1,
2007 for variable life insurance contracts issued by John Hancock Life
Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York,
as applicable. The affected prospectuses bear the titles:

                                VUL Accumulator
                                     EPVUL
                                 VUL Protector
                                     SPVL
                               Survivorship VUL
                                 Corporate VUL

Additional Variable Investment Option

Effective, November 9, 2007, you may select a new investment option, entitled
"Small Cap Value," as a variable investment option. When you select this
option, we invest your money in a sub-account that invests in a portfolio of
the John Hancock Trust entitled Small Cap Value Trust.

We add the following information to the table in the prospectuses that
describes the fees and expenses for each of the portfolios:

Portfolio Annual Expenses

                                                                   Total Annual
Portfolio                 Management Fees 12b-1Fees Other Expenses   Expenses
- ---------                 --------------- --------- -------------- ------------
Small Cap Value..........      1.06%        0.05%        0.08%         1.19%

We add the following information to the table in the prospectuses that
describes the portfolios available under the policy:

Table of Investment Options and Investment Subadvisers

Portfolio       Portfolio Manager     Investment Description
- ---------       --------------------- ----------------------------------------
Small Cap Value Wellington Management Seeks long-term capital appreciation by
                Company, LLP          investing, under normal market
                                      conditions, at least 80% of its assets
                                      in small-cap companies that are believed
                                      to be undervalued by various measures
                                      and offer good prospects for capital
                                      appreciation.

Changes to Variable Investment Options

Effective November 9, 2007, the Special Value portfolio merged into the Small
Cap Value portfolio. As a result, you will not be able to allocate your Policy
Value or any Premium Payments to the variable investment option corresponding
to the underlying Special Value portfolio after November 9, 2007. You should
disregard any reference in the product prospectuses to the Special Value
portfolio.

If you need additional information, please contact your representative or
contact our Service Office at the address or telephone number on the back page
of your product prospectus.

You should read this supplement together with the prospectus for the contract
you purchase, and retain both for future reference.

VLI ProdSupp LegacyJHUSA-NY-11/07
</TEXT>
</DOCUMENT>
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