0001193125-12-457227.txt : 20121107 0001193125-12-457227.hdr.sgml : 20121107 20121107152457 ACCESSION NUMBER: 0001193125-12-457227 CONFORMED SUBMISSION TYPE: 497 PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 20121107 DATE AS OF CHANGE: 20121107 EFFECTIVENESS DATE: 20121107 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: 121186535 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 0000813572 S000009940 JOHN HANCOCK LIFE INSURANCE CO (USA) SEPARATE ACCOUNT N C000027518 CVUL 03 C000027519 CVUL 04 497 1 d432413d497.htm JHUSA N - CVUL 03, CVUL 04 JHUSA N - CVUL 03, CVUL 04

Supplement Date November 7, 2012

To

Prospectuses Dated April 30, 2012

This supplement is intended for distribution with prospectuses dated April 30, 2012 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  
  Corporate VUL  
  EPVUL  
  VUL Protector  
  SPVL  
  Survivorship VUL  
  Protection Variable Universal Life  

Portfolio Mergers

Effective after the close of business on November 2, 2012, the portfolios of John Hancock Variable Insurance Trust listed below under “Acquired Portfolios” merged into the corresponding John Hancock Variable Insurance Trust portfolio listed below under “Acquiring Portfolios.”

 

   

Acquired Portfolios

   

Acquiring Portfolios

     
  American Blue Chip Income and Growth    American Growth-Income   
  International Opportunities    International Growth Stock   
  500 Index    500 Index B   
  International Equity Index A    International Equity Index B   

As a result, you will not be able to allocate your policy value or any premium payments to an investment account corresponding with one of the Acquired Portfolios after November 2, 2012. You should disregard any reference in your product prospectus to the Acquired Portfolios.

Portfolio Addition

Effective November 5, 2012, the list of investment accounts on the first page of the prospectus is updated to reflect the addition of the International Growth Stock portfolio to your policy, which invests in the corresponding portfolio of the John Hancock Variable Insurance Trust.

We add the following disclosure to the Table of Investment Options and Investment Subadvisers:

 

Portfolio

   

Portfolio Manager

   

Investment Objective

International Equity Index B    SSgA Funds Management, Inc.    To seek to track the performance of a broad-based equity index of foreign companies primarily in developed countries and, to a lesser extent, in emerging markets. Under normal market conditions, the portfolio invests at least 80% of its assets in securities listed in the MSCI All Country World Excluding U.S. Index*, or American Depositary Receipts or Global Depositary Receipts representing such securities.
International Growth Stock    John Hancock Asset Management, a division of Manulife Asset Management (US) LLC    To seek to achieve long-term growth of capital. The portfolio invests primarily in a diversified portfolio of international securities whose issuers are considers by the portfolio’s subadviser to have strong earnings growth. Under normal market conditions, the portfolio invests at least 80% of its net assets (plus any borrowings for investment purposes) in stock of any market capitalization.

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

Prior to making any investment decisions, you should carefully review your product prospectus and all applicable supplements. In addition, you should review the prospectuses and applicable supplements for the underlying portfolios that we make available as investment options under the policies. The prospectuses describe the investment objectives, policies and restrictions of, and the risks relating to, investment in the portfolios. In the case of any of the portfolios that are operated as feeder funds, you should also review the prospectus for the corresponding master fund. If you need to obtain additional copies of any of these documents, please contact your representative or contact our Service Office at the address or telephone number on the back page of your product prospectus.

 

 

333-85284

    
 

333-88748

    
 

333-71136

    
 

333-100597

    
 

333-100567

    
 

333-85296

    
 

333-88972

    
 

333-33504

    
 

333-100664

    

VLI ProdSupp VL3 10/2012